Ruben Ramirez Hernandez

Critic
DISC Type : C

Credit Portfolio Sr. Global Manager & MX Tech Director at Revolut

Mexico City, Mexico

Overview

Ruben is a YC Alum and Business Scientist specializing in credit and risk. As Credit Portfolio Sr. Global Manager at Revolut, he drives expansion into new markets. An Enrolled Actuary, his background includes strategy roles at Mexican unicorn Konfío, Citi, and Grupo Financiero Banorte, focusing on portfolio management.

He is passionate about how emerging markets refine global fintech ideas, proudly taking customer-first credit solutions developed in Mexico to a global scale.

Personality Overview

Information Seeker

ROI Driven

Precise

They prefer to do logical analysis and value evidence over emotions.  It is very likely that they will negotiate pricing or other important terms. Unless the value is proven by data, they are unlikely to value fancy features.

Topics They Care About

Global Fintech Expansion
He manages Revolut's strategic expansion into new global jurisdictions and led the company's successful credit market entry into Mexico.
Credit Risk Strategy
His career is centered on credit risk management, from portfolio analysis at Citi to developing global credit policies and lifecycle strategies at Revolut.
Emerging Markets Finance
He believes emerging markets like Mexico enhance global fintech by creating customer-first credit products under real constraints.

Media Appearances

Ruben has no verified media appearances

Work History

10-2024
Credit Portfolio Sr. Global Manager & MX Tech Director at Revolut
6-2023 - 10-2024
Credit Strategy Sr. Country Manager at Revolut
5-2022 - 2-2023
Head of Business Strategy & Ops at Konfío
11-2020 - 5-2022
Credit Portfolio Manager at Citi
6-2014 - 11-2020
Credit Portfolio Risk Manager at Grupo Financiero Banorte

Education

2020 - 2020
Credit Risk Certificate from RiskMathics Financial Institute
2011 - 2014
Actuary from Universidad Nacional Autónoma de México

More Information

Social Presence :

Prographics :

Exp : N/A Location : Mexico City, Mexico Job Level : N/A Designation : Credit Portfolio Sr. Global Manager & MX Tech Director at Revolut
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Insights For Selling To Ruben

During A Call Or A Meeting

DO's

  • Don’t forget to mention how you compare to competition on both features and pricing
  • Leverage facts and figures wherever possible; use percentages, numbers etc.
  • Be formal and objective, they will appreciate it more

DONT's

  • Avoid phrases like ‘trust me’, ‘others just love’ etc.
  • Make extra effort to not seem pushy or confrontational
  • Avoid pushing them too much to involve other stakeholders unless it is critical

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Ruben is

  • Strong evidence of ROI, effective pricing, and proven data points matter the most to them.
  • Will you ever get a clear answer from Ruben

  • It is not very hard for them to say no if they are not convinced about the decision.

Insights For Deal Planning

    How fast (or slow) will Ruben move?

  • Their decision-making is neither very fast nor very slow, they are somewhere in between.
  • Can Ruben take some risk or not?

  • They can take risks if their analysis shows that it would be worth it.

You And Ruben

Personality Compatibility


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