Leading the CCS’s Analytics team is Michelle, who believes that a credit score is one of the most powerful tools in providing quick assessment and objective risk measurement of a person’s creditworthiness.
Previously a Manager and Risk Analytics Officer of Bank of the Philippine Islands (BPI) and a Senior Risk Modeler of Banco de Oro (BDO), Michelle has over 12 years of experience in credit risk data, model development, model monitoring and implementation, analytics and the independent model validation of both retail and corporate portfolios.
She also holds a Bachelor of Science degree in Statistics from the University of the Philippines Diliman with units in Master in Business Administration from the same university.
An Information Technology professional with over 20 years of experience in business development, operations, project delivery, marketing and customer process improvement.
She was instrumental in building the business analytics market for Banking and Financial Services Industry and Public Sector for analytics software SAS Institute Inc where she spent 12 years. She was Director for Sales covering Philippines and the Pacific Region (Indonesia and Vietnam). Such experience enabled her to work closely with customer senior executives helping address issues on Risk Management for Credit, Regulatory Compliance for Basel 2, Anti Money Laundering and Customer Relationship Management.
Prior to joining CCS, Sawfin was Country General Manager of Thakral One (Phils), a Singaporean services company focused on providing banking services and analytics. She also held various project delivery roles for public sector projects such as the Department of Budget and Management (DBM) as senior consultant that led to the initial roll out of the Budget and Treasury Management System (BTMS). She also held a key IT position in global consulting firm Accenture based in Singapore.
Earlier, she worked with the Development Bank of the Philippines (DBP) and was with consumer giant Matsushita Electric Philippines Co.
Sawfin’s extensive experience provides a strategic advantage in driving the company’s growth direction to address the need of the banking and financial services industry as well as government regulators, leveraging the value of Credit Bureau Scores for various segments of the market.
At the helm of CCS’s IT team is another seasoned veteran. With over 38 years of extensive experience in Information and Communications Technology and Operations, Arnaldo has helped numerous government agencies and financial institutions with the development and implementation of sound and practical solutions that meet both the company and consumer’s needs.
His previous work experiences range from setting up and implementing the nation’s Credit Information Registry system, developing and implementing Information Systems Strategic Plans, Information Security Policies and Business Continuity Plans for government and private financial institutions, to setting up and implementing a local bank’s systems and technology infrastructure as its Chief Information Officer.
Arnaldo’s vast knowledge in bank systems and operations, particularly with credit cards, loans, loans origination, credit bureau systems and electronic banking solutions, combined with his experience in project management and implementation, make a powerful combination that is vital to the success of CCS’s future endeavor.