Sebastian Gabriel Del Hoyo

Experience

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  IBM Argentina

  Jan 1998 - Jan 2001

  Senior Market Analyst

  Local and regional market analysis (market variables evolution, forecasting). Competitors analysis and follow-up. Segmented share analysis. Market research. Presentations for high management. Market, customer and sales data management. Customer portfolio analysis and sales strategies development

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  Citibank

  Jan 2001 - Jan 2006

  Argentina - Uruguay TRIAD Manager

  Risk Strategies management with Triad software (Fair Isaac). Development, testing and implementation of Strategies for Credit Cards Renewals, Transaction and Overlimit Authorizations, Credit Limit management, Collections, Marketing Communications and Retention. Strong interaction with other company areas for strategy approval. Double reporting: locally to Risk Manager, regionally to Strategies Manager (Miami based).

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  Tarshop S.A.

  Apr 2006 - Aug 2011

  Risk Analytics Head
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  Equifax

  Aug 2011 - Nov 2011

  Statistical Consultant - International Analytics

  Develop statistical scoring models and give support to local teams for 14 countries arround then world. Home office work.

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  Tarshop S.A.

  Nov 2011 - Dec 2013

  Risk Analytics Head

  Startup responsible and management of the area, recruitment, training and retention of high performance professionals. Risk Strategies development aligned with business goals. Relationship with information bureaus. Strong interaction with Commercial and Technology management for project’s accomplishment. Creation, implementation and follow-up of Decision Systems. Main goals: 1.5 million accounts managed, with 625 million dollar exposure. More than 100 commercial campaigns developed minimizing risk summarizing credit offerings by 350 million dollar. Segmented credit limit increments for more than 375 million dollar. Successfully implemented on-line credit analysis systems. Developed and implemented application, behavior, attrition, and response statistic models, both generic and segment specific. Credit and Collections Policy proposal based in analytics. Member of Credit Comitee, Risk Comité, and Risk-Commercial Comitee, where high level strategic decisions are taken. Show less

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  SAS

  Jan 2014 - Mar 2016

  Project Manager - Data Mining Consultant

  2014 - Garbarino - Marketing Automation - Project Management2014 - Banco Credicoop - Marketing Automation: Project management2014 - Banco Credicoop - Cross Sell for Cabal credit card predictive model: Project management, score development, test and implementation of model.2014 - Banco Credicoop - Attrition for Cabal credit card predictive model: Project management, score development, test and implementation of model.2015 - Banco Galicia - ABC Costing: Project management.2015 - Banco de Córdoba - Credit Decision Engine: Project management.2015 - Banco de Córdoba - Early Collections predictive model: Project management, score development, test and implementation of model.2015 - Banco de Córdoba - Credit Origination predictive model: Project management, score development, test and implementation of model.2015 - Banco de Córdoba - Behavioral predictive model for payroll population: Project management, score development, test and implementation of model.2015 - Banco de Córdoba - Behavioral predictive model for non payroll population: Project management, score development, test and implementation of model.2016 - Banco Credicoop: Implementation of developed Behavioral predictive model: functional specifications definition, commercial proposal Show less

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  CFC - Comafi Financiación de Consumo (Banco Comafi)

  Apr 2016 - Mar 2022

  Jefe de MIS e Inteligencia de Cartera / Jefe de Business Intelligence y Adm de Campañas

  MIS & IC (3 posiciones)MIS de Riesgo para los distintos negocios.Desarrollo, implementación y seguimiento de performance de modelos de score de cobranzas, respuesta a campañas.Desarrollo de estrategias de riesgo.Se supervisan productos de tarjeta de crédito, prestamos en efectivo y financiación al consumo para las 5 marcas de la empresa.BI & AC (3 posiciones)Generación de campañas de venta pre-aprobadas para clientes y para prospectos de mercado abierto, campañas de activación, campañas de oferta de seguros.Seguimiento de resultados de venta, y de gestión de bases. MIS de campañas.Implementación de estrategias de asignación de bases para optimizar los beneficios de la empresa.Se generan mensualmente 180.000 ofertas por un monto de $ 6.000 millones en préstamos, y $ 500 millones en tarjetas de crédito. Show less

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  HSBC

  Apr 2022 - now

  Lider GRA Modeling - Wholesale