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ricardogarzafin

Ricardo G

@ricardogarzafin

Financial Modeling and Credit Risk Consultant

Messico
Inglese, Spagnolo
Alcune informazioni sono riportate in lingua inglese.
Chi sono
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.... Continua a leggere

Competenze

r
ricardogarzafin
Ricardo G
offline • 

Consulta i miei servizi

Modeling finanziario
I will audit, troubleshoot and improve your financial model
A partire da150 USD / progettoMaggiori dettagli

Portfolio

Esperienza lavorativa

Xpress_| Préstamos personales

Co-Founder and Finance Director

Xpress | Préstamos personales • Full time

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.

Axan

Consultant

Axan • Full time

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.

Kraft_Heinz

Trainee – Global Marketing Resources

Kraft Heinz • Full time

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.