VI Breakfast Conference

Fernando Martínez Cabra has served since December 2023 as Senior Principal Consultant on the Global Domain Presales team. He has held other roles at FICO in the business consulting space since 2004.

In his current role within Global Domain Presales, Fernando is responsible for and assists with various projects around the world related to the entire credit life cycle, including customer management, collections, pricing and account origination. Fernando has helped several organizations implement customer-centric decisions using the FICO Decision Intelligence Platform.

In his previous business consulting roles, Fernando has helped organizations in 40 countries on five continents leverage industry best practices and improve the results of every decision strategy across the entire customer credit life cycle. He has worked extensively with large financial services organizations in the Dominican Republic since 2009.

Before joining FICO, Fernando held several senior positions in Credit Risk and Collections for the Spanish financial services organization Banco Santander for 12 years. Mr. Martínez Cabra holds a degree in Economics from the Universidad Autónoma de Madrid. He is fluent in Spanish (native), English and Portuguese.

Cyril Cherian is an experienced credit and collections operations professional with more than 20 years of hands-on experience and expertise in management and consulting within credit operations, who serves as a principal consultant at FICO.

As a principal consultant at FICO in its global domain presales practice, Cyril specializes in collections and credit operations, working with FICO clients on the design of their credit life cycle strategy and operational execution, enabling the best performance.

He has a global presence in business management and consulting in collections and credit operations. He has played a decisive role over two decades helping financial institutions transform their collections and credit operations into leading financial institutions in Asia-Pacific, the United Kingdom, South Africa, the US, EMEA and India.

Before joining FICO in 2013, Cyril held successive senior operational management positions in credit and collections operations at leading consumer banking institutions worldwide. Cyril holds a Postgraduate Diploma in Business Management (MPE) from NMIMS, Mumbai, and a Bachelor’s in Commerce from Osmania University, Hyderabad.

Ricardo Mihalik has worked at FICO for 8 years as part of FICO’s Global Domain Presales team, supporting clients in their automation and digital transformation projects.

His experience spans more than 26 years in the design, implementation and management of processes and solutions for the entire customer life cycle, having worked for more than 8 years in retail banking across different customer segments, and the following 18 years as a business and credit and collections solutions consultant on projects with the most important financial institutions in Latin America.

Mihalik can recognize and connect with clients’ needs and design better solutions based on experience from both sides of the business. Mihalik holds a degree in Chemical Engineering from the University of São Paulo, Brazil, and an MBA in International Management from Clemson University, USA.

Quilvio Cabral is Senior Vice President of Credit Risk at Banco BHD, S.A., Dominican Republic, with more than 25 years of experience in risk management, corporate and investment banking. He specializes in credit, market, liquidity and operational risks. Quilvio has a solid academic background in finance and administration, with postgraduate studies at renowned universities in the United States and the United Kingdom, and has been Chair of the Risk Committee of the Dominican Republic Banks Association. He is also a university professor and a member of the Global Association of Risk Professionals (GARP).

He graduated in Economics, with a concentration in Finance, from PUCMM in 1989. He has completed postgraduate studies at several international universities such as FIU and UM. He has completed diploma programs at several institutes, such as CIEDES, BARNA and INCAE, among others. He has been a university lecturer and a member of service clubs.

In his professional life, for more than 35 years he has held various banking roles, mainly in Business, operations and credit. He currently holds the position of Vice President of the Credit Normalization Area at Banco Popular Dominicano.