José Francisco Valderrama Ubando

José Francisco Valderrama Ubando is an experienced finance professional currently serving as a Portfolio Manager and founding team member at Creizer (YC W22) since March 2023, responsible for overseeing credit portfolio performance and implementing data-driven strategies to enhance customer repayment rates. Previously, José held roles such as Head of Fruver MX at Muni Tienda, where procurement and pricing strategies were optimized, and Portfolio Management Analyst at Covalto, where credit portfolio data accuracy was maintained for reporting purposes. Additionally, José worked as a Transfer Pricing Senior Analyst at Chevez Ruiz Zamarripa, advising multinational clients, and as a Trade Marketing Trainee at Red Bull, analyzing sales and marketing effectiveness. José holds a degree from Instituto Tecnológico Autónomo de México, earned between 2011 and 2018.