Subdirector

Responsible of growth and managing collective insurance, through market intelligence strategies, implemented in conjunction with the company's International Pool. Supervising field practices with brokers, agents and direct clients.
This activity allows me to intervene in the monitoring of potential businesses through interaction with different areas, with the main objective of increasing sales, their retention, in addition to guaranteeing the excellence of our services and value offer. Currently I manage a portfolio of 1,060 million pesos.

Achievements:

• Promoting the development of my team and skills of each collaborator, I exceeded the sales goal at the end of 2019 with 178% compliance, by more than 190 MDP. In August 2020, we reached our annual sales goal, closing the indicator at 187%.
• I have ratified a margin of renewal for my portfolio of more than 97% since I arrived at the company in 2014.
• As the International Business responsible, I have jointly coordinated with Actuary and Legal areas, the updating of commercial contracts under the regulation established by Solvency II.
• I secured the acquisition of new businesses through the management in our International Pooling, giving an additional value over the international market offers.
• I exceeded the income of 85 MDP of new premiums during my first year in the company, and I exceeded the sales targets assigned since 2015 to date.
• The early monitoring of potential clients has allowed me to acquire new business for more than 90 MDP that have been with other insurers for more than 15 years.
• In 2015 I changed the negative profitability of the portfolio that was assigned to me in 2014, and that prior to my management reflected 3 years of loss. From 2016 to date it continues reporting positive profitability.
• I reopened lost business channels in different states of the country, getting new premiums through them and with effective results in less than 3 months.
• Through technical arguments, I achieved the acceptance of potential businesses rejected in the first instance by the subscription's national deputy direction, which are profitable to the date.
• As responsible of the company's employee policy and through a technical analysis of the benefits granted, I proposed a change in the scheme of the provision to the Executive Human Resources Direction, in April 2017 it began its implementation improving cost-benefit. 
• Leading and making use of the strengths of the operational areas, I developed conservation indicators and new businesses, through customer service and follow-up strategies after sales.

Simultaneous participation within the technical and commercial areas, auditing the congruence of the information reported by both areas for their monthly review with the General Direction.
Monthly audit of the progress in the agreed action plans to attend the observations derived from my review of operational processes in different areas.
Responsible for the technical and contractual review in the development of products with commercial and marketing areas, implementing once defined the strategy and expected results, training courses for agents, allowing them to have greater clarity on the products they offer, and that through the development of productivity indicators facilitated decisions from the Technical and Commercial Directions.

Achievements:

• I developed tools for monitoring the agents' portfolio, as well as the impact of their accident rate on the sales made, taking this benefit to the regional offices.
• Strong improvement in the rating given to the company by CONDUSEF, which was achieved through the timely response to its requirements.
• I optimized the monthly closures through a mapping of the process carried out by different areas, identifying unnecessary processes.
• Coordinating and implementing the methodology for the calculation of the risk reserves in progress, it was possible to avoid the imposition of new fines by the CNSF.

Responsible for the generation and review of the company's statistical information for decision making, and according to compliance with regulations regarding the calculation of reserves and development of technical notes.

The primary objective of this project, was to carry out the registration of the products operated at the time by the company through the CNSF, technically supporting their pricing methods, once analyzing the impact of the changes established by the CUSF.

Achievements:

• The company's products were registered on time and without observations before the CNSF.
• It was possible to develop our own methodology for the calculation of the reserves IBNR.
• Through the development of tools for monitoring production, new business, conservation and accident rate of the company's portfolio, I obtained the registration and approval of my professional exam.

Support to the leader in:

• Adaptation of the reforms to the Law on the Insurance Contract for group and collective products.
• Adaptation of the reforms to the Law on the Insurance Contract for group and collective products.
• Update of technical notes on health insurance for registration with the CNSF, focused on the population's morbidity.

The Business Management Specialty provides you with the knowledge and skills necessary to master the administrative process in high-level companies and organizations.

The Master of Business Administration with Orientation in Finance MBA provides you with knowledge, theoretical tools and specialized practices in broadening your global business approach and managing the financial resources of the organization with full efficiency, for the optimization of high-scale business processes.

Actuaries are professionals who study, pose, formulate and apply mathematical content models in order to provide information for planning, forecasting and decision making, and to solve economic and social problems that involve risks. They intervene in practically all fields of human endeavor, interacting with the professionals who work there.
They carry out an extremely diverse work mainly related to: insurance and benefit plans, demographics, finance, computing, administration, statistics, operations research, economics, teaching and research.