Ernesto Carrera Ruvalcaba

Ernesto Carrera Ruvalcaba is a seasoned professional in quantitative analytics and data science, currently serving as a Quantitative Analytics Manager at Hilltop Holdings since May 2021. Prior to this role, Ernesto held several key positions at BBVA in the USA, including Senior Manager of Data Science where responsibilities included leading the Wholesale Risk Analytics team in developing credit risk models and collaborating with multi-disciplinary teams. Earlier experience at BBVA Bancomer involved building statistical credit risk models that achieved regulatory approval as the first IRB compliant bank in Mexico, significantly enhancing the credit loan origination process. Ernesto's career began at Banco Santander Mexico as a Market Risk Analyst and at ING as an Actuarial Analyst. Educational qualifications include a Master's degree in Data Science from Southern Methodist University, a Master's degree in Information Technology and Administration from Instituto Tecnológico Autónomo de México, and a degree in Actuarial Sciences from Universidad Autónoma de Guadalajara.