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Português
$
USD
Donar Vidal
@redactordigita
Ex Banker Financial Consultant, Cash Flow, Credit and Loan Readiness
Venezuela
Espanhol
Sobre mim
Ex-Banker with 15+ years in credit & risk. I empower Hispanic & Latino SMEs to master their finances using a unique blend of banking expertise and AI-driven analysis. My services include Cash Flow Forecasting, Loan Readiness, and AR Risk Review. Unlike others, I deliver results through Private Client Portals (Notion), offering interactive dashboards and 'Banker-level' insights. Whether in the US or LatAm, I’ll help you bridge the gap between numbers and growth. Bilingual: Spanish & English. Financial clarity starts here
Habilidades
Donar Vidal
offline •
Tempo médio de resposta: 16 horas
Conheça meus serviços
Modelagem Financeira
I will build your 30 60 90 day cash flow forecast
Portfólio
Experiência profissional
Operations & Cost Optimization Leadership at INVECEM, S.A.
Company • Meio período
Jun 2024 - Present • 1 yr 11 mos
In my current role as the Operations and Cost Optimization Lead, I am responsible for driving financial efficiency and operational excellence across key service areas. I leverage a combination of traditional financial auditing and modern data analytics to identify bottlenecks and implement cost-saving strategies that directly impact the bottom line. Key Achievements & Responsibilities: Strategic Cost Reduction: Successfully led a comprehensive cost optimization project that resulted in a 40% reduction in billing for critical external services through contract renegotiation and process streamlining. Budget Management & Oversight: Direct responsibility for managing operational budgets, ensuring that resources are allocated efficiently and aligned with the organization's strategic goals. Data-Driven Process Improvement: Utilizing SQL and Python to analyze operational data, identifying patterns of waste and implementing automated reporting systems that provide real-time visibility into spending. Procurement & Fleet Justification: Developing technical and financial justifications for large-scale procurement processes (under public contracting laws), ensuring compliance, transparency, and technical viability. Cross-Functional Collaboration: Working closely with purchasing and services departments to refine workflows, improving the speed and accuracy of internal financial approvals. Core Competencies Applied: Operational Efficiency & Cost Control Financial Budgeting & Resource Allocation Business Intelligence (BI) for Operations Strategic Procurement & Technical Reporting This role has allowed me to master the art of organizational efficiency, combining my banking background in risk with a modern, data-centric approach to corporate cost management.
Banks
Período integral • 13 yrs
Gerente de Agencia Comercial
Sep 2014 - Mar 2021 • 6 yrs 6 mos
Key Achievements & Responsibilities: Market Share Expansion: I successfully increased the branch's portfolio participation from 2% to 10% of the bank's total volume through aggressive but calculated commercial strategies and elite relationship management. Comprehensive Credit Analysis: I led the evaluation and approval process for commercial and corporate credit lines, ensuring every operation aligned with institutional risk appetites and profitability goals. Team Leadership: I managed a multidisciplinary team of banking professionals, fostering a culture of excellence in customer service, operational efficiency, and strict adherence to internal controls. Financial Advising: I acted as a strategic partner for corporate clients, providing tailored financial solutions and credit structures that supported their business growth while securing the bank’s assets. Risk Mitigation: I maintained a high-quality credit portfolio by implementing proactive monitoring systems and ensuring 100% compliance with regulatory standards (SUDEBAN). Core Competencies Applied: Commercial Strategy & Business Development Advanced Credit Risk Assessment Operational Excellence & Cost Optimization Stakeholder Management & Corporate Relations This executive experience provided me with a deep understanding of the financial landscape, which I now leverage to provide data-backed business intelligence and corporate finance consulting.
Supervisor de Agencia (Banca Comunitaria)
Mar 2008 - Sep 2014 • 6 yrs 6 mos
Professional Summary & Key Achievements at Banesco Banco Universal During my 6-year tenure as a Branch Supervisor within the Community Banking division, I specialized in managing high-risk credit portfolios and leading high-performance teams in challenging financial environments. My focus was on balancing aggressive commercial growth with rigorous risk mitigation and regulatory compliance. Core Responsibilities & Strategic Impact: Portfolio Recovery & Risk Management: I designed and executed a comprehensive strategic recovery plan for a critical loan portfolio. This initiative successfully reduced the delinquency rate (morosity) from 12% to less than 1% in under twelve months, significantly improving the branch's asset quality. Operational Leadership: I led and mentored a multidisciplinary team, ensuring all credit operations met stringent internal policies and local banking regulations (SUDEBAN). Financial Analysis & Decision Making: I performed deep-dive evaluations of credit applications for micro-entrepreneurs and SMEs, utilizing data-driven insights to authorize sustainable financing. Business Development: I acted as a financial advisor to community-based clients, fostering financial inclusion while maintaining a healthy and profitable credit structure. Key Skills Applied: Credit Risk Assessment & Mitigation Strategic Financial Planning Team Leadership & Performance Optimization Regulatory Compliance & Reporting This experience solidified my expertise in traditional banking and credit lifecycle management, providing the foundational knowledge I now apply to advanced financial consulting and data analytics services.
