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Renzo Maldonado

@renzomaldonado

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Senior risk & process consultant turning complex requirements into clear controls and models.

Peru

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What I'm looking for

I’m looking to lead end-to-end risk, BPM, and automation projects—building controls, stress testing, and valuation models that reduce exposure and cut process time, ideally in regulated financial environments with measurable impact.

I help companies organize their operations, control risk, and meet regulatory obligations—turning complex requirements into clear processes, models and controls. With 8+ years in risk management across the financial system, I lead projects end to end—from process design to the implementation of models and controls.

My experience spans banking, pension funds, insurance and corporates: building risk frameworks, running stress testing, and improving methodologies. I design enterprise-risk controls across processes, present risk matrices to executive committees, and coordinate stakeholders to deliver action plans.

I’m especially focused on automation and analytics—cutting process times by up to 80% using Python and building tooling for validation, reporting, and dashboards. Recent outcomes include preventing exposures exceeding USD 8M per year with cost-neutral control design, and using credit-risk analysis and IFRS 9 / ECL approaches to reduce provisions.

Experience

Work history, roles, and key accomplishments

Current

Senior Market & Liquidity Risk Analyst

Current

AFP Habitat

Jan 2025 - Present (1 year 5 months)

Protected fund profitability by identifying devaluation risk instruments and managing ~USD 15M in forward rollovers for hedging to support top-performing returns. Reduced operational risk and process time by 80% through Python automation, and led collateral-management module development while overseeing limits, valuation, VaR, and Risk Committee reporting.

Python Collateral Management Investment Limits Value At Risk (VaR)Risk Committee Reporting

Current

Senior Risk & Process Consultant

Current

Alicorp

Jan 2025 - Present (1 year 5 months)

Identified enterprise risks and designed controls that prevented exposures exceeding USD 8M per year across 12 Finance, Commercial, and HR processes. Built risk matrices and process maps, reducing fraud/operational-risk exposure with dual-approval and segregation-of-duties controls, and presented cost-neutral controls to the Risk Committee.

Enterprise Risk Management Risk & Controls Risk And Control Matrices Process Mapping PMO Risk Committee Reporting

Current

Independent Risk & Finance Consultant

Current

Self-Employed

Jan 2017 - Present (9 years 5 months)

Advised SMEs, corporates, and investors on risk frameworks, financial modeling, valuation, projections, and investment structuring decisions, including M&A and buy-side analysis with scenario and due-diligence support. Designed BPM controls and KPI dashboards, delivered Python/SQL analytics and automation, and trained client teams on finance and data tooling.

Risk Frameworks Financial Modeling Due Diligence KPIs Client Training

Senior Market & Liquidity Risk Analyst

Banco Pichincha

Jan 2021 - Jan 2024 (3 years)

Proposed incorporating concentration-risk limits into the bank’s risk appetite and tolerance framework. Reduced manual record-keeping by 80% and validation times by 70% by implementing metric-validation tools (Python/SQL), developed improved IRRBB methodology, and performed scenario and stress testing for liquidity and balance-sheet impacts.

Concentration Risk Limits IRRBB Liquidity Ratios (LCR NSFR)ALCO GIR Reporting

Investment Risk Analyst

Protecta Security

Jan 2018 - Jan 2021 (3 years)

Anticipated portfolio impairment to prevent ~USD 4M in provisions through credit-risk analysis. Implemented the SBS-mandated ASA cash-flow model, supervised investment limits and portfolio construction, calculated market/liquidity/credit metrics, and automated reporting with Excel VBA, R, and Python.

Credit Risk Analysis ASA Cash Flow Model Asset Allocation Investment Limits Liquidity Market Credit Metrics R Python

Credit & Investment Risk Analyst

Pacifico Seguros

Jan 2021 - Present (5 years 5 months)

Implemented a real-estate portfolio dashboard in Power BI and reduced manual record-keeping by 50% through automated information extraction. Performed due diligence and IFRS 9 expected credit loss (ECL) calculations, validated concentration-risk reporting, and coordinated risk committee inputs and board minutes.

Credit Risk Analysis Power BI Financial Due Diligence IFRS 9