José Carlos Andrade Escobar

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Founding Partner – CEO

Nibble Tech

Nov 2019 - Current (5 years 10 months)

Advisor to Fintech and Non-banking Financial Institutions in risk management, cybersecurity, and compliance. •Development of Integral Risk models with COSO y Basilea methodologies. •Execution of Vulnerabilities test and pen-testing to financial institutions. •Leading automation processes for Credit Union, SOFIPO and Sofom (non-bank lending and finance institution). •Design and leading a system to control and manage Information Technologies as well as AML CFT alerting to comply with CNBV regulation. •FIBA´s (Florida International Bankers Association) speaker in cybersecurity.

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Risk Head: Metrics, Analytics, Strategy and Efficiency Director

AT&T México

Jan 2018 - Oct 2019 (1 year 10 months)

Owner of credit and collections policy as well as responsible for postpaid portfolio management and reserve calculation. •Redesign or reserve calculation methodology for postpaid portfolio reducing the reserve amount by 26%. •Reduction of delinquent account in over 1.5 million USD monthly through segment origination strategies and collections clock redesign. •Automation of Credit processes through robots (Robot Process Automation) generating efficiencies in time and savings of more than 100 FTE´s. •Workforce Management process implementation for Credit and Collections. •Owner and development of risk models and behavior scores. •Implementation of the postpaid account acquisition strategy for different sales channels. •Owner of the da

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Partner - Consultant

Gestión Audita

Jan 2017 - May 2022 (5 years 5 months)

Technical advisor in risk model development. •Consulting and development of parametric models and information systems. •Advice on automation and process optimization. •Development of risk models and dashboards for non-bank lending and finance institutions.

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Credit and Risk Director

AT&T México

Jun 2015 - Dec 2017 (2 years 7 months)

Leader of the design and development of the Data warehouse for clients with a focus on portfolio management, credit and collections. •Design and implementation of income inference models, score and payment capacity for credit origination. •Generating savings over 2.85 million USD in losses through implementation of policies and processes differentiated by risk segment. •Participant on defining the integrated platform for origination and administration of AT&T Mexico payments. •Risk identification and implementation of control panels (KPI's - KRI's) for Credit and Collections.

Consumer Credit Vice president

Banamex

Jan 2008 - Jun 2015 (7 years 6 months)

Responsible for Mortgage Credit process for the metropolitan region. •Responsible for the account maintenance process. •Project leader for operational efficiencies and cost reduction under Lean methodology. •Consumer Origination Representative for Mexico in Citigroup Global Forums. •Guest auditor as an expert to review the Origination of the Consumer business in Latin America •Implementation of Workforce Management for Credit areas

Credit Cards Sr Manager

Banamex

Jan 2004 - Jan 2008 (4 years 1 month)

Reengineering of the Credit Card origination process using Lean methodology resulting of more than 30% efficiency and a 40% reduction in activities and savings of 0.82 MM USD in credit operation expenses. •Processing of up to 6 MM of applications and approval of 1.4 MM of accounts without deterioration of the product portfolio. •Reduction of processing times from 4 hours to 15 min. •Responsible for the origination of Credit Cards nationwide.

Retail Manager

Banamex

Jan 2003 - Jan 2004 (1 year 1 month)

Responsible for the origination of Personal and Automotive loans nationwide. •Adaptation and integration of personal consumer products under Banamex operating standards. •Responsible for the Credit Card evaluation department •Compliance officer for Credit Initiation Vice-presidency. •Increase in credit approval by 8% for Personal Loans through internal document recovery without increasing delinquency. •Reduction of response times from 5 days to 48 hours.

Specialized Consultant Portfolio Analysis

Banamex

Jan 2002 - Jan 2003 (1 year 1 month)

Responsible for the origination policy of consumer products (Credit Card, Personal Loans, Auto Loans, Mortgage). •Identification and preparation of the Risk matrix. •Portfolio behavior and delinquency analysis by product. •Product design at admission, credit policies and process level, as well as operational implementation (BSmart, College, Llave de Crédito, Soriana etc). •Process and policy design for the launch of Instant Credit (credit decision within 15 min). •Successful management and implementation of Strategyware as credit decision engine for Consumer Credit.

José Carlos Andrade Escobar

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José Carlos Andrade Escobar