Manuel Najera

About

Results-driven Business Analyst with 10+ years of experience in financial services, combining deep expertise in credit analysis, loan portfolio management, and data-driven decision making. Proven ability to translate complex business processes into actionable insights, define requirements, and support digital and AI-driven initiatives. Adept at partnering with cross-functional stakeholders — bridging the gap between investment and technology teams — to identify opportunities for process improvement, automation, and value creation. Seeking to apply strong analytical acumen and financial services background to support portfolio performance monitoring and digital transformation in a private markets environment.

What I'm looking for

I'm now channeling that foundation into Business Analysis, with a focus on digital and AI-driven initiatives in financial services. I'm passionate about using data to drive smarter decisions, streamlining how organizations collect and act on information, and bridging the gap between technical teams and business stakeholders.

Experience

Sales and Finance Manager

Subaru of Englewood

Jun 2014 – Present

• Analyzed customer credit profiles and structured consumer financing agreements, applying data-driven evaluation to identify risk factors, optimize approval rates, and tailor lending solutions to individual financial profiles. • Monitored and managed a portfolio of financial products — including service contracts, GAP insurance, and third-party secured financing — tracking performance metrics and identifying trends to ensure consistent results above benchmarks. • Identified inefficiencies in customer onboarding and financing workflows, implementing process improvements that increased satisfaction scores by 20% and streamlined communication of complex financial terms to non-technical stakeholders. • Partnered with cross-functional teams to define performance targets, align priorities, and develop training on product positioning — driving a 15% increase in total output through collaborative goal-setting and consensus-building.

Portfolio PerformanceCRMAI Utilization

Education

Berkeley College

Bachelor of Business Adminstration

2016

Skills

Languages