• Designed and implemented credit, legal, and AML / CFT risk policies, including the creation of compliance manuals and codes of ethics, aligned with investors' risk appetite. • Developed credit - fintech products and iterative origination models, achieving a loan portfolio placement of MXN 60 million over 3 years while maintaining a 9% non - performing loan ratio. • Secured three consecutive satisfactory external audits in AML / CFT compliance. • Collaborated in the preparation of financial projections and statements to support strategic decision - making.

• Led credit risk analysis for governmental entities in Mexico and Latin America, including Mexico City, Chihuahua, Oaxaca, Santiago Metro in Chile, and TransMilenio in Bogotá. • Progressed from Analyst to Senior Director over 12 years, managing a team of six analysts for four years. • Developed the regional methodology for rating financings in Latin America. • Achieved Fitch Credit Academy (FCA) certification on the first attempt, among the first three analysts to do so.

• Conducted analyses and projections of public finances for federal entities, advising on the structuring and negotiation of financings with banking institutions. • Developed financial models incorporating macroeconomic variables to simulate financing scenarios.

• Co - authored the book 2007 , " which includes quantitative analysis of 120 variables related to economic and governmental performance factors. •