Francisco Espinosa Hernandez
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Francisco Espinosa Hernandez

Francisco Espinosa Hernandez

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Senior Professional on analytics (Data Science), credit risk, operations and process management
Mexico City, Mexico

Contact Francisco regarding: 

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Full-time jobs
Starting at USD24/hour
Flexible work
Starting at USD18/hour

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Résumé

Jobs verified_user 10% verified
  • Hybride
    FREELANCE
    Hybride
    Aug 2024 - Current (11 months)
    • Data extraction and data wrangling • Visualization (Dashboards, Reports, Presentations, etc) • Statistical models development • Web page construction and implementation.
  • D
    CREDIT RISK MANAGER verified_user Verified experience public Remote experience
    DESTACAME MÉXICO S.A. DE C.V.
    Feb 2022 - Jan 2024 (2 years)
    Reduced credit risk by 30% (WO) implementing robust assessment strategies and monitoring credit exposure . Mitigated potential fraud losses by continuously reviewing existing loans for signs of increased risk or deterioration in credit quality, with monthly improvements around 3%. Increased efficiency in the underwriting process by designing automated tools for data collection and analysis, improving operational efficiencies by over 40%. Created credit policies, processes and procedures to maintain compliance with banking regulations. Enhanced portfolio performance by developing comprehensive risk models and utilizing predictive analytics. Collaborated with cross-functional teams to establish effective risk management policies and proc
  • Bancoppel
    ANALYTICS AND CUSTOMER LIFE CYCLE COORDINATOR
    Bancoppel
    Oct 2016 - Feb 2022 (5 years 5 months)
    Designed and implemented a data mart starting with credit card products, becoming consumer data mart (Credit cards, Personal loans, Debit card and Investments) Enhanced operational workflows by maintaining well-organized documentation systems and updating records accurately as needed. Improved team productivity with regular communication and progress updates, fostering a collaborative work environment. Boosted internal communication efficiency by creating interactive dashboards for easy access to key performance indicators, improving decision making timeframe from weeks to days. Compiled, cleaned and manipulated data for both analytical and operational processes. Contributed to business growth by identifying opportunities for marketing camp
  • F
    FREELANCE CONSULTANT
    Dec 2015 - May 2018 (2 years 6 months)
    • Statistical Models Developing.(recommender systems, Unsupervised machine learning) • Models Implementation Support. • Models Governance. • Data-centered applications development • Web and desktop applications development
  • T
    OPERATIONS MANAGER
    TRANSUNION SOLUCIONES DE INFORMACION S. DE R.L. DE C.V.
    Dec 2010 - Feb 2015 (4 years 3 months)
    • Developed systems and procedures to improve operational quality and team efficiency. • Enhanced customer satisfaction by establishing clear communication channels and addressing concerns promptly. • Spearheaded process improvements, resulting in increased productivity and reduced operational costs. • Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them, reaching a reduction on incidents of 95% • Implemented quality control systems to boost overall product consistency and reliability. • Ensured data integrity and accuracy by conducting regular audits and implementing validation checks, improving data integration from several days to a maximum of 30 mins. • Established s
  • F
    UNDERWRITING MANAGER
    FINANCIERA AYUDAMOS (BBVA BANCOMER)
    Oct 2008 - Apr 2010 (1 year 7 months)
    Design and management of credit scoring models. (Underwriting and collection). Analysis and segmentation of the portfolio. Managing of credit policies. (Underwriting, collection, renewal and application verification) Call Center Management. Backoffice support and new processes implementation. Feedback to the sales force on candidate profiles. Analysis of loan applications and authorization. Presentation of results to the CEO and Risk Management Director.
  • B
    JR. MANAGER
    BANCO AZTECA. CALIBRATION AND DEVELOPMENT
    Nov 2006 - Sep 2008 (1 year 11 months)
    Design and management of credit scoring models (Underwriting and behavior). Implementation of infrastructure for the operation of the developed decision models. (Policies, procedures, systems and training) Calibration of the models developed according to the requirements of the business. Opportunity analysis for analytical models in other areas of the Bank. Profiling in the transaction history to suggest improvements to internal processes of collection and verification. Presentation of results to the CEO and the COO.
  • F
    FREELANCE CONSULTANT
    Jan 2006 - Nov 2006 (11 months)
    Design and implementation of a MRP II web system at an oil company and their branches in mexico. Design and implementation of an online database of candidates to mexican senate (professional background, proposals and achievements) for an ONG.
  • S
    MIS AND DATABASES MANAGER
    SPIRA DE MEXICO S.A. DE C.V.
    Jun 2004 - Nov 2005 (1 year 6 months)
    Credit risk assessment for cross-selling databases (Credit card product) Portfolio management and assessment of customer’s behavior. Personal Loan Management. Databases consistency assurance. (Credit Bureau, Tsys and Datawarehouse) Coordination of the technological projects for the Credit Deparment.
  • C
    INFORMATION SYSTEMS COORDINATOR - CREDIT CARDS
    CITIGROUP – BANAMEX S.A.
    Jun 2000 - Jun 2004 (4 years 1 month)
Education verified_user 0% verified
  • Universidad Latinoamericana
