Mauricio Cruz López

G

Transformation Advisor

GRUPO BATTA (Retal & Lending stores)

Nov 2023 - Current (1 year 7 months)

Helping Grupo Batta to modernize its organization, processes, systems and culture to leverage its brand and begin the exponential transformation of its business.

A

Member of the board

AUCTUS BUSINESS CONSULTING (Business Consulting Firm)

Jun 2023 - Current (2 years)

Helping Auctus with its strategic leadership and governance oversight.

f

Angel Investor

finvero (Fintech marketplace)

Sep 2022 - Current (2 years 9 months)

Helping finvero with its strategic leadership and growth.

d

Managing Director

dmX subsidiary

Feb 2022 - Jul 2023 (1 year 6 months)

Consumer NPLS: • Increased call center productivity by hiring great leaders, creating new incentives programs and an additional evening shift. • Use of AI and alternate data to increase Right Party Contact and collections rates. • Leveraging CRM workflows to automate call center operations. • Leverage our data lake to create real time collection dashboards that help monitor collections by agent, group and portfolio. • Reduced inbound drop rate from 13.6% to 2.7% • Reduced headcount by 36% and telco expenses by 25%. • Collection decreased just 8% to MXN$68M with no portfolio acquisitions. • Defined a new brand Fintastic to align our brand with our purpose. Mortgage NPLS: • Redesign of processes to reduce time to market times. • Bui

d

Chief Operations Officer (COO)

dmX (previously DIMEX CAPITAL) (3rd largest mexican Personal and Payday Loans)

Dec 2015 - Feb 2022 (6 years 3 months)

• Monthly Cash Collection and loans posting of MXN$350 millions (approx USD$200+ millions per year) with an effective collection rate of 98.4% from 95.9% in 2015. • Foresee loan origination of 200,000+ personal loans for MXN$3,000+ millions per year with 98% processed within 24 hours and an approval rate of 86%. For 2021 we've reached 30% processed within 30 minutes. • Loan servicing for 200,000+ loans with a balance of MXN$5,000+ millions, both on-balance & off-balance. • Customer Care & Telemarketing Call Center operations of 15,000+ Inbound calls and 80,000+ outbound calls with a 2.8% drop rate and 90% of calls answered within 20 secs. For 2021 lend MXN$108 millions (aprox USD$5.4 millions) through social media campaigns. • Credit B

T

Servicing & IT Director

TERTIUS PATRIMONIO HIPOTECARIA

Jul 2015 - Dec 2015 (6 months)

• Client Relationship management for MBS Servicing Division (Tertius) and Construction Loans (Patrimonio) • Relationship management with housing developers, financial institutions, rating agencies, trustees and development banks • Defined processes, KPIs and SLAs to manage and comply with our customers' servicing requirements • Improved back-office operation to daily closing periods rather than monthly, improving our monthly closing reporting delivery from 10 business days down to 4 business days • Define and execute the strategic roadmap to increase servicing income through servicing of new asset classes and/or new markets • Oversee IT architecture and operation and keep reducing its OPEX while maintaining or improving security compl

S

Servicing & IT Director & Chief Financial Officer

Mar 2014 - Jul 2015 (1 year 5 months)

For almost a year and a half, I was the acting CFO until we hired and trained a person for that position. • Enforced OPEX & CAPEX budgets and limits to improved cash flow management from a low of MXN$8 millions to MXN$80 millions • Risk Committee member •Leverage SAP potential to improve accounting and tax operations & information •IT budgeting responsible •Leverage SAP to improve sale times of REOs and advancement payments control and accounting • Leverage SAP and Qlikview so employees could access BI information automating reports that had been labor intensive • Team Headcount:80

S

Servicing Director

Oct 2010 - Mar 2014 (3 years 6 months)

• Client Relationship management for Servicing Division (Tertius) • By having a close relationship with Trustees the team could identify the need for servicers change & created a new business sector in Mexico by providing backup servicing and hot servicing to the MBS market as competitors were going bankrupt. As opposed to the USA, in México third party servicing didn't exist at that time. • Achieved 32 servicing contract deals with mortgage insurers like MBIA, IFC, AIG, Genworth, SHF, etc. for 100,000+ mortgages. Fastest servicing transfer was accomplished in 45 days. • Tertius became servicing sales leader with 100,000+ mortgage loans for MXN$30,000+ millions transferred from 2008-2010 creating a business generating MXN$120 millions n

