Francisco Muñoz
Principal @Insight Financial Consulting, Llc
Signup · Get unlimited contacts
WORK HISTORY
Principal @Insight Financial Consulting, Llc
Principal at IFCO, a consulting firm that partners with financial institutions, fintechs, and alternative lenders to define and strengthen their risk appetite frameworks. I lead both strategy and execution, helping clients build credit portfolios that are predictable, profitable, and resilient—leveraging decades of experience, applied machine learning, and advanced information management tools.We are currently expanding IFCO’s scope beyond the highest standards of risk management and credit administration to include the application of agent-based solutions that enhance decision-making and optimize the full credit lifecycle—from origination to collections—across credit cards, personal loans, revolving lines, auto, mortgages, SME lending, and credit to independent (non-salaried) individuals.In addition to strategic advisory, IFCO provides hands-on support to client teams—through staff training, complementary expertise, and temporary staff augmentation. This “plug-and-play” approach allows organizations to quickly strengthen execution while building internal capabilities for the long term.With a presence in the U.S. and Latin America, IFCO equips institutions with rigorous methodologies, robust policies, and proven execution frameworks to strengthen performance, improve productivity, and drive sustainable growth.
EDUCATION
Universidad de Los Andes
M. Sc. Industrial Engineering, Operation Research, Finance, Industrial Organization
Universidad de Los Andes
B. Sc. in Industrial Engineering, Operation Research, Finance, Industrial Organization
SKILLS
ABOUT FRANCISCO MUÑOZ
I am a Financial Services Executive, Principal and Co Founder of Insight Financial Consulting (IFCO), a firm that partners with banks, fintechs, and alternative lenders to define and strengthen risk appetite frameworks, credit policies, and portfolio strategies. At IFCO, I combine decades of corporate leadership with advanced analytics, machine learning, and hands-on execution to help clients build credit portfolios that are predictable, profitable, and resilient.Previously, I led regional credit risk and portfolio management at Citi, overseeing multi-billion-dollar portfolios across Latin America. Throughout my career, I have built and mentored high-performing teams, launched predictive analytics units, and shaped strategies across origination, collections, and loss forecasting.Core strengths- Credit risk & policy design across cards, personal loans, mortgages, SMEs, and new customer segments- Predictive modeling & advanced MIS to transform data into actionable insights- Collections strategy & profitability optimization, including CCAR and Basel compliance- Leadership & mentoring, ensuring teams thrive in complex, high-growth environments.I was honored to be selected for the Citigroup ACCEL Leadership Program, an elite recognition granted to only 10 executives worldwide for performance, drive, and leadership potential.Curious, flexible, and dynamic, I thrive on challenges that demand strategic thinking, innovation, and execution, bringing measurable impact to clients while continuing to grow as a leader.
This profile is compiled from publicly available professional sources. Unifers is not affiliated with or endorsed by LinkedIn. Request removal of this profile.