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Enrique has been the Chief Executive Officer since 2015. Prior to joining HiTO, he worked for Grupo Financiero Interacciones, where he was responsible for credit risk control and analysis for the Financial Group. He was also a professor for the Risk graduate program at the Instituto Tecnológico Autónomo de México (ITAM, by its Spanish acronym). Enrique has broad experience in the use of information technologies related to the support of mortgage and asset-backed securities. Enrique completed the Alta Dirección D1 program at IPADE and holds a bachelor’s degree in Actuary from the Universidad Autónoma del Estado de México. His academic background includes courses in Advanced Regression Models and Business Administration.
Lorena is responsible for all of HiTO's financial activities, including financial reporting, financial planning, budgeting, forecasting and analysis, as well as working with the executive team to ensure HiTO's strategic objectives are met. Lorena joined HiTO in 2019. Prior to joining HiTO, Lorena held finance and management positions for companies and financial institutions such as Banobras, Metrofinanciera and IPAB. Lorena holds a bachelor’s degree in Actuary from the Instituto Tecnológico Autónomo de México (ITAM, by its Spanish acronym) and a master's degree in Finance from the same institution.
Corina is responsible for managing the Company’s legal risks, as well as assisting in the operational implementation of corporate, stock, judicial, labor, and industrial property necessary legal acts for the fulfillment of HiTO's social purpose and general business strategy. Corina joined HiTO in 2013 and has more than 15 years of experience in the industry. She has served in high-ranked positions at the Mexican Ministry for Home Affairs and has worked for auditing organizations, restructuring, legal, economic and political analysis of programs, management control, transparency and information access.
Viridiana leads the Banks and Infonavit Master Servicer team, which manages the financial reports and those addressed to the regulatory entities in compliance with the highest standards established by the applicable regulations to monitor and provide certainty to the information provided by the primary administrators, as well as to provide value propositions that directly impact the profitability of our clients. Viridiana has a degree in Public Accounting from the Instituto Tecnológico Autónomo de México (ITAM, by its Spanish acronym) and holds a diploma in Management Skills Development from the same institution.
José is responsible for ensuring the economic value of the portfolios managed by HiTO through a deep understanding of the Primary Structured Asset Servicer operations, the development of working systems, and the validation of its operations. Prior to joining HiTO in 2019, he worked for more than 20 years in the industry, with leadership positions in FHipo, INFONAVIT and Seguros Monterrey New York Life, covering process design and operating policies, portfolio analysis, designing methodologies to monitor the behavior of housing supply, as well as designing credit models, and market and liquidity risk information processes. José holds a bachelor’s degree in Actuary from the Universidad Nacional Autónoma de México and a diploma in Financial Risk Management from the Instituto Tecnológico y de Estudios Superiores de Monterrey.
Isaac joined HiTO in 2007 as the Investor Relations Lead. His main responsibilities include HiTO's strategic planning and growth, as well as client relationship management. His customer service and team leading skills help drive and improve the Company’s performance, customer satisfaction, and business development. Prior to joining HiTO, he held leadership positions at Interacciones Casa de Bolsa and Banco del Atlántico. He has over 30 years of experience with capital markets, investment funds, and derivative products.
Roberto leads strategic initiatives to ensure that the structured financial instruments, managed and/or valued by HiTo follow the Comprehensive Risk Management processes established by the market’s best practices and current legislation. This to ensure that the actual value and performance of the assets is as reported. He has more than 13 years of experience in the financial sector, specializing in raising capital for companies through debt issuances and bank loans. He has led asset securitization processes worth over $40 billion pesos. He was the head of the Structured Finance team at Fitch Ratings in Mexico, where he leads the analysis and monitoring of over 120 ratings. Roberto holds a bachelor’s degree in Industrial and Systems Engineering from ITESM, graduating with honors. He also has a master's degree in Applied Statistics and is a Certified Financial Analyst by the CFA Institute.
Alejandro has more than 25 years of experience working in regulated companies in the role of CEO and/or a board member. He is a passionate strategic leader with proven experience in the 4 business stages: Start-ups, Sustainability, Realignments, and Turnarounds. He was CEO of GE Capital, GE Money, Genworth, FINAE (Fintech) and CCP (Insurtech). Alejandro has a bachelor’s degree in International Business with a specialization in International Finance from ITESM and an MBA in Financial Management from the University of Exeter, he has also taken a wide range of executive courses at some of the most internationally recognized institutions such as Yale University, University of Michigan, The Wharton School at University of Pennsylvania, among others.
Lorenzo tiene más de 20 años de experiencia profesional como alto directivo en el sector privado y en el sector público. Tiene un enfoque estratégico e innovador con capacidad para solucionar problemas y liderar trabajo en equipo. Ha sido CEO del IPAB, CONSAR, EVP Banorte y Grupo Hermes. Lorenzo posee una sólida capacidad para la formulación e implementación de políticas públicas y vinculación de asociaciones del sector privado con el gobierno. Lorenzo es Licenciado en Contaduría Pública por el Instituto Tecnológico Autónomo de México (ITAM) y ha sido expositor en foros académicos y seminarios impartidos por la Universidad Anáhuac, el ITAM, la Asociación de Bancos de México y el Comité Nacional de Estudios Económicos del IMEF.
Alejandro is a senior executive who has been a Partner and Director at Credit Risk in ActiveLeasing, he has served as Senior Vice-President of Structured Finance and Business Development, Mortgage Insurance and Life Protection Insurance at Genworth Financial. He has held leadership positions at Banamex, Banco Mexicano, S.A., Santander, GE Consumer Finance and Grupo AXO. Alejandro is an Industrial and Systems Engineer and holds an MBA from Boston University Graduate School of Management.
Theo has 25 years of experience advising financial institutions and government agencies involved in the financial sector. He has served clients in the U.S., Mexico, Central America, the Caribbean, Oceania and Europe. Theo’s areas of expertise include corporate planning and business unit strategy, retail banking, debt collection, profitability measurement, performance reporting, organizational design, expense management, among others. His clients have included banks (global, major national, mid-sized, specialized), government-sponsored enterprises and agencies, credit card issuers, private equity and venture capital firms, online banking service providers, among others. Theo has a degree in Economics (with honors) from Georgetown University and an MBA from Harvard Business School.