ROSA ANA SAAVEDRA
https://www.linkedin.com/in/rossanasaavedra/
PROFESSIONAL SUMMARY
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Solution and goal-oriented economist, with over 25 years of experience in the Peruvian financial system including over
15 years of experience in financial risk management.
MBA, Certified Commercial Banking and Credit Analyst (CBCA), specialized in project evaluation for credit delivery,
risk management, compliance and product design.
Highly analytical with proven success record in senior positions.
Effective in building, leading, and motivating high performance teams, achieving high standards through continuous
improvement.
Strong expertise in the planning, development, evaluation, and monitoring of strategic and tactical value-added projects.
Skilled in interacting and maintaining key relationships with internal staff, supervisors, and government authorities.
PROFESSIONAL EXPERIENCE AND ACCOMPLISHMENTS
Freelance Consulting, Lima, Peru
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May 2014 – Present
Specialized in consulting, mainly to financial intermediaries, in business management, finance, microfinance, risk,
compliance and credit evaluation.
Selected consulting projects:
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Pentecostal Christian Church Association of Peru of the World Missionary Movement
o Performed diagnosis and developed Manual and Conduct Code for the prevention of Money Laundering and
Financing of Terrorism.
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Guarantee Fund for Small Industry -FOGAPI, Lima, Perú.
o Performed diagnosis of the market conduct function. Developed Market Conduct Management Policy and
Methodology.
o Performed diagnosis of the regulatory compliance function, Regulatory Compliance Management System Proposal.
and Regulatory Compliance Policy, Methodology and Annual Compliance Program.
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Caja Municipal de Ahorro y Crédito Maynas S.A, Iquitos, Peru
o Performed diagnosis of the Risk Unit and Gap Closure Plan. Advised and accompanied the Gap closure plan
implementation.
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Interamerican Development Bank-IDB /Multilateral Investment Fund-MIF
o Performed Completion Report (PCR) for “Financing Productive Development for El Salvador” project (ES-L1089).
o Performed mid-period evaluation for “Cooperative Model for Rural Financial Innovation” project (PE-M1095).
o Performed mid-period evaluations of IDB/MIF’s projects:
▪ “Agents and Peer to Peer Channels For Financial Inclusion of Rural Women (MUDE)” (ATN/ME-13531-DR).
▪ “Financial inclusion of beneficiaries of the Solidaridad Program (ALNAP)” (ATN/ME-13702-DR).
▪ “Promoting a savings culture through CCTs programs (ADOPEM)” (ATN/ME-13176-DR).
o Performed final evaluation for “Connecting MFIs to Domestic Investors through the Capital Markets” project (BOM1041).
Caja Municipal de Ahorro y Crédito de Tacna SA
Board Member
March 2023-Present
Superintendencia Nacional de Educación Superior (SUNEDU), Lima, Peru
August 2015 – February 2018
Adviser/Technical Coordinator
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Coordinated all core activities of SUNEDU, the institution responsible for the licensing, supervision and audit of
Peruvian universities
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Monitored ongoing operational plans across the institution
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Reviewed and provided technical opinion regarding regulatory proposals
Special projects
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Coordinated the development of the University Government Code proposal, intended to improve university management
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Conducted the diagnosis, design and implementation plan of SUNEDU’s Integrity Management System-ISO 37001
Ministry of Agriculture, Lima, Peru
December 2009 – May 2014
Board Member, Competitiveness Compensation Program
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Decided over the granting of incentives meant to improve the competitiveness of eligible small and medium-sized
farmer unions
Corporación Financiera de Desarrollo (COFIDE), Lima, Peru
June 1986 – May 2014
Chief Risk Officer (2004 – 2014)
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Managed financial and operational risks across all corporate divisions, such as the admittance and monitoring of debtors
(financial intermediaries, corporates, project finance).
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Led a team of 25 risk analysts.
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Strengthened the corporation’s Risk Management division by developing formal procedures covering the design and
implementation of policies, methodologies, risk models, process improvements, best practices, etc., contributing to a
300% growth of COFIDE’s loan portfolio.
Special projects:
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Achieved to obtain an international risk rating of investment grade for COFIDE by standardizing risk procedures.
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Managed the default rate of COFIDE’s loan portfolio by implementing methodologies for assessment, risk classification
and monitoring of credit risk for each type of debtor.
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Worked on Pricing Optimization and improvement of credit management by establishing exposure limits and interest
rates according to the risk of financial intermediaries, developing an internal credit risk classification system (rating) for
financial intermediaries (commercial banks, MFIs).
