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Timezone overlap

8h overlap with US East · Nicaragua

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English level

Advanced

C1

Self-assessed via CEFR ladder

(es)
Other languages:Spanish (native)es:Native

Skills & tools

Skills

Financial modelingFinancial analysisLiquidity managementDebt restructuringLender relationship managementCompliance managementLegal document reviewProject coordinationBusiness planningDue diligence

Tools

ExcelWordGoogle WorkspaceMonday

About

Ariana is a seasoned financial professional with 20 years of experience spanning banking, real estate, and business consulting. She currently applies her extensive background as an independent professional, building on her recent role as Senior Financial Analyst at BANCO FICOHSA NICARAGUA, S. A. In that capacity, she analyzed the financial evolution of bank deposits, managing a portfolio exceeding USD600MM. Earlier, as Loan Manager at PELLAS DEVELOPMENT, Ariana led the formalization of three debt restructuring agreements for major luxury real estate projects, successfully navigating local crises, COVID-19, and interest rate hikes. She also cultivated lender relationships across Central America, managing over USD100M in outstanding debt, and oversaw insurance policies for Guacalito with a total sum insured of USD102.8M. Her experience also includes coordinating 7 institutional development projects with a total budget of USD2.6M. Ariana holds an MSc in Business Economics from EGADE Business School at Tecnológico de Monterrey. A curious professional, she enjoys applying creative solutions to practical problems and is eager to bring her international experience to a remote role.

Highlights

  • Managed consumer lending portfolios totaling over USD300MM, including personal loans, credit cards, and mortgages.
  • Analyzed financial evolution of bank deposits, managing a portfolio exceeding USD600MM.
  • Led formalization of three debt restructuring agreements for major luxury real estate projects, navigating local crisis, COVID-19, and interest rate hikes.
  • Cultivated lender relationships across Central America, managing over USD100M in outstanding debt.
  • Managed all insurance policies for Guacalito, with a total sum insured of USD102.8M and USD300K in premiums.
  • Coordinated 7 institutional development projects funded by IADB, USDA, and SCBF, with a total budget of USD2.6M.

Work preferences

Job type
Full-time
Company size / type
Growth-stage startup (21-200), Large/multinational (200+)
Culture
Growth-stage startup (21-200), Large Company
Industries
Business Consulting, Finance & Accounting, Tourism & Hospitality
Hours
EST business hours

Salary context

Benchmarks for SMB non-tech role · Senior (7+ yrs).

India equivalent
$1,600/mo
This candidate
$2,000/mo
US local hire
$7,000/mo
Save ~$60,000/yr vs. equivalent US hire.

US figures from BLS OEWS 2024 + Glassdoor; India figures from US SMB offshore vendor pricing. Adjusted for the candidate's seniority.

Work experience

  1. Independent professional · Independent professional
    Oct 2025 — Present
    NI

    - Inspired by the difficulties many independent professionals and business owners face when managing their personal and business finances, I am currently working on personal projects, developing web based tools for financial management for micro…

  2. Senior Financial Analyst · BANCO FICOHSA NICARAGUA, S. A.
    Nov 2024 — Sep 2025
    NIUS company · remote

    - Updated and managed all consumer products profit and loss (P&L) financial models (personal loans, credit cards, auto loans, mortgage loans, online personal loans). Consumer lending portfolios added up to more than USD300MM. - Analyzed the…

  3. Independent Professional · Independent Professional
    Oct 2023 — Oct 2024
    NI

    - Provided advisory to a mexican microfinance company for strengthening their capacity to manage funding and reorganize the related back office areas in order to better adapt to the fast growth of the company. - Prepared a market study for a new…

  4. Loan Manager · PELLAS DEVELOPMENT
    Mar 2017 — Sep 2023
    NI

    - Collaborated with securing new loans to finance major luxury real estate development projects. Since 2018, worked on three rounds of negotiations of restructuring processes for the existing debt and I led the formalization of the related…

  5. Financial Administrator · SOFIPA, S.C. de A.P. de R.L. de C.V.
    Oct 2015 — Sep 2016
    MX

    - Managed liquidity, relationships with lenders, debts and grants and cash flow forecasting. - Negotiated with lenders (Mexican and international). Outstanding balance of debt provided by lenders USD6.4 M. - Reviewed legal documentation and…

  6. Treasurer · FINANCIERA FINCA NICARAGUA, S.A.
    Jun 2014 — Apr 2015
    NIUS company · remote

    - Served as key contact for international and local lenders, as well as bank relationships. Outstanding balance of debt provided by these lenders: USD23.7 M. - Reviewed legal documentation for compliance prior to disbursements from lenders. …

  7. Project Coordinator · FINANCIERA FINCA NICARAGUA, S.A.
    Nov 2012 — Jun 2014
    NIUS company · remote

    - Coordinated 7 institutional development and technical assistance projects funded by InterAmerican Development Bank (IADB), United States Department of Agriculture (USDA) and Swiss Capacity Building Facility (SCBF). Total Budget of the projects…

  8. Investment Officer Latin America (Debt) · RESPONSABILITY INVESTMENTS A.G.
    Aug 2011 — Jul 2012
    CH

    - Managed investment portfolio and monitored evolution of client data. My clients were located in Nicaragua, El Salvador, Honduras, Perú and Colombia. - Oversaw debt operations with Microfinance Institutions (MFIs) in Central and South America…

  9. Investment Officer Latin America (Debt) · TRIPLE JUMP B.V.
    Jun 2010 — Jul 2011
    NL

    - Managed investment portfolio and monitored evolution of client data. My clients were located in México, Honduras, Guatemala, El Salvador, Ecuador and Bolivia. - Oversaw debt operations with Microfinance Institutions (MFIs) in Central and South…

  10. Consultant · FUNDACIÓN SARES
    Mar 2010 — May 2010
    NI

    - Member of team performing the final evaluation of Offgrid Rural Electrification Project (PERZA), financed with resources from the World Bank and executed by Nicaragua's Ministry of Energy & Mines. Evaluated administrative and budgetary execution…

  11. Consultant · AGORA PARTNERSHIPS
    Jan 2010 — Mar 2010
    NI

    - Prepared a profile for a project to promote access to finance for Small and Medium Enterprises, SMEs.

  12. Head of Microfinance Department · FINANCIERA NICARAGÜENSE DE INVERSIONES, S.A. (FNI)
    May 2004 — Aug 2009
    NI

    - Oversaw USD31.9 M loan portfolio, comprising 902 projects. 2 direct reports. - Negotiated with clients and FNI's Microfinance lenders (World Bank, IFAD). - Served 25 clients: 7 commercial banks/financial institutions and 18 NGOs and Cooperatives…

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Education

  1. MSc · EGADE Business School at Tecnológico de Monterrey
    2008
    MX· Business Economics
  2. BSc · Universidad Católica Redemptoris Mater, UNICA
    2003
    NI· Managerial Economics
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