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Rosmer Ruiz

@rosmerruiz

Risk and Modeling leader at Marubeni Auto Finance Ltda. who automated over 80% of enterprise risk reports with SQL, Python, and Power BI.

Canada

Message

At Marubeni Auto Finance Ltda., I automated over 80% of enterprise risk management reports using SQL, Python, and Power BI, reducing update cycles from four days to four hours. I also implemented a centralized Data Warehouse that unified more than five data sources and cut critical reporting turnaround time by 50%.

I managed IFRS 9 provision model updates and designed, tested, and deployed credit scoring models. Earlier, I analyzed credit portfolios at Marubeni Auto Finance Ltda. and conducted customer cluster analysis and KPI work at Banesco Banco Universal.

Experience

Work history, roles, and key accomplishments

Head of Risk and Modeling

Marubeni Auto Finance Ltda.

Jul 2021 - Sep 2025 (4 years 2 months)

Automated over 80% of enterprise risk management reports using SQL, Python, and PowerBI, optimizing update cycles from 4 days to 4 hours. Managed IFRS 9 provision models, deployed credit scoring models, and led implementation of a centralized Data Warehouse.

SQL Python Power BI Data Warehouse IFRS 9 Credit Scoring Risk Management Data Mining Financial Valuation

Risk and Modeling Analyst

Marubeni Auto Finance Ltda.

Sep 2017 - Jun 2021 (3 years 9 months)

Monitored credit evaluation workflows and analyzed portfolio health across 10,000+ active accounts. Calculated discount rates, generated executive reports, and managed salesforce incentive calculations.

SQL Excel Credit Analysis Portfolio Management Regulatory Reporting Data Analysis

Market Research Specialist

Banesco Banco Universal

Aug 2015 - Apr 2016 (8 months)

Conducted cluster analysis to segment customer base and developed core KPIs and brand valuation metrics. Oversaw Net Promoter Score computation and feedback loops.

Cluster Analysis KPI development Brand Valuation NPS Customer Segmentation