![Ricardo César Maldonado Callejas](https://jobicy.com/react/themes/app/images/avatar.jpg) Ricardo César Maldonado Callejas # Risk Management and Credit Specialist Open to offers · Member since 28 Jul 2026 [Message](https://jobicy.com/dashboard-page.md) ShareLocationToluca, MexicoDesired salaryUnspecifiedWork preferenceHybrid / Full TimeExperience levelSenior * [Overview](#overview) * [Portfolio 0](#portfolio) * [Services 0](#services) ## About Professional summaryI 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[Analytical Thinking](https://jobicy.com/talent/analytical-thinking.md)[Banking Regulations](https://jobicy.com/talent/banking-regulations.md)[Communication](https://jobicy.com/talent/communication.md)[Customer Service](https://jobicy.com/talent/customer-service.md)[Data Driven Decision Making](https://jobicy.com/talent/data-driven-decision-making.md)[Financial Analysis](https://jobicy.com/talent/financial-analysis.md)[Leadership](https://jobicy.com/talent/leadership.md)[Negotiation](https://jobicy.com/talent/negotiation.md)[PMBOK](https://jobicy.com/talent/pmbok.md)[Problem Solving](https://jobicy.com/talent/problem-solving.md)[Process Automation](https://jobicy.com/talent/process-automation.md)[Project Management](https://jobicy.com/talent/project-management.md)[Risk Management](https://jobicy.com/talent/risk-management.md)[Risk Mitigation](https://jobicy.com/talent/risk-mitigation.md)[Sales](https://jobicy.com/talent/sales.md)[Scrum](https://jobicy.com/talent/scrum.md)[Strategic Thinking](https://jobicy.com/talent/strategic-thinking.md) ## Experience Career history ### Asesor de Riesgos e Implementación · HSBC México Feb 2014 – Feb 2025I 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) Aug 2005 – Feb 2014I 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 Mar 2000 – May 2005I 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 1999 – 2004Licenciatura, Informática Administrativa Undergraduate studies in Administrative Informatics. This professional hasn’t added portfolio projects yet. This professional hasn’t listed any services yet.