Since joining in 2016, Hector has been responsible for the Risk and Portfolio management framework. He is an integral part of the entire lending process from loan origination to final repayment and restructuring. He ensures risk awareness at every stage of the process and manages the loan portfolio to achieve financial stability and sustainable operations in the dynamic landscape of agri-SME lending. This involves implementing robust credit risk management frameworks, setting appropriate loan terms, and continuously monitoring and evaluating the performance of the loan portfolio. The risk manager at the CFC aims to strike a balance between extending loans to the underserved SMEs and maintaining a healthy loan portfolio to minimize default risks. Hector has over 20 years of experience in the financial sector, in particular in the areas of project finance, export finance, SME finance and risk management.  Prior to joining the CFC, Hector worked as Risk Manager for Siemens Bank GmbH in Munich, Germany. He held various other positions at Siemens Financial Services in France and the USA where he advised and executed financing structures to support business development and sales efforts of the Siemens operating companies. These included infrastructure project finance for rail and power projects, ECA-backed export finance, and supplier financing. Hector began his professional career in 2001 with FGI Finance in the USA – a boutique working capital financing company specialized in cross-border financing for SMEs. He was one of the founding partners of the company and was responsible for business development during the startup phase of the company.