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Manuel Perez is an accomplished professional with extensive experience in risk management, data analytics, and executive leadership. Currently serving as Head Of Risk, Credit, & Analytics at Microf, Manuel previously held key positions such as Head of Data Analytics & Risk at Efectivo, LLC, and Chief Executive Officer at Star World, Inc., where responsibilities included Chief Risk Officer & Data Science. Additional expertise includes serving as Director of Risk Management and Business Intelligence at Adir International LLC and VP Credit Risk Executive - Commercial and Consumer Banking at Taishin. Manuel is also pursuing a Certificate in Machine Learning from the Massachusetts Institute of Technology, complementing prior education at the W. P. Carey School of Business at Arizona State University.