sergio michel

a vicepresident credit cards senior

About

Specialist in the analysis and improvement of Retail Banking /Commercial Banking processes, systems and business project management. Full knowledge of corporate finance; high capacity for analysis, organization and decision making, with a focus on high team performance development; cultivates a philosophy of continuous improvement.

Country

mexico

City

naucalpan

Industry

banking

Skill

banking, credit risk, credit, commercial banking, credit analysis, retail banking, financial risk, portfolio management, operational risk, financial analysis, loans, risk management, basel ii, derivatives, corporate finance, banca, banca minorista, finanzas corporativas, derivados, riesgo financiero, riesgo operativo, banca comercial, estrategia empresarial, finanzas, cambio organizacional, servicios financieros, liderazgo de equipos, liderazgo, gobernanza, estrategia, pagos, microsoft office

Experience

a vicepresident credit cards senior

a vicepresident credit cards senior specialist

citi

2016-11 - Present · 9 yrs 11 mos

coordinator

universidad panamericana sc

1999-9 - 2001-9 · 2 yrs 1 mo

Administration and control of various extracurricular events carried out by the university.

staff manager

hsbc

2009-11 - 2011-2 · 1 yr 4 mos

* Planning and review of test phases for the following projects: One HSBC Cards Mexico, One HSBC Collections for Honduras, Peru and Mexico. Responsible for budgetary control of collections * making requests, reports and budgetary flow measurements * also in charge of external employees as well as budget management for bank retirees * IT Collections cost control and review * AOP responsible for Collections area.

it consultant

grupo hidalgo

2007-6 - 2007-9 · 4 mos

Consultant for tracking projects for group clients. Responsible for the maintenance and redesign of the teller system for the micro-finance institution Finsol S.A. Proposed functional architecture and developed unique payments system.

latin america pfs systems coordinator

banco azteca

2006-6 - 2007-6 · 1 yr 1 mo

* Project leader for the implementation of credit cards in El Salvador and Peru, and auto loan project in Panama. System savings project leader for the bank launching in Guatemala. * New mortgage system redesign and implementation for Mexico. * Responsible for ALM for commercial credits in the Account receivables system (ALNOVA).

product manager

neodata sa de cv

2002-11 - 2005-12 · 3 yrs 2 mos

Design, development and implementation of systems: payment list for contractors, buildings control for ADO Group, and pricing and invoicing for the carrier Bestel S.A. Maintenance and improvements for the systems suite developed. .

systems engineer

oryco

2001-10 - 2002-11 · 1 yr 2 mos

CMB International Businesses system development and modifications on behalf of the BBVA Financial Group.

lam credit review senior manager

hsbc

2011-2 - 2016-2 · 5 yrs 1 mo

Planning and carrying out of credit reviews to ensure the quality of LAM LoBs portfolios (Personal Banking/Commercial Banking/Global Banking). Responsible for the provisions calculation review (IFRS and Local regulations) for LAM Region, in order to verify the correct accounting rules application, finding differences of 300 M USD. Creating adequate guidance and implementing the regional processes to standardise the correct use of the provisions rules and verify the correct deploy of these processes. Active role in the Guest reviewers program, participating in Global Credit Reviews. On site monitoring and supervision, identifying potential risks in portfolios, strategies or in accounts, related to processes, governance, group policies and portfolio behaviour, as well as managing the follow up necessary for achieving the best solution for the detected issues. Having an active role and membership in the regional and local risk/credit committees in order to monitor and take action to control the quality of LAM LoBs portfolios.