Open to opportunities

Randi Villaverde

@randivillaverde

Director-level portfolio risk and credit strategy leader improving client retention, collections, and compliance through data-driven playbooks.

United States

Message

What I'm looking for

I’m looking to lead portfolio risk and credit strategy while owning client success and retention—reducing delinquencies and accelerating turnaround—using compliance-first frameworks and data-driven playbooks.

I’m a portfolio risk and strategy leader with 14+ years in fintech and alternative lending, focused on designing and standardizing credit and collections frameworks that balance growth and risk while ensuring compliance. I’ve built playbooks that turn data into measurable outcomes across client onboarding, activation, retention, and portfolio health.

Most recently as a Portfolio Risk Manager (Client Success & Portfolio Health), I owned full client success and portfolio oversight for a multimillion-dollar book of business. I cut overdue balances by 80% ($500k → $100k) by building targeted credit strategy and standardizing client follow-up processes through a SaaS fee-collection playbook.

In prior roles—including Manager and Senior Manager positions—I led cross-functional process standardization across credit, legal, and analytics to strengthen risk controls and improve operational efficiency. I also cut funding turnaround by 50% through operational improvements, and I negotiated contracts, renewals, workouts, and recovered assets to protect revenue and reduce net losses.

I’m client-first and bilingual (English & Spanish), comfortable engaging stakeholders and mentoring analysts in customer-first strategies. From onboarding 30+ clients into new financial products to leading a 14-person team, I bring leadership capabilities that improve performance, tighten exposure limits, and prevent charge-offs through disciplined, data-driven reporting.

Experience

Work history, roles, and key accomplishments

Portfolio Risk Manager

Silo

Oct 2023 - Aug 2025 (1 year 10 months)

Owned client success and portfolio oversight for a multimillion-dollar factoring portfolio, balancing growth with proactive onboarding, engagement, and retention. Cut overdue balances by 80% ($500k → $100k) by building a targeted credit strategy and standardizing follow-up processes, and led credit/fraud assessments to prevent charge-offs.

Portfolio Risk Management Credit Strategy Client Onboarding Playbook Development Contract Negotiation

Client Success & Portfolio Manager

Marco

Sep 2021 - Jul 2023 (1 year 10 months)

Directed client success and portfolio oversight across factoring, trade finance, PO finance, and ABL, standardizing processes to strengthen risk controls and improve operational efficiency. Boosted renewals and retention, standardized SOPs across credit/legal/analytics, negotiated contracts and renewals, and cut funding turnaround by 50%.

Client Success Credit Strategy SOP Development Cross Functional Collaboration Renewals Process Improvement Risk & Controls Analytics Reporting

Senior Manager, Client Success

Brevet Capital

Jul 2019 - Sep 2021 (2 years 2 months)

Managed client onboarding, activation, and ongoing support for an independent factoring firm while safeguarding portfolio health and minimizing delinquency. Onboarded 30+ clients into new financial products with an emphasis on smooth adoption and compliance.

Client Onboarding Portfolio Management Customer Activation Compliance Support Credit Country Risk Awareness Stakeholder Management Portfolio Health Monitoring

Product Lead, Freight Broker Segment

Ecapital

Jan 2018 - Jan 2019 (1 year)

Led client success and risk oversight for transportation and logistics factoring products, progressing through account management, operations, and product leadership. Partnered with 100+ freight clients to ensure smooth funding, compliance, and engagement while aligning portfolio health and risk analysis to client needs.

Product Leadership Client Engagement Portfolio Health Monitoring Risk Analysis Credit & Compliance Freight Logistics Banking Stakeholder Management Funding Process Oversight

Operations Supervisor, Client Success

Ecapital

Jan 2015 - Jan 2018 (3 years)

Supervised client success operations for a national factoring and working capital provider, focusing on portfolio health, collections, and risk analysis for 100+ clients. Led and coached a 14-person team and redesigned workflows that halved funding turnaround and improved retention.

Team Leadership Client Success Operations Collections Management Risk Analysis Retention Strategy Performance Coaching

Senior Account Manager, Client Success

Ecapital

Jan 2011 - Jan 2015 (4 years)

Managed client engagement and portfolio health for 100+ transportation and logistics accounts, driving onboarding and recurring portfolio reviews. Reduced delinquency risk through proactive, tailored client outreach and ongoing relationship management.

Account Management Client Onboarding Portfolio Review Risk Monitoring Customer Relationship Management Onboarding