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Leonardo Torribilla

@leonardotorribilla

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I build quantitative risk frameworks, credit models, and actuarial pricing strategies that improve financial outcomes.

Spain

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What I'm looking for

I'm looking to lead quantitative risk, credit, actuarial pricing, or financial planning work where I can build practical risk frameworks, develop data-driven models, and improve business decisions and financial outcomes.

At Loads USA, I designed and implemented the company’s first enterprise risk management framework and led risk, collections, treasury, accounting, and corporate development. I also used data-driven credit segmentation to halve the average B2B receivables collection period from 40 to 20 days.

Previously at Allianz Portugal, I owned technical risk and pricing for the Health portfolio, monitored loss experience, and supported tariff reviews that contributed to reducing the portfolio’s loss ratio. I also modelled unit-linked downside exposure for a death-benefit guarantee and contributed to a machine-learning-based tariff for term life products.

I’ve built pricing and technical risk functions from zero at Banesco Seguros, developed cash-flow forecasting and investor reporting at Loads in Chile, and forecast macroeconomic series and algorithmic trading opportunities at BancTrust & Co.

I bring an actuarial and econometrics background, advanced Python, R, and SQL skills, and five years of university teaching in econometrics and time series analysis. My MSc research at NOVA IMS focuses on multi-agent reinforcement learning for algorithmic trading.

Experience

Work history, roles, and key accomplishments

Chief Risk Officer & Chief Financial Officer

Loads USA, Inc.

May 2026 - Aug 2026 (3 months)

Designed and implemented the company's first enterprise risk management framework, covering risk identification, appetite, mitigation, and monitoring. Led credit and collections risk, halving the average collection period from 40 to 20 days, and managed currency risk with forward-based hedging.

Enterprise Risk Management Credit Risk Collections FX Hedging Working Capital Management Team Leadership

Education

Degrees, certifications, and relevant coursework

NOVA IMS, Universidade Nova de Lisboa

Master of Science, Risk Management

2023 -

Activities and societies: Academic Merit Award, 2024; Best Student in Applied Network Analytics, NOKIA – NOVA IMS, 2024

Pursuing an MSc in Risk Management with coursework in credit risk modelling, Basel framework, IFRS 9, and financial derivatives. Built a machine-learning credit risk model and is currently working on a thesis on multi-agent reinforcement learning for algorithmic trading.

Universidad Central de Venezuela

Bachelor of Science, Actuarial Science

2012 - 2018

Grade: First in Class

Activities and societies: Graduation Award and Academic Merit, UCV (2016, 2018)

Graduated First in Class with a BSc in Actuarial Science. Completed dual dissertations on GARCH-EVT-copula methods for VaR estimation in Latin American markets.