P

Servicing Director

PATRIMONIO HIPOTECARIA

Apr 2007 - Oct 2010 (3 years 7 months)

• Nationwide servicing of 30,000+ mortgage loans & 250+ construction loans in-balance & off-balance for MXN$12,000+ millions: ○ Loans disbursement ○ Loans funding ○ Cash collection & reconciliation ○ Loans transactional posting ○ MI operation with SHF & Genworth ○ UDI-Swap operation for non-MXN Mortgage Loans ○ Cash collection reporting & Relationship management for RMBS • Foresee Customer Service & Call Center • Reengineered 72 Servicing/Customer Service processes certified by TÜV America under ISO 9001:2008, preparing Patrimonio to provide loan servicing to third-parties • Leader of SAP Banking implementation as back-end for Loan Management for both Mortgage & Construction Loans • Team Headcount: 14

S

Sales Director

Oct 2005 - Apr 2007 (1 year 7 months)

• Drive mortgage loans sales growth and branches in México from a monthly origination of 1,200 mortgage loans for MXN$390 millions in 2005 to 2,100 mortgage loans for MXN$754 millions in 2006 leveraging the Cofinavit product • Relationship with housing developers, financial institutions and development banks • Set Up a KPIs and incentive program for sales executives and branch managers to drive sales growth • Team Headcount: 31

B

Northeast Regional Collection Director

BANCO MERCANTIL DEL NORTE SOLIDA ADMINISTRADORA DE PORTAFOLIOS

Apr 2001 - Oct 2005 (4 years 7 months)

• NPL portfolio of 20,192 consumer and mortgage loans in Northeast Mexico (Nuevo León, Coahuila, Tamaulipas, Chihuahua y Durango) with a balance of USD$450.7 millions • Accomplished Cash Collection goals of USD$30 million per year • Head of the Central Staff Unit of Information & Performance serving as liaison with Banorte's corporate areas and Committees. • Consumer Collection member • Sponsor of our ISO 9001:2000 Certification Project • Head of due diligence & portfolio acquisitions mostly from Fobaproa/IPAB/Banks • Team Headcount: 68

N

Northeast Regional Collection Subdirector

Apr 1998 - Apr 2001 (3 years 1 month)

• NPL portfolio of 6,472 consumer and mortgage loans in Northeast Mexico (Coahuila; Tamaulipas, Chihuahua y Durango) with a balance of USD$200+ millions • Due diligence & Portfolio Acquisitions • Yearly, Mid Term & Long Term Business Plan & follow up • Team Headcount: 15.

B

Commercial Banking Executive

BANCOMER, S.A.

Aug 1997 - Apr 1998 (9 months)

clients Zaragoza Group and Jordan Group (Coca Cola

E

Regional Manager

EXPO FREE, S.A.

Nov 1995 - Aug 1997 (1 year 10 months)

• Responsible of retail and operation of store reaching sales of USD$800,000/month in the first year • Successfully complied with two SAT (IRS) audits regarding the fiscal warehouse operation and inventory

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Special Projects Manager

SEGUROS COMERCIAL AMERICA, S.A.

Feb 1994 - Nov 1995 (1 year 10 months)

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Human Resources Manager

Jan 1994 - Aug 1995 (1 year 8 months)

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Projects Leader

Jul 1992 - Jan 1994 (1 year 7 months)

A

Quality Advisor

ASEGURADORA CUAUHTÉMOC, S.A.

Apr 1992 - Jul 1992 (4 months)

S

Strategic Planning Executive

Seguros Monterrey, S.A.

Nov 1991 - Apr 1992 (6 months)

S

Sales Executive

Jan 1991 - Nov 1991 (11 months)

Mauricio Cruz López

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Mauricio's behavioral traits
Mauricio's likely patterns of behavior, thought, values, and emotion. Based on the HEXACO model, OCP instrument, and Torre’s own research.