Miguel Fernandez

Miguel Fernandez has extensive experience in risk management and credit analysis, currently serving as Team Manager Collections Performance Management and previously as Senior Risk Analyst Strategy/Portfolio Manager for Credit Cards at Cembra Money Bank AG since September 2018. Miguel’s responsibilities encompass overseeing the entire credit card portfolio, generating reports, and managing underwriting processes. Prior to this role, Miguel worked as Credit Risk Policy Manager at Credit Suisse, handling the development of credit policies and stakeholder management, and served as a Risk Manager at Accarda AG focusing on financial risk management for credit and fraud risks. Additional roles include Credit Risk Analyst at Mercedes-Benz Financial Services Schweiz AG, where risk assessment and credit decision-making were key responsibilities, and an internship at PwC in Business Development. Miguel holds a degree in Management & Economics from the University of Zurich.