Experience

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  Bankinter

  Sept 2007 - Dec 2007

  Commercial assistant

  Scholarship granted by the Caja Madrid Foundation. Customer service tasks and operations in cash department of a bank branch.

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  Fallon & byrne ltd.

  Aug 2008 - Dec 2008

  Shop assistant and stock controller

  Shoop assitant and stock controller in a shop in Dublin City.

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  Bbva

  Jun 2009 - Jun 2010

  Credit risk analyst

  Summary:Supported the analysis and resolution of financing proposals for SMEs and self-employed clients, developing early expertise in credit risk assessment and business financing.Key Contributions:Conducted financial evaluations and risk assessments for loan proposals, in collaboration with commercial teams.Gained exposure to SME credit processes, contributing to the structuring of tailored financing solutions.Developed a solid foundation in credit analysis and client relationship support within a banking environment. Show less

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  Grupo banco popular

  Jul 2010 - Mar 2018

  Senior credit risk analyst

  Financial Institutions and Market Risk DepartmentMay 2016 – Mar 2018Summary:Specialized in analyzing international risk proposals, managing financial institution exposures, and conducting country risk analysis and interbank credit line assessments, using external ratings and internal methodologies.Key Responsibilities:Assessed export credits, secondary market financing, and other international transactions for risk exposure and compliance.Monitored balances and financial health of international banks, using reports from rating agencies (Moody’s, S&P, Fitch) and internal models.Participated in setting interbank credit limits and evaluating sovereign and country risk.Conducted portfolio monitoring and reporting, ensuring alignment with risk policies and early detection of potential impairments.---Retail Risk DepartmentJul 2010 – May 2016Summary:Managed risk analysis and approval of credit proposals for individuals, self-employed clients, and SMEs, applying internal risk models and ensuring portfolio quality.Key Responsibilities:Performed credit assessments for consumer loans, mortgages, and SME financing, supporting loan approvals in line with internal risk parameters.Ensured regulatory compliance and adherence to credit policies, while optimizing risk-return balance.Collaborated with front-office teams to structure tailored financing solutions within acceptable risk thresholds. Show less

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  Santander corporate & investment banking

  Mar 2018 - Jun 2022

  Senior corporate analyst - corporate and investment banking

  Summary:Global Analyst responsible for managing corporate client portfolios with €5 billion+ in credit exposure, coordinating with local risk teams across multiple geographies. Provided strategic risk oversight through deep financial, macroeconomic, and industry analysis, supporting capital allocation and regulatory compliance at global level.Key Responsibilities & Achievements:Acted as Global Risk Analyst for top-tier corporate clients, leading credit risk analysis and coordinating with local teams in various countries to ensure consistent global exposure management.Conducted comprehensive portfolio reviews, integrating macroeconomic trends, sector dynamics, and client-specific financials to assess risk and guide strategic decisions.Managed credit lines across asset classes (loans, trade finance, market products), ensuring effective capital usage and alignment with internal risk appetite.Established internal ratings based on proprietary models and provided recommendations for exposure limits and facility structures.Supported regulatory reporting and ensured compliance with local/global credit policies, including Basel III capital requirements.Delivered risk inputs for investment strategy and portfolio optimization, contributing to high-level risk-return evaluations. Show less

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  Deutsche bank

  Jun 2022 - now

  Summary:Lead portfolio management of Trade Finance assets across EMEA, focusing on maximizing risk-adjusted returns, reducing capital consumption (RWA), and ensuring strategic diversification and regulatory compliance.Key Responsibilities & Achievements:Lead the global Low Performers Initiative, identifying and restructuring underperforming client exposures, achieving a €2.0 billion RWA reduction over the past year.Manage end-to-end asset selection, portfolio allocation, and performance monitoring to ensure alignment with return and risk objectives..Ensure compliance with internal governance and external regulations (e.g., CRR3), mitigating legal and regulatory risks.Provide oversight and guidance to Portfolio Managers, enhancing asset selection discipline and risk-adjusted return optimization. Show less Summary:Led the development of an internal framework for the syndicated loan portfolio, managing credit risk end-to-end and supporting Sales in structuring and monitoring high-value transactions. Contributed to the doubling of the portfolio’s size while maintaining strong risk oversight and capital efficiency.Key Responsibilities & Achievements:Designed and implemented a tailored internal framework for risk analysis, monitoring, and reporting of the syndicated loan portfolio.Supported Sales teams in structuring transactions, advising on pricing, risk parameters, and capital implications.Conducted in-depth financial analysis and credit assessments for complex financial products (Trade Finance, LBOs, Club Deals, etc.).Actively monitored portfolio performance, including covenant tracking, renegotiations, extensions, and early warning indicators.Delivered reporting to senior management and collaborated on strategies to optimize capital consumption (RWA) and portfolio quality.Doubled the size of the syndicated portfolio through robust risk management and proactive support to business teams. Show less

  • Trade Finance - Risk & Portfolio Management EMEA. Corporate Bank

    Mar 2024 - now

  • Credit Risk Management

    Jun 2022 - Mar 2024