Paula Toro

Collaborator
DISC Type : is

Subgerente Cobranza de Créditos at Banco de Chile

Chile

Overview

Paula Toro is an experienced collections professional at Banco de Chile, specializing in retail credit risk for individuals and SMEs. She focuses on defining recovery strategies to optimize returns from deteriorated loan portfolios. Paula is an Accountant Auditor from the Universidad de Santiago de Chile.

Her career has been marked by a consistent progression within Banco de Chile, moving from corporate collections to managing mass credit collections, showcasing deep expertise in the field.

Personality Overview

Fair-minded

Good Listener

Consensus Builder

Scenarios where both sides can come out as winners appeal to them greatly.  Unlike D or C types, they are calm as well as friendly and can give the impression of being more receptive than they actually are. They are more likely to opt for solutions that are proven in the market.

Topics They Care About

Credit Recovery
Her primary focus is on defining normalization and recovery strategies for deteriorated credit portfolios to optimize financial outcomes.
Retail Credit Risk
Manages risk and collections specifically for the retail segment, which includes individuals, small and medium-sized enterprises, and consumer credit.
Debt Collection
Has extensive experience managing the entire collections process, from commercial line delinquency to transfer to specialized collection units.

Media Appearances

Paula has no verified media appearances

Work History

9-2018
Subgerente Cobranza de Créditos at Banco de Chile
1-2015
Jefe Depto. Cobranza Créditos Masivos at Banco de Chile
1-2002 - 12-2014
Jefe Depto. Seguimiento Cobranza Empresas at Banco de Chile
7-1997 - 7-1999
Ejecutivo Renegociación at Leasing Andino S.A.
7-1996 - 7-1997
Ejecutivo Riesgo at Leasing Andino

Education

1989 - 1994
Contador Auditor from Universidad de Santiago de Chile

More Information

Social Presence :

Prographics :

Exp : 26 Location : Chile Job Level : N/A Designation : Subgerente Cobranza de Créditos at Banco de Chile
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Insights For Selling To Paula

During A Call Or A Meeting

DO's

  • Show genuine interest in solving their problems
  • Summarize the key points at the end of the conversation
  • If possible, involve their colleagues in the sales process

DONT's

  • Don’t give the impression of being unproven or risky
  • Don’t sound very transactional
  • Don’t push them to make decisions very fast, let them take their time

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Paula is

  • Relationships can sway their decisions, followed by the low risk and the presence of good evidence.
  • Will you ever get a clear answer from Paula

  • They are diplomatic when needed and rarely say no directly.

Insights For Deal Planning

    How fast (or slow) will Paula move?

  • Even if they are engaged and friendly, they can take their time to make decisions.
  • Can Paula take some risk or not?

  • They probably won’t put a lot at risk.

You And Paula

Personality Compatibility


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