Pamela vargas
@pamelavargas
I lead credit risk portfolios, automation, and data-driven governance for commercial finance.
Costa RicaWhat I'm looking for
At World Fuel Services, I lead credit risk for a retail portfolio of approximately 3,385 dealer accounts generating $62 million in annual gross profit. I manage evaluations, approvals, payment terms, credit limits, letters of credit, and strategic account oversight.
I’ve improved credit operations by formalizing monitoring for high-risk accounts, enhancing credit review tools, and introducing AI and automation that reduced manual escalations by 70%.
I build Power BI dashboards and data-driven tools that help Commercial leadership make faster decisions, reducing reporting preparation time by 90%. I’ve also partnered with IT and Finance on data migrations that improved accuracy and reduced manual reconciliation by 80% without disrupting portfolio operations.
Across World Fuel Services, Bank of America, Intel, and Fujitsu Consulting, I’ve combined credit, finance, customer service, and IT experience. I enjoy mentoring teams, building practical governance frameworks, and creating processes that make risk management clearer and more efficient.
Experience
Work history, roles, and key accomplishments
Regional Lead, Credit & Risk
World Fuel Services
Feb 2023 - May 2026 (3 years 3 months)
Led credit risk management for a retail portfolio of ~3,385 dealer accounts with annual GP of $62 million, driving operational efficiency, governance alignment, and strategic account oversight. Managed dealer credit portfolio, approved new customers, renewals, and changes in payment terms, and developed SOPs and governance frameworks.
Dealer Credit Analyst
World Fuel Services
Sep 2021 - Feb 2023 (1 year 5 months)
Approved new customers, renewals, and dealer station flips. Authorized fuel load orders on credit hold, addressed accounts with payment issues, and managed security requests.
Credit Analyst
World Fuel Services
Nov 2019 - Sep 2021 (1 year 10 months)
Authorized fuel orders and approved new customer applications. Utilized Experian, Moody's, and S&P for credit risk assessments and managed the portfolio across three different systems.
FinOps Coordinator II
World Fuel Services
Jan 2016 - Dec 2019 (3 years 11 months)
Coordinated financial operations tasks.
Billing Coordinator Jr.
World Fuel Services
Jan 2015 - Dec 2016 (1 year 11 months)
Handled billing coordination duties.
Provided customer service support.
Specialized in treasury services and loan counseling.
Provided IT support services.
Customer Service Back Office Representative
Jan 2006 - Dec 2008 (2 years 11 months)
Handled back office customer service tasks.
Education
Degrees, certifications, and relevant coursework
Fundepos
Bachelor's degree, Business Management
Pursuing a Bachelor's degree in Business Management.
CENECOOP
Certificate, Finance
Completed coursework in Financial Statement Analysis and Project Formulation & Evaluation.
Fundepos
Associate degree, Business Management
Earned an Associate degree in Business Management.
UNED
Certificate, Information Technology
Completed coursework in Advanced Excel and HTML Intermediate.
Tech stack
Software and tools used professionally
Availability
Location
Costa RicaAuthorized to work in
Job categories
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