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María Isabel Rivera

@maraisabelrivera

Corporate Relations Manager at Banistmo who co-designed the bank’s Sustainable Bond Framework and negotiates rating agency agreements.

Panama
Message

At Banistmo, I manage relationships with international credit rating agencies and serve as the lead negotiator on commercial agreements. I’ve achieved significant cost savings without interrupting service.

I also manage relationships with institutional investors, investment funds, banks, and family offices, and support debt issuance through due diligence, prospectus reviews, and contractual documentation. I co-designed the bank’s Sustainable Bond Framework, including ESG due diligence and environmental and social risk criteria.

At Banco General, I designed and implemented retention and growth strategies for debit and credit card portfolios. I developed Power BI dashboards and customer growth projections to support management decisions.

Earlier, at KPMG Panamá, I supported credit risk consulting and audit work, calculated PD, LGD, and EAD, and built forward-looking macroeconomic models. My experience also includes financial analysis and process automation, and I hold degrees and further study in industrial engineering, law, accounting, and Big Data and Business Analytics.

Experience

Work history, roles, and key accomplishments

KP

Asistente de Gestión de Riesgo Financiero

KPMG Panamá

Dec 2021 - Sep 2022 (9 months)

Provided credit risk consulting and audit support for banking and commercial clients in Latin America under IFRS 9. Calculated PD, LGD, and EAD and built forward-looking macroeconomic models for credit risk estimation.

LP

Pasante de Finanzas

L'Oréal Panamá

Mar 2021 - Dec 2021 (9 months)

Managed regional product pricing and tariffs in SAP for Latin American clients. Analyzed profitability of new product launches and supported automation of financial processes.

Education

Degrees, certifications, and relevant coursework

AS

ADEN International Business School

Licenciatura en Contabilidad y Auditoría, Accounting and Auditing

Currently pursuing a degree in Accounting and Auditing.

UI

Universidad del Istmo

Licenciatura en Derecho y Ciencias Políticas, Law and Political Science

Currently pursuing a degree in Law and Political Science.

AS

ADEN International Business School

Maestría en Big Data & Business Analytics, Big Data and Business Analytics

Completed a Master's in Big Data and Business Analytics with a double degree from EUNCET Business School in January 2025.

TU

The George Washington University

Especialización en Big Data y Business Analytics, Big Data and Business Analytics

Completed a specialization in Big Data and Business Analytics in August 2023.

UA

Universidad Santa María La Antigua

Licenciatura en Ingeniería Industrial y Administrativa, Industrial Engineering and Administration

Grade: Cum Laude

Graduated Cum Laude with a degree in Industrial and Administrative Engineering in May 2022.

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