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Felipe Carrizales has extensive experience in credit and risk management, currently serving as Subdirector Créditos y Riesgo at Crediclub since October 2022. Prior to this role, Felipe held the position of Gerente de Crédito Negocios y Arrendamiento at Hey from December 2021 to October 2022, and Sub Gerente Crédito Consumo, Negocios y Arrendamiento at BanRegio from September 2013 to December 2021. Felipe holds a degree from Universidad Autónoma de Nuevo León, where studies were completed between 2009 and 2013.