Portfolio strategy
Risk Segmentation and Lending Mix
Risk segmentation used to reshape the disbursement mix of a credit portfolio in Peru, with differentiated models by segment.
~US$5Mcredit portfolio capital managed, with positive profitability
The problem
A single approval policy treats very different customers the same way. The portfolio needed to grow where risk was low and stay protected where delinquency was high.
My role
I manage the credit portfolio in Peru, with about US$5 million in capital, achieving positive profitability.
Approach
- Risk segmentation analysis to reconfigure the disbursement mix.
- Higher approval in the lowest-delinquency segment and tighter restrictions in the highest-delinquency segment.
- Differentiated models by segment.
- Portfolio, risk, placement, and profitability analysis, with forecasting and scenario evaluation to support credit strategy decisions.
Conceptual representation. Data, thresholds, and internal policies are intentionally omitted.