Open to opportunities

Fernando Pacheco

@fernandopacheco1

Message

I build automated stress-testing analytics and risk insights for large retail credit portfolios.

United States

Message

What I'm looking for

I'm looking to apply quantitative risk, financial modeling, and automation skills to complex analytical work where I can influence risk decisions and strengthen business outcomes.

At Citigroup, I evaluate loss forecasting and credit/scenario models supporting CCAR/DFAST submissions across a $160B+ retail credit portfolio. I built Python automation for recurring quantitative testing and benchmarking, reducing manual effort by about 50% while improving analytical consistency and accuracy.

I've also strengthened cyber risk compliance through monthly analytics, MRA remediation, and capability assessments, while helping launch mentorship and professional-development initiatives for 30+ junior analysts. With a finance and risk management background, CFA Level I, and hands-on modeling experience, I translate complex risk findings into decision-ready recommendations for senior leadership.

Experience

Work history, roles, and key accomplishments

Assistant Vice President, Senior Stress Testing Analyst

Citigroup

Jun 2024 - May 2026 (1 year 11 months)

Evaluated forward-looking loss forecasting and credit/scenario models across Citi's retail credit portfolio, supporting CCAR/DFAST stress capital submissions. Built Python automation for quantitative testing workflows, reducing manual effort by ~50% and improving accuracy.

Python CCAR D FAST Credit Risk Model Validation Data Analysis Automation Benchmarking Risk Reporting

Education

Degrees, certifications, and relevant coursework

University of Texas at El Paso

Bachelor of Business Administration, Finance

Grade: 3.65/4.0

Activities and societies: Co-President of Finance & Investment Club; Senator-At-Large in Student Government Association.

Graduated Cum Laude with a Bachelor of Business Administration in Finance, concentrating in Risk Management. Maintained a 3.65 GPA and made the Dean's List all semesters.