Summary
Joel Espinosa is a data strategy and analytics leader with 13 years of experience applying mathematics and data science to financial risk, customer analytics, and big data solutions across insurance, banking, and consumer brands. Currently leading data strategy at MAS Seguros, he builds governance frameworks, KPI systems, and predictive pricing models that turn customer segmentation and profitability analysis into measurable business outcomes. He previously delivered end-to-end credit risk and personalization models at Banorte and applied PySpark/Databricks-led customer insights at L’Oréal, combining technical fluency with commercial storytelling. An entrepreneurial thinker who served as CMO of a metaverse crowdfunding startup and mentor to early-stage founders, he blends product instincts with rigorous analytics and a hands-on engineering background from Tecnológico de Monterrey. Notably, his experience spans both vehicle dynamics engineering in Formula Student and large-scale data platform work, reflecting a rare mix of systems thinking, experimentation, and cross-disciplinary leadership.
13 years of coding experience
1 year of employment as a software developer
Bachelor of Applied Science - BASc Ciencias de datos, Bachelor of Applied Science - BASc Ciencias de datos at Tecnológico de Monterrey
R for Data Science ciencia de datos, R for Data Science ciencia de datos at Cognitive Class
Global shared learning International/Global Studies, Global shared learning International/Global Studies at Pontificia Universidad Católica del Perú
curso Procesamiento de datos, curso Procesamiento de datos at Clasefix
Data science ciencia de datos, Data science ciencia de datos at Crystal talent solutions
curso Fundamentos de la programación, curso Fundamentos de la programación at Udemy Alumni
Diploma of Education Matemáticas, Diploma of Education Matemáticas at CONAMAT