Wilfredo Alexander Galicia Batres
Economics & Business, BA
Residencial Cumbres De La Escalón I Pje. Miramar 4-B. Col. Escalón.
Summary
Professional with more than 15 years of experience in regulated financial institutions in the areas of Risk, Collections, Finance, and Treasury. I stand out for strong leadership, analytical, and communication skills. Focused on generating strategies, supported by solid quantitative analysis, that contribute to institutional financial stability. I have proven experience leading multidisciplinary teams with a results-oriented approach.
Overview
17
17
years of professional experience
2
2
Languages
Work History
Chief Risk Officer (CRO)
SAC CREDICOMER
01.2024 - 11.2025
- Coordinating areas of Integrated Risk Management, Collections, Credits, Information Security, Transaction Risk, and Collateral Management.
- Participation in the Integrated Risk Management Committee, Delinquency Committee, Assets and Liabilities Committee, and the Board of Directors.
- Responsible for developing, administering, and updating the Institution’s Risk Governance framework.
- Design of collections strategies across various recovery channels (call center, domiciliary collection, and pre-legal collections).
- Reengineering the Collections Management to ensure efficient management across products and recovery channels.
- Implementation of strategies to stabilize portfolio quality indicators.
- Implementación de Risk Based Pricing para productos de Banca de Empresas.
- Update of the Business Model for servicing the Microenterprise segment, creating a framework that ensures portfolio health with low friction in credit approvals.
- Implementation of Card-to-Card policy to support the growth of the Credit Card portfolio, improving portfolio quality indicators.
- Implementation of BPM supporting shorter processing times with greater control in credit granting.
- Creation of predictive models for stages of the credit cycle.
- IFRS 9 implementation.
Senior Risk Manager
SAC CREDICOMER
07.2022 - 12.2023
- Coordinating areas of Integrated Risk Management, Information Security, and Transaction Risk.
- Participation in the Board of Directors, Integrated Risk Management Committee, and Assets and Liabilities Committee.
- Ownership of Credit, Liquidity, and Market policies ensuring efficient risk management.
- Creation of an area responsible for generating databases and reporting for RiskManagement to support the Institution’s decision-making.
- Generation of initiatives to support Management of Business and Credit & Collections.
- Implementation of price assignment policy based on debtor risk profile, monetizing higher-risk segments.
- Design of credit granting methodology for Informal Consumer Banking.
- Implementation of Monitor Plus for transactional monitoring of digital channels.
Risk Models Deputy Manager
BANCO PROMERICA
01.2021 - 07.2022
- Development and maintenance of models for Credit Risk, Liquidity Risk, and Market Risk management.
- Maintenance of support models for periodic IFRS9 calculation, complying with Corporate guidelines.
- Verification of compliance and update of internal policies associated with Credit Risk, Liquidity Risk, and Market Risk.
- Implementation of Risk-Based Pricing (RBP).
- Development of origination and maintenance models using FICO.
- Participation in the Integrated Risk Management Committee.
Financial Risk Head
BANCO PROMERICA
06.2018 - 12.2020
- Evaluation and maintenance of Credit Risk, Liquidity Risk, and Market Risk models.
- Implementation of IFRS9 for the calculation of expected losses on the loan portfolio.
- Verification of compliance and update of internal policies associated with Credit Risk, Liquidity Risk, and Market Risk.
- Implementation of Business Process Management (BPM) for Personal Banking credit granting.
- Participation in the Integrated Risk Management Committee.
Senior Financial Analyst
BANCO PROMERICA
06.2017 - 05.2018
- Responsible for leading the Assets and Liabilities Committee (ALCO).
- Calculation of profitability for Corporate Banking clients.
- Analysis of profitability for new products.
- Calculation of transactional costs for different service channels (ATM, Branches, Financial Correspondents, etc.).
- Development of portfolio investment strategies.
Sr. Analyst for Central America and Dominican Rep.
PACIFIC CREDIT RATING
06.2015 - 06.2017
- Member of the VERUM Rating Committee.
- Supervision of the analysis team for Central America and Panama.
- Presentation of proposals to the Methodology Committee for any opportune updates to the utilized methodologies.
- Rating of the non-sovereign loan portfolio for CAF (Development Bank of Latin America and the Caribbean).
Senior Economic Analyst
BANCO AGRÍCOLA
06.2012 - 06.2015
- Development and distribution of periodic reports on relevant economic and stock market indicators, as well as the generation of statistical models for designing trading strategies.
- Participation in the Investment Committee and the Assets and Liabilities Committee (ALCO).
Senior Scoring and Risk Models Analyst
BANCO AGRÍCOLA
12.2008 - 06.2012
- Development, implementation, and monitoring of statistical origination, behavioral, and collections models for Consumer products to support effective Credit Risk management.
Education
Master of Arts - Cybersecurity
OBS Business School
05.2001 -
Certification Programme - Risk Management in Banking
House of Training Luxembourg / ALRiM
01.2020
Master - Financial Markets & Risks
EUDE
01.2016
MBA -
EUDE
01.2015
Postgraduate - Quantitative Methods
ESEN
01.2012
Bachelor of Arts - Business And Economics
Escuela Superior De Economía Y Negocios
05.2001 -
Skills
Strategic planning and execution
Personal Information
Date of Birth: 09/20/86
References
Julio Alberto Girón Murillo
Senior Risk Manager
Becstone Capital LLC
(503) 7742 7126
Edgardo Antonio Aguilar Cruz
Treasury Manager
Banco Agrícola
(503) 7922 0430
Emerson Contreras
SME Manager
Multimoney
(503) 6979 8872
Karina Isabel Montoya Reyes
Central America Coordinator
Pacific Credit Rating
(503) 7014 2589
Timeline
Chief Risk Officer (CRO)
SAC CREDICOMER
01.2024 - 11.2025
Senior Risk Manager
SAC CREDICOMER
07.2022 - 12.2023
Risk Models Deputy Manager
BANCO PROMERICA
01.2021 - 07.2022
Financial Risk Head
BANCO PROMERICA
06.2018 - 12.2020
Senior Financial Analyst
BANCO PROMERICA
06.2017 - 05.2018
Sr. Analyst for Central America and Dominican Rep.
PACIFIC CREDIT RATING
06.2015 - 06.2017
Senior Economic Analyst
BANCO AGRÍCOLA
06.2012 - 06.2015
Senior Scoring and Risk Models Analyst
BANCO AGRÍCOLA
12.2008 - 06.2012
Master of Arts - Cybersecurity
OBS Business School
05.2001 -
Bachelor of Arts - Business And Economics
Escuela Superior De Economía Y Negocios
05.2001 -
Certification Programme - Risk Management in Banking
House of Training Luxembourg / ALRiM
Master - Financial Markets & Risks
EUDE
MBA -
EUDE
Postgraduate - Quantitative Methods
ESEN