Jonathan Zuñiga
Mexico City,
Summary
Economist with over 10 years of experience in risk management, I am proficient in understanding and assessing risk in credit card acquisition and recently in portfolio management, and have a proven ability to develop and implement successful strategies to mitigate risk and exceed business goals. I’m seeking a challenge in the credit consumer industry to leverage my analytical skills and furthering my professional career.
Overview
10
10
years of professional experience
Work History
Credit Cards Risk, Senior Manager
Konfío
Mexico City
05.2022 - Current
- Implemented benchmarks for risk appetite based on statistical analyses and business goals.
- Optimized the initial line assignment for the credit card product.
- Conducted the assessment of cross selling and remarketing campaigns.
- Developed acquisition strategies with external partnerships.
- Guaranteed the quality assurance in the acquisition and customer management processes.
- Managed the customer management strategies (CLI, CLD, Cash to SPEI, etc.)
Analytics Senior Manager
Grupo Financiero Banorte
Mexico City
02.2022 - 05.2022
- Defined strategies to optimize customer value for Small and Medium Enterprises.
- Reported on qualitative and quantitative analysis, providing data-driven insights to support business strategies.
Credit Cards, Senior Risk Manager /Risk Manager
Grupo Financiero Banorte
Mexico City
07.2014 - 02.2022
- Restructured the entire risk strategy to qualify new applicants for credit card product. Criteria was used to approve 50K+ avg. applicants monthly and a portfolio of 38K+ million.
- Defined benchmarks for risk strategy based on statistical analyses and met business objectives by negotiating with key stakeholders.
- Identified the most convenient segmentation to tailor appropriate strategies. Segmentation initiatives led to an increase of 300+ bps on approval rate and a reduction of 250+ bps on bad rate.
- Build, implement and monitor risk models base on econometric analysis, neural networks, clustering, etc., and some other industry standards.
- Developed and implemented income inference models with bureau historic information. These models reduced the income verification in 2000+ bps.
- Applied strategies to determine credit lines based on payment capacity and market offering
- Developed and applied early customer management campaigns of CLI, Cash, etc.
Education
MBA -
Instituto Tecnológico Autónomo De México
Mexico06.2023
Risk Management Certificate -
Riskmathics & Universidad Anáhuac
Mexico10.2020
Bachelor in Economics -
Universidad Autónoma Metropolitana
Mexico07.2014
Skills
- Data mining Python SQL SAS SAS Miner MS Office Tableau
- Leadership Problem solving Decision making Conflict resolution Adaptability Team management Planning Collaboration
Languages
Spanish
First Language
English
Advanced
C1
Timeline
Credit Cards Risk, Senior Manager
Konfío
05.2022 - Current
Analytics Senior Manager
Grupo Financiero Banorte
02.2022 - 05.2022
Credit Cards, Senior Risk Manager /Risk Manager
Grupo Financiero Banorte
07.2014 - 02.2022
MBA -
Instituto Tecnológico Autónomo De México
Risk Management Certificate -
Riskmathics & Universidad Anáhuac
Bachelor in Economics -
Universidad Autónoma Metropolitana
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