Barcelona, Catalonia, Spain
Dynamic MBA graduate in International Business with a proven track record of success in diverse, multinational environments. Experienced in credit risk management and business strategy, with a strong ability to communicate and collaborate with stakeholders at all levels. A self-starter with a passion for continuous learning and a knack for multi-tasking, I thrive in challenging roles that require innovative thinking and a commitment to excellence. I excel at driving value through out-of-the-box solutions, whether working independently or as part of a team. Seeking to leverage my expertise to make impactful contributions in a global setting.
- Underwrote, analyzed, and approved credit proposals for HNW and UHNW private banking clients, ensuring alignment with policy, regulation, and client needs; directly contributed to Net New Money growth for the franchise. - Cut credit approval turnaround by 80% for 85% of the portfolio by helping design and implement a front-to-back credit ERP/dashboard; provided expert input on risk logic, workflows, testing, and data validation across IT, Front Office, and Operations. - Trained and co-managed a new offshore credit review team, ensuring consistent analysis quality and policy adherence; reduced onshore workload by 70%, freeing capacity for complex credit files. - Produced portfolio MI, trend analysis, and ad-hoc risk insights for senior management, supporting decision-making across Asia Pacific. - Contributed to the development of an ESG credit-assessment framework, integrating sustainability considerations into PB lending decisions.
- Led and mentored a team of 2 analysts, strengthening analytical quality and operational discipline while driving team-wide productivity improvements. - Oversaw Private Banking portfolio MI and Key Control Indicators, resolving data or process breaks promptly; enhanced efficiency by eliminating 20% of redundant legacy reports. - Served as the Key Responsible Person for all periodic MI, regulatory, and financial reporting in coordination with the Loan Management Unit, ensuring accuracy, timeliness, and control adherence. - Drove major ERP enhancement initiatives, working closely with IT, PB, and Risk stakeholders to validate workflows, challenge assumptions, and ensure a smooth and controlled system rollout.
- Acted as the Key Responsible Person for Private Banking Credit Risk reporting, managing all periodic MI, regulatory submissions, financial reporting, audit deliverables, and ad-hoc requests with full ownership and accuracy. - Led BCBS239 reporting enhancements, coordinating with Global and Regional stakeholders to redesign data controls, strengthen governance, and ensure regulatory compliance. - Executed the Industry-Wide Stress Test for the PB portfolio, conducting post-stress analytics to identify anomalies, escalate issues, and validate data integrity in partnership with PB IT. - Managed bank-wide audit issues, ensuring timely remediation, clear documentation, and monthly reporting to the Risk Forum and EXCO. - Reviewed the monthly Risk Appetite Statement, conducting variance analysis and liaising with stakeholders to investigate and escalate breaches or unexpected movements. - Supported the preparation of the Operational Risk Forum deck, ensuring clarity, data accuracy, and alignment to the Operational Risk Framework.
- Managed end-to-end fixed income settlement operations across bonds, notes, and structured products, ensuring timely, accurate completion with strong risk and control discipline. - Validated all new structured trades against source documents and counterparties, identifying and resolving breaks promptly to minimize settlement risk and operational losses.
- Produced detailed performance reports covering multi-asset portfolios, including instrument-level analytics, attribution, and consolidated client wealth summaries. - Engaged with Relationship Managers and Investment Advisors to understand reporting requirements and deliver tailored insights. - Delivered customized performance reports tailored to client and advisor needs, enhancing portfolio transparency and supporting investment discussions.
● Assisted in the audit process during the financial year-end audit. ● Corresponded with Government departments such as the Monetary Authority and Inland Revenue for necessary information and clearance. ● Liaised with Regional office for necessary financial information.