Ricardo César Maldonado Callejas
Ricardo César Maldonado Callejas

Risk Management and Credit Specialist

Open to offers · Member since 28 Jul 2026
Message
Location
Toluca, Mexico
Desired salary
Unspecified
Work preference
Hybrid / Full Time
Experience level
Senior

About

Professional summary

I am a professional with more than 10 years of experience in financial risk management, credit analysis, and project administration within the banking sector.

I specialize in designing, developing, and implementing risk strategies for consumer and mortgage portfolios, with a strong focus on improving credit decision-making and mitigating risk exposure.

I have solid experience programming in SAS to optimize credit strategies, automate processes, and support data-driven decision-making.

I have also led projects under agile methodologies, contributing to timely delivery, regulatory compliance, and operational efficiency.

I am recognized for my analytical mindset, leadership, continuous improvement focus, and ability to generate value through innovative solutions.

I am open to opportunities where I can contribute my experience in risk, credit, analytics, and project execution in a challenging and results-oriented environment.

Skills

17 capabilities

Experience

Career history

Asesor de Riesgos e Implementación HSBC México

I designed, developed, and implemented risk strategies for consumer and mortgage portfolios, helping ensure efficient credit management and risk mitigation.

I programmed risk strategies in SAS to optimize decision-making across credit portfolios and supported regulatory and operational effectiveness through policy updates.

I also led risk-related projects using Agile methodologies and executed implementations connected to credit bureaus such as Círculo de Crédito, TransUnion, and Dun & Bradstreet.

Analista Interim Adecco (Para HSBC México)

I automated document-capture processes for HSBC archives, improving processing times and reducing manual errors.

I generated strategic reports on documentation capture processes to support continuous improvement and internal audit activities.

I also provided advisory and support services to HSBC branches regarding document handling and submission, ensuring compliance and record integrity.

Vendedor Cajero Liverpool Provincia

I managed sales and customer service in a department store environment, providing personalized guidance and ensuring a satisfactory shopping experience.

Education

Learning history

Centro de estudios Superiores Universitarios, UAEM

Licenciatura, Informática Administrativa

Undergraduate studies in Administrative Informatics.

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