Alejandro Murata

Experience

• 

  Citi

  Dec 1995 - Jun 2000

  • Citigold Assistant Manager

    May 1999 - Jun 2000

  • Analyst

    Dec 1995 - Apr 1999
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  BankBoston

  Jul 2000 - Jun 2004

  Senior Analyst

  Senior Analyst – Finance & ProceduresMIS and reporting to Head Office.Cost-benefit analysis and Projects implementation.Process Centralization – Branch Back Office (Regionalization). (Savings of U$S 2,2 MM).

• 

  Citi

  Jul 2004 - Mar 2017

  Credit Initiation (33 employees)3 areas under management (Credit Initiation – Credit Maintenance – Credit Operations Strategy)Ensure the accomplishment of all the goals (Cycle Time, Productivity, Quality, etc.)Extensive experience in leading and coordinating technological projects, with excellent interaction from the business side and the IT team (at local, regional and Global level).Interact with Compliance, Legal, Marketing and Sales team, to fulfill the Business goals meeting the Risk appetite set by Credit Policy.Continuous improvement of internal processes to reduce the response time for external and internal customers.Direct interaction with Global Team for enhancement of credit initiation process across the region.Exceptions handling to meet the 4% cap goal set by Credit Policy.Achievements:40% improvement of applications processed with only 10% increase in personnel.Cycle time increase from 65% to 90% in 24hs, and from 90% to 98% in 72 hs.Decrease in overtime (reduction of 900hours). Improving employee satisfaction2nd semester of 2012, following the balance sheet reduction strategy set by the franchise, restructuring of 42% of the team (24 headcounts).From 2012 to 2015, P&L Actuals better than plan.Successful implementation of:o Implementation of One Front applicationo Payroll Delivery Improvement (Project to book asset products on-line)o Implementation of the regional CDE tool (Credit Decision Engine).o E-NPS 2015: 46%o VOE 2015: 67% Show less Credit Policy (Consumer, Citifinancial and Commercial)Development and recommendation of Credit Policies for existing and new banking products (Cards, PIL, Overdrafts, Ready Credit, Mortgage, Indirect Lending, Supported Lending, Collateral Lending).Planning process fulfillment of new products, assisting the development teams and modifications to the product.Train and Assist in the development and lecture of training programs.Achievements:Launch of the Open Credit Product to market.Sale of the Provencred Portfolio (Citifinancial).Development of the CCB Credit Program (Commercial) Show less

  • Contact Center Vice President

    Dec 2016 - Mar 2017

  • Credit & Collections Vice President

    Dec 2015 - Nov 2016

  • Credit Initiation Manager

    Aug 2010 - Dec 2015

  • Credit Policy Manager

    Sept 2006 - Jul 2010

  • Project Manager

    Jul 2004 - Aug 2006
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  Banco Comafi

  Jul 2017 - Sept 2019

  Product Manager

  • Implementation of Digital Loans. 100% digital experience for the customer.• 100% increase in sales of Personal Loans in 3 months at the end of 2018. Adjustments in Credit Policies.• Digitization of files. Sustainability project (Paperless). SLA reduction.• Product Owner in agile methodologies for the relaunch of Card Onboarding.

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  CMR Falabella Argentina

  Oct 2019 - Jan 2023

  Chief Risk Officer

  Risk Management in alignment with corporate directions and definition of local strategies. Reporting to the General Manager, leading 5 managers and 100 collaborators. • Lead the Risk team to sell the CMR Business successfully. • Successful migration (10 days) of the collection call center to 100% remote, achieving business continuity without affecting productivity rates. 70 collaborators.

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  Banco Falabella Peru

  Jan 2021 - Jan 2023

  Chief Risk Officer

  Enterprise Risk Management in alignment with corporate directions and definition of local strategies. Reporting to the General Manager, leading 7 managers and 170 employees.• Relaunching of the credit offer in the Peruvian market, doubling the pre-approved base of 1.3MM prospects to 2.6MM, surpassing 5% market share.• 100% ASA certification from SBS, improving the capital ratio by 1%.• Implementation of digital solutions in Collection operations, achieving annual operational cost savings of USD 200M.• Implementation of the Capital and Liquidity Management Committee in Peru, which allowed:o Improvement of the Bank's Capital Strengh. Capital ratio increased from 13% to 15%.o Improvement in liquidity (reciprocity from 50% to 73%).• Leadership in the centralization of the modeling team in a regional hub in Chile, achieving the implementation of new technology in the prediction Models of Peru.• Maintenance of productivity of unionized employees through the implementation of a good communication strategy. Show less

• 

  Niubiz

  Jul 2023 - now

  Chief Risk Officer (CRO)