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Sergio Ariza

@sergioariza

Risk and financial strategy advisor to fintechs and lenders, improving credit decision frameworks and aligning portfolio growth with financial sustainability.

Colombia

Message

I advise fintechs, startups, lending businesses, and financial institutions on risk, portfolio performance, and financial strategy. I help leadership teams strengthen credit decision frameworks and connect portfolio performance, profitability, risk dynamics, and growth priorities.

At Banco Falabella, I led credit and financial risk management, helping restore loan portfolio profitability and reduce NPLs from over 12% to under 5%. I also co-led capital and funding strategy that improved the Total Capital Ratio from 11% to 15% and raised NSFR from 85% to 115%.

Experience

Work history, roles, and key accomplishments

Current

Risk and Financial Strategy Advisor

Current

Independent

Jun 2026 - Present (4 months)

Advising fintechs, startups, and financial institutions on credit strategy, portfolio management, and risk governance. Leading financial and strategic diagnostics to inform capital allocation and investment readiness.

Credit Strategy Portfolio Management Risk Governance Financial Diagnosis Capital Allocation Strategic Advisory

Head of Credit and Financial Risk

Banco Falabella

Oct 2022 - Sep 2025 (2 years 11 months)

Led integrated management of credit and financial risks, driving loan portfolio recovery and reducing NPLs from >12% to <5%. Co-led strategy to improve capital and funding structure, raising Total Capital Ratio from 11% to 15%.

Credit Risk Financial Risk Portfolio Management NPL Reduction Capital Management ALM Data Infrastructure Client Representation Before Regulatory Entities

Head of Financial Risk

Banco Falabella

Jul 2018 - Sep 2022 (4 years 2 months)

Led the bank's Financial Risk Framework focusing on capital and liquidity planning, achieving +18% RAROC and capital adequacy above 14%. Designed capital allocation and funding strategies that supported a +60% increase in profits.

Financial Risk Capital Planning Liquidity Planning Performance Testing RAROC ALCO Basel III Client Representation Before Regulatory Entities

Market and Liquidity Risk Manager

Banco Falabella

Jan 2014 - Jul 2018 (4 years 6 months)

Managed market and liquidity risk across the bank and created the Market and Liquidity Risk Management Unit as an independent governance body. Supported ALCO decision-making and oversight.

Market Risk Liquidity Risk Risk Management ALCO Governance

Professional III - Investments Risk VP

Banco Davivienda

Jan 2015 - Nov 2015 (10 months)

Member of the risk team for the Treasury modernization project implementing Murex software, enabling expansion of derivative offerings with +60% growth in products.

Treasury Risk Murex Derivatives Risk Management