Victor Daniel Jimenez Piñango

Preparing Microsoft PL-300 by building financial dashboard prototypes on personal NPL portfolio data, including segmentation and ageing for recovery insights. Applying Azure and AI agents to automate analysis and reporting workflows.

Led analysis and management of multi-segment bank NPL portfolios (0–720+ DPD), producing KPI dashboards, ageing frameworks, and monthly variance reporting escalated to bank committees. Built an Excel/VBA segmentation model adopted as the team standard, and achieved #1 in Valencia (2024) and Top 2 nationwide (2025) with 260% target achievement while managing €4–6M monthly exposure across 500–600 ca

Managed outsourced bank debt recovery portfolios fully remote for Banco Santander, Banco Sabadell, and Blackwell institutional portfolio, maintaining 100% metrics compliance. Achieved maximum monthly targets in 80%+ of months on the Sabadell portfolio (ranked #2 nationally) and was selected to launch the Blackwell strategic pilot.

Owned P&L responsibilities including forecasting, budgeting, pricing, and cost control, while leading sales and operations and managing key client/supplier negotiations. Produced cash-flow projections, handled bank financing and payments (suppliers, taxes, payroll), and prepared accounting information for audits.

Managed purchasing and financial controls, including negotiations with national retail chains, sales reporting, and inventory control for management. Oversaw cash-flow projections, bank credit-line management, tax payments, and audit-ready accounting preparation.

Conducted liquidity gap analysis, VaR calculations, and 3-year projections of assets and liabilities in a regulated banking environment. Automated credit portfolio collection processes using large databases and delivered monthly risk indicator reconciliations and executive reporting for senior leadership.

Completed an MBA at ENEB (European Business School of Barcelona) in Spain from 2021 to 2022.

Earned a Bachelor's degree in Business Administration with a Finance major at Universidad Nacional Experimental Simón Rodríguez in Venezuela from 2005 to 2010.