José Manuel Piñera

José Manuel Piñera is an accomplished finance professional with extensive experience in risk management and lending. Currently serving as Head of Risk / Lending at TIVOS since September 2021, José Manuel focuses on delivering personalized financial solutions to Mexican SMEs. Previously, as Head of Risk at Cumplo, José Manuel was instrumental in developing product policies and methodologies for crowdfunding. At Onix Financiera, José Manuel held roles as Head of Finance and Head of Credit, leading operational improvements and credit product development. José Manuel's experience also includes positions at Scotiabank and Nacional Financiera, where significant contributions were made to credit solutions and financing schemes. Academically, José Manuel holds degrees in Investment Strategies and Portfolio Management from The Wharton School, a Master’s in Finance from Universidad Panamericana, and an MBA from Instituto Tecnológico Autónomo de México, complemented by a Bachelor's in Business Administration from Tecnológico de Monterrey.