Resume (Curriculum Vitae) of Gino Winter

GINO WINTER                                                                                                  ginowinter@gmail.com                                                                                                                             

                                                                                                                              Phone: (786) 4748611

                                                                                                     

PROFILE

· Over 20 years of experience in management in the premier financial group of Peru, in the areas of Micro-Finance, Risk Management, Relationship Management, Personal Credit and Debt Collection.

· Led the optimization and standardization of the Personal Credit process with the Task Force 5 - Mac Kinsey consulting.

Special skills

· Native Spanish speaker, English speaker

· Strong organizer, communicator, coach and team leader with an established record of success in achieving goals and solvent interpersonal skills, to build strong cross-functional working relationships throughout the organization.

Experience

All Star Services Corporation        Key West, Florida - USA                                                 2008-2014 

 Temporary services company:  Assistant Manager                     

CARELI Travels and Tours Inc     Miami Spring, Florida - USA                                           2007-2008                                                       

 Tourism services: Administration Manager
MAG Sourcing SAC                       Lima - Perú                                                                      2003-2005         

 Textil Services: Director

FCP Financiera de Credito del Peru, SOLUCION, Lima - Peru

A subsidiary of Credicorp Ltd.-a Bermuda limited liability company that serves the Micro-Finance Sector, with 33 branches in the country. Was absorbed by BCP:

 National Risk Manager                                                                                                           2001-2003

· Provided overall leadership in coordination, implementation, maintenance of Consumer and Micro-Finance Banking risk management policies.

· Reduced delinquency indicators from 3 to 1.8%. Increased loans by 30%

· Increased Recovery indicators by 10% and improvement of Debt Collections systems by 30%

· Led projects of Scoring and Electronic Data Capture (Palm) for micro businesses

· Created Controller Risk Bureau

· Represented the company in international forums about Micro Business credit, Dominican Republic, and    Brasil, on behalf of the AID International, USA.

BCP Banco de Credito del Peru, Lima - Peru

A subsidiary of Credicorp Ltd., a Bermuda limited liability company with Foreign Branches in the United States, Panama and leader of the banking system in Perú:

Regional Risk Manager                                                                                                       1998-2001

· Provided overall leadership in coordination, implementation, and maintenance of Small Business underwriting policies.

· Responsible for the credit decisions of the Regional Business units

· Reduced level of bad debt 2%;

. Improve timeframe in loan evaluation (72 hours),

Manager, Personal Credit Services                                                                                      1996-1998

· Provided overall leadership in coordination, implementation, and maintenance of the company’s Consumer Business underwriting policies

· Responsible for the manual and automated massive evaluation of Personal Credit and Quality of the Portfolio

Manager, Credit and Collection Services                                                                              1993-1996

· Centralization and automation of the Consumer, Mortgage and Credit Card loans evaluation, through scoring systems.

· Control and recovery of Personal debt collection

Regional Manager, Lima                                                                                                        1991-1993

· Responsible for 18 branches and 300 employees

· Responsible for the administration of loans and human resources.

Manager, Business Decentralization Program, Lima                                                              1990-1991

Credit Manager, Personal and Small Business Banking                                                         1988-1990

· Active member of the creation of the Risk Management area in the company, in charge of the underwriting of the commercial loans

Regional Manager, Lima                                                                                                         1986-1988

Relationship Manager, Lima                                                                                                    1985-1986

Analyst, Commercial Lending                                                                                                 1983-1985

Work Missions

Río de Janeiro – Brasil Riocentro - Speaker, 5th International Congress of Micro-Finance           2002 Dominican Republic Banco Central – Speaker, 4th International Congress of the Micro-Finance 2001

La Paz – Bolivia Banco Sol – Internship                                                                                          2001

Indiana – USA Indianápolis - Car Loan Systems Analysis                                                              1999

Washington – USA Bank of Navy – Database Systems Analysis                                                    1999

Alabama – USA Birmingham – Consumer Credit Migration System Analysis                               1999

California – USA San Francisco-Analysis and acquisition of Automatic Scoring Systems

  of consumer loans and credit cards                                                                                                 1996

Arkansas – USA Little Rock – Analysis and course for operating Central Platform System for savings      and loans                                                                                                                                           1996

Buenos Aires Argentina Evaluation of Banking Investments,                                                         1995

Santiago de Chile, Chile Consumer Finance Business Analysis,                                                     1995

Banking Business and massive Debt Collection Analysis,                                                               1994

  20 Cities – Perú Credit Systems Trainer,                                                                                        1994

Honorifics

Lima Chamber of Commerce: Director,                                                                                1991-1993

Course for Business Executives, Banco de Credito del Peru Training Program: Professor, 1990-1993

Writer at cultural magazine SUBURBANO, Miami - USA,                                                 2012-2018                                  

Education

Universidad de Piura, Lima, Peru

-Business School: PAD Executive Program of High Direction, HHRR administration,                1994

-CAME: Administration for Middle-Level Executives,                                                                  1993

Universidad Nacional Mayor de San Marcos, Lima, Peru,                                                             1978

 -School of Industrial Engineering

INCAE, Nicaragua Micro Finance Management,                                                                            2001

The Institute of Canadian Bankers BANK-MOD - Banks Integral Management,                          1996

Visa International, USA Credit Cards Integral Management,                                                          1995 

IBM de Cuernavaca, Mexico Systems Administration,                                                                   1990

Universidad San Ignacio de Loyola, Peru Commercial Lending Analysis,                                     1984