Vana
Carlos Caal is an experienced professional in credit risk analysis and management, currently serving as Gerente de Análisis de Créditos a Largo Plazo at Vana since April 2024. Prior to this role, Carlos occupied various positions at Banco Agromercantil de Guatemala, S.A. from 2014 to 2024, including Gerente de Analítica de Riesgos, Gerente de Riesgo de Crédito Personas y PYME, and Jefe de Análisis de Información y Riesgo de Crédito. Carlos has a strong background in developing internal policies and analytical frameworks for credit risk and profitability in enterprise banking. Academically, Carlos holds an MBA from Pontificia Universidad Católica de Chile, a Master's in Finance from Universidad Galileo, and a Bachelor's degree in Economics from Universidad Francisco Marroquín.
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Vana
We believe there is a wealth of potential that comes from having access to a line of credit. From buying inventory to paying for unforeseen emergencies between paychecks, there are times where all of us could benefit from credit. Unfortunately, quick and affordable access to credit is still out of reach for most people in Latin America. We want tochange that.With Vana, we provide convenient loans that can be applied for in minutes through an Android app. Our team uses a variety of non-traditional data sources and machine learning algorithms to provide loans that other financial institutions might not.Our team comes from a diverse set of previous experiences and is energized by moving rapidly and tackling tough problems. In our current high-growth stage, we get the opportunity to be presented with new challenges every day and thrive on learning and growing faster than we thought possible!