Carolina Morales Grez

Carolina Morales Grez has extensive experience in risk analysis and modeling, currently serving as Jefe de Modelos de Riesgo at Caja de Compensación 18 de Septiembre since September 2013. Responsibilities include developing provision models to reflect expected credit losses, conducting various analyses to enhance risk measurement systems, and creating scoring models for credit behavior tracking. Prior roles include Analyst of Risk Scoring at Ripley S.A., where Carolina implemented and monitored admission scoring models, and Analyst of Risk Scoring at Banco Ripley, focusing on scoring model creation and stability monitoring. Earlier experience at Ripley S.A. involved sales and stock reporting analysis. Carolina holds a degree in Statistical Engineering from Universidad de Santiago de Chile.