Gisela Salvo

2019 - Present

• Responsible for managing loan impairment (LI) forecast for Wealth and Retail Credit Risk.
• Coordinate Corporate Plan process and forecast cycle for Wealth and Retail Credit Risk.
• Responsible for tracking expenses and cost forecasts.
• Provide loan impairment and cost inputs for country committee.
• Ensure timely submission of loan impairment to Group Risk. Collaborate with Collections and Credit Risk Management for inputs and feedback.
• Prepare detailed commentaries for latest forecast versus budget, highlighting key insights and variances.
• Conduct gap analysis between current loan impairment process and Group's policy.
• Lead preparation of evidence of compliance for BCBS 239.
• Extract credit data using SAS.

2014 - 2019

• Supported Collections operations and Credit Risk by furnishing data requests and developing new reports as per requirement.
• Utilized data from diverse sources to develop integrated views, empowering data-driven decision-making processes.
• Performed segmentation analysis and data-driven analysis using SAS to formulate new strategies for Collections team.
• Managed successful migration of Collections reports to offshore team, ensuring seamless handover and overseeing report preparation for several months.
• Ensured all appropriate MIS were generated accurately and within timelines to support activities: monitoring credit quality, and early identification of problem areas.
• Automated BAU reports, saving man-hours and allowing for more focus on ad-hoc requests.
• Ensured data integrity by implementing maker-checker process for reports, reducing errors impacting customers.
• Managed generation of credit data marts for cards and loans which were used to generate credit reports.
• Coordinated with multiple countries on retail data for IFRS9 project, ensuring accurate ECL model implementation.
• Participated in UAT for Retail Loan System enhancement, contributing to successful delivery.

• Ensured timely and accurate submission of department's daily and monthly reporting of portfolio and credit loss performance to management
• Tracked and analyzed portfolio performances to track the efficiency and effectiveness of collections strategies
• Collaborated with team supervisors to analyze portfolio segmentation shifts, leading to improved decision-making processes.

• Supported the UAT process for Microstrategy, ensuring smooth testing and implementation
• Translated business requirements into SAS programs to test the reports in Microstrategy
• Collaborated with project managers to define project requirements, resulting in the successful and timely delivery of multiple projects
• Collaborated with technology team to improve data availability, access, and report logic, accelerating defect resolution process
• Provided technical support to web report users, investigating and resolving issues related to data, logic, or application, ensuring minimal downtime and high user satisfaction
• Generated customized reports for senior management, meeting specific user requirements, improving decision-making processes.

• Developed SAS programs to automate data processing based on business requirements
• Provided support in producing technical specification of the project
• Performed testing on SAS programs developed.

• Developed and enhanced SAS programs to generate reports for Collections MIS
• Monitored the performance of the risk mitigation programs of the credit card portfolio
• Generated credit card inventory and flow rates
• Ensured low delinquency rate by providing timely and accurate MIS
• Worked with Collections management to track the performance of collections strategies.

• Prepared questionnaires/survey forms
• Performed one-on-one/in-depth interviews to gather data for small-scale studies
• Prepared data structures and report formats
• Gathered competitive product/market information, resulting in draft reports that met established formats
• Encoded the data and run analysis using SPSS (Statistical Package for the Social Sciences).

• Developed accurate price tracking reports for agricultural commodities, enabling informed decision-making
• Provided agriculture price trend analysis.