Pablo Zbinden is Head of the Credit Risk department for Mercado Crédito, the credit division of Mercado Libre. In this role, he is responsible for the development of the risk models which are then used to drive credit decision making and risk strategy. Previously, Pablo worked with Wells Fargo as quantitative manager leading a team of model validators. Prior to Wells Fargo, Pablo work with different Banks in Latam developing credit models used for risk management. Pablo is an Actuary from the Universidad de Buenos Aires and holds a master's degree in Quantitative Finance.