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Diego Fernández CastilloDF

Diego Fernández Castillo

Risk Management Specialist

€550/day
Madrid, ES
8-15 years
Internal Audits
Implementation
Fraud detection
Policy Analysis
Model Validation

Average response time: 1 hour

Freelancer profile translated to English.
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About Diego

I help banks, fintechs, and leasing/rental companies ensure their credit scoring models and approval flows work correctly before they go into production.
With 8 years of experience in credit risk within the mobility sector (rental/leasing), I specialize in independent validation of scoring models (second line of defense) and quality control of automated decision flows — a critical and regulated function in banking, increasingly demanded also in fintech.
I can help you with:

Validation and testing of credit scoring models before their go-live
Design of risk policies by segment (B2C/B2B), aligned with risk appetite and regulations
Implementation of KRI monitoring systems for early detection of delinquency
Originating fraud detection (First Payment Default)

"custom scorecard design" (rental, supplier non-payment, B2B customer scoring) as a service line derived from your model validation in banking

  • Spanish

    Native or bilingual

  • English

    Fluent

  • Italian

    Conversational

  • French

    Basic

Can work on-site
Madrid (up to 50km)

Experience

  • Ayvens
    Risk Management Specialist
    October 2022 - Today (3 years and 9 months)
    Majadahonda, MD, Spain
    Comprehensive assessment of Credit Risk for corporate (B2B) and individual clients, ensuring solvency in leasing and rental operations.

    and minimizing operational risk.
    Financial Analysis Portfolio Management Fraud Prevention Credit scoring AI and Advanced Analytics
  • Bipi
    International Risk Analyst & Coordinator
    September 2019 - September 2022 (3 years)
    Madrid, Spain
    Credit Scoring & Data Modeling: Construction and validation of predictive scoring models. Development of databases to optimize digital onboarding of B2C/B2B clients and reduce commercial friction without compromising security.

    Team Mentoring: Training and continuous development of new analysts, ensuring the transfer of technical and operational knowledge to the team.
  • Bridgestone Hispania S.A.
    Accounting Assistant | Finance Department
    June 2019 - September 2019 (3 months)
    San Sebastián de los Reyes, MD, Spain
    Compliance and Document Management: Organization and digitization of sensitive financial documentation to ensure traceability of operations and compliance with the multinational's internal audit standards.
Check out Diego's experience

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Education

  • The New Age of Risk Management Strategy for Business
    The New Age of Risk Management Strategy for Business
  • Forward Program Automated Financial Reporting with AI Privacy and Compliance in the Age of GenAI: Data Governance, Classification, and Inventory AI in Financial Forecasting
    McKinsey.org
    Forward Program Automated Financial Reporting with AI Privacy and Compliance in the Age of GenAI: Data Governance, Classification, and Inventory AI in Financial Forecasting
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