Karla Werner

Experience

• 

  Banco AV Villas

  Mar 2012 - Dec 2012

  Internship in Commercial Advisory and Financial Operations
• 

  Haceb

  Jan 2017 - Jul 2017

  Industrial Engineering Intern

  • Development of a model to calculate the resource capacity of distribution center personnel based on the monthly Sales and Operations Plan (S&OP).• Conducting Lean Manufacturing diagnostics in the raw materials warehouse and performing statistical data analysis.

• 

  Mibanco Colombia

  Jan 2018 - Nov 2022

  • Managed provision requirements in accordance with regulations, ensuring continuous compliance with the established standards.• Analyzed provision behavior and identified critical factors impacting provision increases, with the goal of optimizing net expenses.• Conducted high-impact analyses and presented findings to the board of directors, supporting strategic decision-making.• Prepared financial provisions budgets and net expense forecasts, ensuring alignment with company objectives.• Managed and analyzed portfolio behavior and quality risk indicators, identifying areas of improvement.• Streamlined processes and performed complex database queries to support risk management activities and enhance operational efficiency. Show less

  • Senior Credit Risk Analyst

    Jan 2021 - Nov 2022

  • Credit Risk Analyst

    Jan 2018 - Dec 2020
• 

  Banco Santander Colombia

  Nov 2022 - May 2023

  Enterprise Risk Manager Specialist

  • Played a key role in optimizing credit risk management processes, reducing costs, and improving the quality of the risk portfolio.• Responsible for managing high-risk portfolios, developing and implementing a risk management strategy focused on minimizing Expected Loss (EL) provisions.• Analyzed credit risk indicators and portfolio behavior, identifying areas for improvement to optimize the company's financial performance.• Led the process of calculating and monitoring provisions, ensuring compliance with regulatory standards and company policies.• Developed and presented detailed reports and recommendations to senior management, supporting data-driven decision-making.• Collaborated with cross-functional teams to improve risk assessment processes, creating automated solutions to streamline workflows and enhance efficiency. Show less

• 

  Yamaha Motor Finance Colombia

  May 2023 - now

  Head of Credit Risk

  • Improved vintage performance by over 60% within one year through strategic risk mitigation initiatives.• Designed and managed the financial budget for the entire company, optimizing resource allocation and financial performance.• Created and adjusted scoring models, including the development of an Expected Loss model tailored to the company’s needs.• Lead the Credit Risk team, providing strategic direction and ensuring alignment with the company's objectives.• Implemented the company’s compliance program, fostering adherence to regulatory standards and internal policies.• Developed customer admission policies and a risk-based customer classification model, ensuring effective portfolio management.• Established credit risk mitigation policies to protect the portfolio and minimize potential losses.• Created and monitored liquidity risk indicators to safeguard the company's financial stability.• Provided guidelines to the credit team, defining core principles for evaluating critical customers.• Identified and analyzed the financial institution's customer risk profiles, enabling informed decision-making.• Strengthened partnerships with insurers and coverage funds, enhancing risk management capabilities.• Delivered impactful presentations to the Board of Directors, showcasing results and progress in risk management. Show less