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Ricardo G
@ricardogarzafin
Financial Modeling and Credit Risk Consultant
Mexiko
Englisch, Spanisch
Über mich
Finance professional with 15+ years of experience in financial modeling, credit risk, lending, project finance, valuation, and business analysis. I lead finance for a consumer lending business and previously worked in financial consulting. I build practical Excel models for forecasting, cash flow, financing, scenarios, feasibility, and strategic decisions. I also review existing models to identify errors, improve assumptions, structure, and usability. Fluent in English and Spanish.
Kompetenzen
Ricardo G
offline •
Meine Dienstleistungen
Finanzmodellierung
I will audit, troubleshoot and improve your financial model
Portfolio
Arbeitserfahrung
Co-Founder and Finance Director
Xpress | Préstamos personales • Vollzeit
Dec 2010 - Present • 15 yrs 11 mos
Co-founded and lead finance for a Mexican consumer lending business. Responsible for financial planning, forecasting, pricing, funding analysis, credit strategy, underwriting, portfolio performance, profitability, cash flow, and strategic decision support. Build and review financial models used for growth planning, lending economics, risk analysis, and management decisions.
Consultant
Axan • Vollzeit
May 2006 - Dec 2011 • 5 yrs 7 mos
Developed financial models and analyses for feasibility, project finance, valuation, infrastructure, banking, and acquisition-related engagements. Work included investment analysis, financial structuring, business feasibility, and decision support for complex projects, including assignments related to multilateral development institutions.
Trainee – Global Marketing Resources
Kraft Heinz • Vollzeit
Jul 2004 - Dec 2005 • 1 yr 5 mos
Supported global financial analysis and management reporting within Global Marketing Resources. Worked with cost centers and balance sheet accounts, prepared senior management presentations, supported Sarbanes-Oxley compliance, and contributed to the management of a global agency-evaluation system covering 67 countries.