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Improved financial and performance management through the development of internal models for measuring exchange
risk, interest rate risk and liquidity risk, tools that led to control limits and indicators to manage currency, interest rates,
and maturity mismatches.
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Pioneered continuous process improvements and mitigation of operational losses by establishing a system of operational
risk management, including risk of information security and business continuity, allowing for continuous monitoring of
operational risks, key risk indicators and action plans.
Compliance Officer (Nov 2011-Feb. 2014)
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Instituted a compliance functionality and participated in the design and implementation of an automated compliance
system until February 2014. This led to timely delivery of regulatory reports among other commitments to deliver
information, avoiding fines and penalties.
Risk Executive (1997 – 2004)
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Founding member of COFIDE’s risk division
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Assessed credit risk of COFIDE’s financial intermediaries
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Supervised and aided teams of risk analysts
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Managed risk in the loan portfolios of several financial institutions, worth a total of circa $300 million
Special projects:
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Designed and implemented policy on credit to financial intermediaries
Business & Development Executive (1992 – 1996)
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Participated in a team in charge of the analysis and design of new product proposals
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Designed fiduciary schemes and trust commissions, including negotiation of their respective agreements
Special projects:
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Designed, developed and implemented fiduciary government programs intended to provide liquidity and capital support
to the financial system during the international financial crisis (Portfolio to Treasury Bonds Temporary Swap Program,
$136 million, 1998).
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Participated in COFIDE’s first-tier Loan Portfolio Transfer Committee, in charge of designing valuation methodologies
and portfolio transfer proposals that would decrease the general default rate; their implementation led to a reduction of
the defaulted portfolio from 36% of the whole portfolio in 1993 to 3% in 1994
Credit Analyst (1986 – 1992)
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Managed a loan portfolio and drafted business financing proposals
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Acquired experience in development and evaluation of investment projects, sectorial analysis, and projection of financial
statements
EDUCATION
Escuela de Administración para Graduados (ESAN), Lima, Perú
Diploma in Good Governance and Corporate Integrity, First Place (1/17)
Instituto Tecnológico de Monterrey, Lima, Perú
Diploma in Financial Risk Management
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Awarded full tuition by COFIDE
Set 2019- Feb-
Escuela de Administración para Graduados (ESAN), Lima, Perú
1990 – 1991
Master of Business Administration
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Graduated second place (2/80+)
Can be verified in SUNEDU web page with DNI number-: https://constancias.sunedu.gob.pe/verificainscrito
Universidad del Pacífico, Lima Perú
1979 – 1983
Bachelor of Arts in Economics with thesis
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Graduated third place (3/36)
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Awarded the Robert Maes Scholarship for Excellent Academic Performance in 1980
Can be verified in SUNEDU web page with DNI number-: https://constancias.sunedu.gob.pe/verificainscrito
CERTIFICATIONS
Commercial Banking and Credit Analyst, CBCA
Corporate Finance Institute. Issued: March 2025
Credential ID-: https://credentials.corporatefinanceinstitute.com/24b4962b-e549-4d34-bc6a-a9559b853224#acc.zEQZSx2t
FURTHER TRAINING
CEO Certification Program XI, Women CEO, 40 hours, August 2023 – January 2024
ISO 37001 Lead Auditor, PECB-Grupo Concepta, 32 hours, March 2021
ISO 37301:2021, Sistema de Gestión de Compliance, Grupo Concepta, 16 hours, August, 2021
Public Management Program, Escuela Nacional de Control, 120 hours, August-October, 2022
TEACHING
Guarantee Fund for the Small Industry, FOGAPI
• Course, Regulatory Compliance, July, 2019.
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Course, Compliance, Ethics and Corporate Integrity, July 2020
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Compliance Risk Management Workshop, August 2020
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Course, Market Conduct Management, December 2020
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Course, Ethics and Compliance, October 2021
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Ethic and Compliance Talk, November 2023
Latin American Development Association, ALIDE
• Distance learning course, Towards an Integrity Management System, April-May, 2019
Escuela de Administración para Graduados (ESAN), Lima, Perú
• Online course, Operational Risk Management, April –May, 2015
SKILLS & INTERESTS
Languages: English (advanced) and Spanish (Native)
Computing: Microsoft Excel, Word and PowerPoint
Community Service: Regular volunteering in Grupo Fundades’ children’s shelters in 2018
Interests: Dance, reading, cinema, volunteering NGO’s
March, 2025
– April-May 2020
