Felix Lombao Ramos

Independent Risk Consultant with special focus in Portfolio Analysis. Analysis of Portfolios sold by Spanish and foreign banks and Financial Institutions. Project Anfora (BBVA), Project Lira, Project Domivest (The Netherlands), Project Jupiter (United Kingdom) Analysis of Different Servicers in Spain, Portugal, Italy and Switzerland to assess portfolio management.

Financial Analyst - Strategy Leader reporting to Country Manager Arvato Financial Solutions (AFS) is part of Bertelsmann Group (www.bertelsmann.com) and it is focused in Third Party Debt Collection and manage its own portfolios. Establish a scoring system of the current portfolios to maximize the amount recovered, dealing with different accounts. Use of R and interact with SQL. Create reports and dashboards for every Team Leader in the company using Power Bi to control and manage the recovery process. Devise different strategies depending on the portfolio characteristics and debtor’s type to maximize the recovery and speed the process up. Create a Spanish geographical division based on economic and financial dataset. Analysis of different portfolios to be purchased: Portfolio ONS (Abanca), Porfolio Galdana (Unicaja), Caixabank Consumer Finance (Consumer y Telco Portfolios), Portfolio Sochi (Banco de Santander). Portfolio Milan (Carrefour Financial Services) Analysis of Collection Companies: Financial Analysis of Collection Companies that were targeted as potential acquisition by Arvato Financial Solutions. Member of the Board of Directors. Full Responsibility over P&L account.

Team Manager reporting to Project Manager. I supervise a team of 4 people. Situs is an American company specialized in making independent reviews and analysis of loan portfolios, debt receivables and third party suppliers in the financial services sector. Assessment of NPL Portfolios to sell. Data analysis and verification of portfolios and data bases. Documentation check. Secured and Unsecured portfolios. Report of findings. Report sent to our customer providing a summary of all the information found in our assessment. Q&A sessions. Discussion with the customer about our report to reach a final price. Selected list of banks: Banco de Santander, Lico Leasing, BBVA, General Electric Consumer Portugal, Santander Consumer Finance, Celeris, Barclays Bank Spain, General Electric Consumer Portugal, Banco Totta y Açores, General Electric Bank France, Monte Paschi Siena. Servicer Review (TDX) for Deutsche Bank regarding Somo and Saturn Portfolios