Julio Cubillo Navarro

Julio Cubillo Navarro serves as the Chief Risk Officer at Banco de Chile, a position held since October 2018, where responsibilities include overseeing corporate risk management and retail credit risk control. Prior to this role, Julio held several positions within Banco de Chile, including Divisional Manager for Retail Credit Risk and Global Risk Control. Before joining Banco de Chile, experience at BBVA Chile included roles as Credit Risk Manager and Retail Risk Manager from June 2017 to September 2018. Earlier, Julio was Global Head of Risk for Consumer Finance at BBVA from 2011 to 2017. Julio began his career at Bankinter, serving as Director of Risk Analysis and Process Management from 2007 to 2010. Julio holds a degree in Economics from Universidad Carlos III de Madrid, obtained from 1994 to 1999.