Ricardo Henzler

Leading both the Corporate and Investment Bankand, and the SME credit risk management teams in Iberia

Successfully leading the credit risk teams for Corporates, SMEs, Wealth Management and Retail Banking portfolios; driving initiatives to optimize profitability on capital demand, reducing weaker risk exposures, and improving underwriting efficiency

Defining the credit risk appetite for retail and wholesale portfolios for the entire credit life cycle; developing origination strategies and policies, whilst defining new products and eligibility criteria Managing credit risk, process and infrastructure for all products and channels in the Spanish portfolio, encompassing retail banking, SMEs, and large companies Reviewing, maintaining and implementing portfolio and collection strategy policies

Coordinating credit cycles in countries including Italy, Spain, Poland, Portugal, China and India Reviewing and approving credit policies and processes and designing/implementing a global MIS and reporting process for new/existing products and programs with a risk-reward approach Controlling budgets, risk cost and portfolio performance, whilst redefining and implementing a global product program review

Overseeing all aspects of the credit cycle: origination, portfolio analysis, quality assurance, policies & credit process functions in Credit Risk Management, combining both private and business clients Monitoring portfolio quality and performance and co-designing corrective actions with the business area Co-leading in the successful regulatory audit for Basel II’s Advance and IRB approach

Effectively co-ordinating a Retail and Commercial business risk review team to conduct holistic retail business reviews in major markets including credit, operational, compliance and fraud risk Leading the Asset Quality Review function in the South-Western Europe region, supervising a portfolio for both consumer and commercial lending products Ensuring adherence and compliance with both home and local banking regulatory authorities

Initiating and managing Corporate banking relationships in various industries including metals & mining, petrochemicals, soft commodities, among others. Strong focus on transactional and structured products.

Originating, structuring, underwriting and managing project finance/corporate transactions.

Class ranked 8th Global MBA full time program by Financial Times