Ricardo Flores

Judge
DISC Type : Dc

Director of Credit Risk Operations at Federal Home Loan Bank of San Francisco

Alameda, California, United States

Overview

Ricardo has no verified overview

Personality Overview

Objective Thinker

Fast But Wary

Features Driven

They put a lot of effort into ensuring personal success.  They do not care very much about building rapport or relationships. They like to stay in control of the negotiation or defining of the terms.

Topics They Care About

Ricardo has no verified topics they care about

Media Appearances

Ricardo has no verified media appearances

Work History

2-2026
Director of Credit Risk Operations at Federal Home Loan Bank of San Francisco
3-2023 - 2-2026
Associate Director Credit Risk Operations at Federal Home Loan Bank of San Francisco
11-2021 - 7-2022
Head of Credit Risk at Point Card
4-2020 - 12-2021
Director of Credit Risk at Deserve
1-2019 - 3-2020
Senior Manager of Credit Risk at Deserve

Education

2016 - 2019
Master’s Degree from Johns Hopkins University Advanced Academic Programs
2015 - 2016
Graduate Certificate from Penn State University

More Information

Social Presence :

Prographics :

Exp : 13 Location : Alameda, California, United States Job Level : Mid-senior Designation : Director of Credit Risk Operations at Federal Home Loan Bank of San Francisco
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Insights For Selling To Ricardo

During A Call Or A Meeting

DO's

  • Get to the point quickly instead of spending time doing small talk
  • Hold your ground without indulging in one-upmanship
  • Be respectful but crisp

DONT's

  • Do not hesitate from asking counter questions, just avoid challenging their authority
  • Don't try too hard to forge relationships with them
  • Avoid being too verbose

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Ricardo is

  • Confidence in impact is paramount to them, followed by a sense of achievement and ROI.
  • Will you ever get a clear answer from Ricardo

  • If they are not convinced, they will have no hesitation in telling you the same.

Insights For Deal Planning

    How fast (or slow) will Ricardo move?

  • If convinced, they can reach decisions quite fast.
  • Can Ricardo take some risk or not?

  • They do not shy away from taking risks, but can be quite binary about them.

You And Ricardo

Personality Compatibility


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