    Master of Business Administration.
    Universidad Latinoamericana
  • S
    SAS.
  • C
    Computational mathematics specialization.
  • D
    Data Warehousing Design and Analysis Techniques.
  • C
    Creativity and innovation to the design of new products and processes Diplomate.
  • "
    "Troubleshooting through Systems Analysis and Design" Seminar.
  • T
    Total quality control Diplomate.
  • U
    Industrial Engineer.
    Unidad Profesional Interdisciplinaria de Ingeniería, Ciencias Sociales y Administrativas (IPN)
  • D
    Data science for business owners.
  • T
    Tableau Basic and Advance course.
  • D
    Data analysis with neural networks.
  • M
    Machine Learning.
  • E
    Ethical Hacking and Countermeasures Diplomate.
  • S
    Strategies and Application of Models and Segmentation.
  • E
    EC-Council Network Security Administrator Diplomate.
  • L
    Leader development (Management, Leadership and Coaching)
Projects verified_user 6% verified
  • f
    Proyectos cortos de diseño de bases de datos, visualización y analisis de datos
    freelance
    Aug 2024 - Current (11 months)
    Diversos proyectos de diseño de bases de datos, extracción, analisis y visualización, para diversos clientes.
  • Bancoppel
    Modelo de pronosticos portafolio consumo
    Bancoppel
    Jul 2021 - Oct 2021 (4 months)
    Modelo de pronosticos del portafolio para todos los productos de la banca de consumo. Información historica y proyecciones hasta 5 años al futuro, Comparación de resultados contra proyección.
  • Bancoppel
    Dashboard de KPI Campañas
    Bancoppel
    Feb 2021 - Feb 2022 (1 year 1 month)
    Visualizaciones para cada una de las campañas mensuales y especiales con resultados de Facturación y actividad.
  • Bancoppel
    Dashboards de KPI's Consumo (Data Studio)
    Bancoppel
    Apr 2017 - Dec 2020 (3 years 9 months)
    Visualizaciones de KPI's y variables de interes de manera historica para todos los productos de la Banca de Consumo.
  • Bancoppel
    Segmentaciones diversas del portafolio
    Bancoppel
    Oct 2016 - Feb 2022 (5 years 5 months)
    Diversas segmentaciones por actividad, uso, diversificación de productos, arraigo y demograficas.
  • Bancoppel
    Diseño, implementación y adminitración del Datamart de consumo
    Bancoppel
    Oct 2016 - Feb 2022 (5 years 5 months)
    Iniciado con información de TDC de manera local, se migró a un servidor MYSQL onpremise para cumplir con los requerimientos de seguridad del Banco. Se integró la información de todos los productos de Consumo (TDC, Prestamos, Captación e inversiones)
  • Bancoppel
    Analisis de tendencias del portafolio verified_user Verified experience
    Bancoppel
    Oct 2016 - Feb 2022 (5 years 5 months)
    Diversos proyectos de analisis de tendencias y comportamiento de los clientes.
  • T
    Dashboard de estadisticas del DWH
    TRANSUNION SOLUCIONES DE INFORMACION S. DE R.L. DE C.V.
    Oct 2014 - Jan 2015 (4 months)
    Diversas estadisticas interesantes para incrementar el interes y compromiso de los clientes para participar del Buró.
  • T
    Rediseño de la base de datos y de los formatos de carga
    TRANSUNION SOLUCIONES DE INFORMACION S. DE R.L. DE C.V.
    Aug 2014 - Dec 2014 (5 months)
    Rediseño del buro de autos y de los formatos de carga utilizados.
  • T
    Dashboard en Tableau de KPI's operaciones
    TRANSUNION SOLUCIONES DE INFORMACION S. DE R.L. DE C.V.
    Jun 2014 - Jul 2014 (2 months)
    Migración de dashboard en excel a Tableau Server
  • T
    Dashboard de seguimiento KPI's operaciones
    TRANSUNION SOLUCIONES DE INFORMACION S. DE R.L. DE C.V.
    Jul 2011 - May 2014 (2 years 11 months)
    Dashboard en excel con el seguimiento a loa KPI's de Carga de datos, Calidad de Carga, Atención a Clientes y Consumo de reportes. Dashboard en excel KPI's de BackEnd operaciones (incidencias, downtimes, Proyectos y tiempos de implementación)
  • B
    Identificación de perfiles de cobranza
    BBVA Financiera Ayudamos
    Jun 2009 - Jul 2009 (2 months)
    Segmentación del portafolio y de las gestiones de cobranza mediante k-means clustering y arboles de decision.
  • B
    Diseño e implementación de un Datamart créditos.
    BBVA Financiera Ayudamos
    Jan 2009 - Apr 2009 (4 months)
    Identificación de necesidades para las funciones de originación, atención a clientes y cobranza. Identificación e integración de diversas fuentes. Documentación del diseño y operación.
  • B
    Reportes de Seguimiento KPI's de solicitudes, portafolio y cobranza
    BBVA Financiera Ayudamos
    Oct 2008 - Apr 2010 (1 year 7 months)
    Elaboración y automatización de reporte de seguimiento.
  • R
    Reportes de seguimiento en tiempo real a monitoreo de elecciones
    May 2006 - Jul 2006 (3 months)
    Diseño e implementación de un portal de seguimiento para elecciones presidenciales para una ONG, con seguimiento y estadisticas en tiempo real.
  • S
    Coordinación de implementación de un DatawareHouse
    SPIRA DE MEXICO SA DE CV.
    Jun 2004 - Mar 2005 (10 months)
    Coodinación del proyecto de implementación, recopilación de necesidades de información, información disponible de los diversos proveedores, definición de estructura de tablas y reportes y vistas de visualización.
  • S
    Reportes de seguimiento a portafolio y cobranza
    SPIRA DE MEXICO SA DE CV.
    Jun 2004 - Nov 2005 (1 year 6 months)
    Diversos reportes en Excel mostrando el desempeño del portafolio, por producto y de las acciones y estrategias de cobranza, asi como KPI de desempeño del los cobradores.
  • Citibanamex
    Estadisticas y reportes de seguimiento a portafolio de crédito
    Citibanamex
    Jun 2000 - Jun 2004 (4 years 1 month)
    Elaboración de reportes de seguimiento de portafolio para todos los productos de TDC. Analisis de segmentación para diversas campañas para la dirección.