Loan officer

Ramiro Arana Pacheco

Head of Credit

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Education: Bursen - Centro de estudios de la Bolsa de Valores de Lima (Bursen - Lima Stock Exchange Study Centre)
Prior institutions: Administrador de agencia (Branch Manager) · Caja Trujillo
Gerente de negocios (Business Manager) · Edpyme Raíz
Sub gerente de división de negocios (Deputy Business Division Manager) · Edpyme Raíz
Supervisor general (General Supervisor) · Edpyme Raíz
Jefe de supervisión de negocios (Business Supervision Head) · Edpyme Raíz
Asistente de ahorros (Savings Assistant) · CAJA CUSCO
Experience: 32years
Communication tone: Measured and transparent0.72
“"We opted to clean up the portfolio and continue growing with new clients" — openly acknowledging pandemic-driven provisioning impact and explaining strategic decisions plainly to the public.”
Risk posture: Cautious / risk-aware0.68
“"In this context, the credit card is quite risky" — flagging credit-card risk in the current environment while also noting limited and selective use of debt waivers and close monitoring of credit quality.”