Carlos I.
About Carlos I.
Carlos I. serves as the Vice President of Risk Management at Credit Key, where he has worked since 2018. He has extensive experience in risk operations and underwriting, having held various positions at notable financial institutions.
Work at Credit Key
Carlos I. serves as the Vice President of Risk Management at Credit Key, a position he has held since 2018. In this role, he focuses on enhancing risk operations and developing innovative strategies to manage credit risk effectively. His leadership contributes to the company's mission of providing flexible financing solutions for businesses.
Previous Experience in Risk Management
Carlos I. has extensive experience in risk management across various organizations. He worked at Liftfund as a Senior Business Loan Underwriter from 2011 to 2014, where he developed tools to enhance risk operations. He also held the position of Senior Underwriter at Ondeck for six months in 2016, where he launched a B2B small business lending payment service for e-commerce platforms.
Educational Background
Carlos I. studied at the University of the Incarnate Word, earning a Bachelor of Business Administration (BBA) in Business Management from 2007 to 2009. He furthered his education at HBX / Harvard Business School, completing a certification in Business Analytics, Financial Accounting, and Economics for Managers in 2016. Currently, he is enrolled in the Harvard Business Analytics Program, which he began in 2022.
Achievements in Credit Operations
Throughout his career, Carlos I. has engineered a lean and scalable Credit Operations Management framework. He established a product framework that integrates automated Know Your Customer (KYC), Anti-Money Laundering (AML), fraud detection, and underwriting processes. His focus on automation has significantly improved efficiency in credit and underwriting policies.
Career Progression
Carlos I. has held various positions in the financial sector, including roles at Wells Fargo as a Personal Banker and Loan Adjustor Specialist, and at Bluevine as Senior Manager of Credit and Underwriting. He also served as Loan Fund Manager at Working Capital For Community Needs from 2014 to 2015. His diverse experience has equipped him with a comprehensive understanding of risk management and credit operations.