ARIEL LOUIE F. CLAVERIA
Cainta
Summary
Results-oriented risk management and data analytics professional with over 10 years of experience in portfolio optimization, credit risk mitigation, and data-driven decision-making. Expertise in Python, SAS, SQL, and data automation to deliver actionable insights and improve operational efficiency. Skilled in managing cross-functional teams, leading risk management strategies, and ensuring regulatory compliance. Proven success in performing Expected Credit Loss (ECL) calculations, stress testing, and automating reports to support business objectives. Strong leadership abilities, with a focus on collaboration, team development, and process improvement.
Overview
11
11
years of professional experience
Work History
Credit and Risk Analytics Head
East West Banking Corporation
04.2023 - Current
- Conducted in-depth analyses of consumer and corporate loan products to guide risk mitigation and enhance portfolio performance.
- Collaborated with cross-functional teams (Credit Risk, Finance, Corporate Planning, Loans, and Collections) to develop and execute risk management strategies.
- Performed Expected Credit Loss (ECL) calculations and analyzed risk mitigation approaches.
- Automated and delivered management and regulatory reports using Python within Databricks, providing timely, data-driven insights for senior leadership.
- Tested and validated scorecard models, implementing improvements to strengthen credit risk assessments.
- Provided mentorship and guidance to team members, promoting professional development and fostering a culture of continuous improvement.
Retail Credit Planning and Measurement Manager
CTBC Bank (Philippines) Corp.
09.2020 - 03.2023
- Provided strategic recommendations on loan portfolio performance, quality control, and risk mitigation
- Conducted analysis and generated reports on portfolio performance and segmentation for management
- Proposed credit policy changes based on data-driven insights
- Identified high-risk segments and developed strategies to mitigate credit risk
- Led the development of Expected Credit Loss (ECL) models and conducted stress testing for the retail loan portfolio
- Managed budgeting and forecasting for credit risk metrics (e.g., provisions, flow rates, write-offs, delinquency)
- Utilized tools such as Microsoft SQL, Excel, Access, and SAS to streamline reporting and improve decision-making
Business Intelligence and Data Analytics Lead
Coca-Cola Bottlers Business Services, Inc.
11.2019 - 09.2020
- Developed data analysis processes and reporting frameworks to support operational and strategic decisions
- Provided actionable insights for management to drive business decisions
- Applied statistical techniques to analyze complex data sets and generate business reports
- Led the development of databases, data collection systems, and automated reporting tools
- Created dashboards and visualizations to enhance business intelligence and decision-making
Portfolio Risk Analyst
RCBC Savings Bank Corporation
04.2016 - 11.2019
- Analyzed loan portfolio performance and provided recommendations to the Credit Committee
- Developed and maintained the Credit Risk Independent Database for improved data management
- Mitigated credit risk by identifying high-risk borrower segments and supporting collections efforts
- Monitored credit concentration risk and developed the Expected Credit Loss (ECL) computation process
- Delivered detailed reports and insights to support executive decision-making
Information Management Associate
CTBC Bank (Philippines) Corp.
06.2014 - 04.2016
- Delivered business solutions for ad-hoc reporting requests and streamlined MIS generation
- Managed process improvements for various departments using Microsoft Excel and Access
- Automated reports using Microsoft SQL to enhance reporting efficiency
- Held key roles as a Business Area Requirements Analyst, Data Steward, Data Access Analyst/Trainer, and Tester
Education
Master in Business Analytics -
Mapua University
03.2025
Bachelor of Science - Financial Management
San Beda College
Mendiola, Manila01.2014
Bachelor of Science - Civil Engineering
De La Salle University
01.2010
Skills
- Programming (Python, SAS, SQL)
- Automation & Report Automation
- Microsoft SQL, Excel, Access
- Database Management
- Data Analysis & Interpretation
Technical Skills:
Analytical & Risk Management Skills:
- Risk Management & Mitigation
- Critical Thinking & Problem Solving
- Team Leadership & Collaboration
- Project Management & Execution
- Problem Resolution
Leadership & Project Management:
Languages
English
Filipino
Personal Information
- Age: 32
- Date of Birth: 08/09/92
- Marital Status: Married
Timeline
Credit and Risk Analytics Head
East West Banking Corporation
04.2023 - Current
Retail Credit Planning and Measurement Manager
CTBC Bank (Philippines) Corp.
09.2020 - 03.2023
Business Intelligence and Data Analytics Lead
Coca-Cola Bottlers Business Services, Inc.
11.2019 - 09.2020
Portfolio Risk Analyst
RCBC Savings Bank Corporation
04.2016 - 11.2019
Information Management Associate
CTBC Bank (Philippines) Corp.
06.2014 - 04.2016
Bachelor of Science - Financial Management
San Beda College
Bachelor of Science - Civil Engineering
De La Salle University
Master in Business Analytics -
Mapua University
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