Raul Ortega is a bilingual credit risk leader with over 30 years of experience designing and executing retail credit strategies across the U.S., Mexico, and LATAM for organizations including USAA, Citi, Dell, and Mercury Financial. He specializes in account management, portfolio optimization, and decision engine governance鈥攎anaging TRIAD and PowerCurve deployments while driving profitability analytics with SAS, SQL and Python. A hands-on people leader, Raul has built cross-functional risk teams and led enterprise data and policy transformations that modernized risk infrastructure and improved controls. His background in survey research and large-scale statistical processing adds a nuanced, data-driven edge to conventional credit risk work, and he brings practical experience from both public sector management and fintech operations. Currently based in San Antonio, he continues consulting on credit strategy and automation while expanding his language skills and technical breadth.
11 years of coding experience
19 years of employment as a software developer
MPA, Public Administration, MPA, Public Administration at The University of Texas at El Paso
Bachelors, Public Administration, Political Science, Bachelors, Public Administration, Political Science at Universidad Aut贸noma de Chihuahua
English, Spanish, Portuguese, French, Italian, German
Contributions:26 pushes, 1 branch in 1 year 2 months
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Raul Ortega - Credit Risk Manager Consultant at Freelance