AI, credit, identity, and data at scale.

Executive Profile

Building financial infrastructure for inclusion.

Artificial intelligence is redefining how credit decisions are made in the Philippines—who gets access, how fast, and on what basis. This is no longer just a banking issue. It is about data, identity, and financial inclusion at scale. I operate at the intersection of AI, credit bureau, alternative data, and financial services, working with institutions to drive growth with precision—without compromising trust. I am the Country Head and Board Director of ADVANCE.AI and ADVANCE.CBP Philippines, a Credit Information Corporation SAE-licensed credit bureau, with full P&L ownership across identity, fraud, and credit risk. Together, we operate one of the country’s most advanced platforms integrating eKYC, AI-driven fraud prevention, alternative data, and credit bureau intelligence into a single decisioning ecosystem—from onboarding to underwriting to portfolio risk. 

My core areas of expertise:

1. Credit Bureau and Alternative Data strategy in BFSI (Banking, Financial Services, and Insurance)— activating multi-source ecosystems (bureau, telco, e-wallet, e-commerce, behavioral data)
2. AI execution at scale — delivering measurable outcomes across underwriting, fraud, portfolio performance, and collections
3. AI in credit decisioning — transitioning institutions from static scoring to predictive, real-time risk intelligence
4. Digital identity & fraud — securing onboarding through biometric and behavioral intelligence
5. Credit infrastructure & financial inclusion — expanding access responsibly using alternative and cross-platform data

I work closely with banks, fintechs, regulators, and investors to shape how AI is applied across the Philippine financial system.