HR Ratings is the leading global rating agency in the Mexican market, issuing more than 2,000 ratings per year, with presence in North America, Latin America, and Europe. We are registered before the SEC (the US regulator), ESMA (the European regulator) and FCA (the UK regulator), allowing us to operate in their regions by following their highest standards. Because of this, and because of the quality of our ratings, we have enjoyed substantial growth year after year.

We are well known in the market for the transparency of our methodologies, which reflects the deep knowledge of the asset classes in which we operate. Our methodologies incorporate ESG criteria, while each rating involves a thorough analysis of the entity’s credit quality as we train our team with the support of the CFA Institute. We also have strategic alliances that help us increase our presence across the globe.

Our operations are in accordance with the highest internationally recognized standards thanks to the strict regulation of the authorities and our internal control systems. The monitoring and review processes of our ratings allow us to develop an increasingly detailed knowledge of issuers resulting in a close relationship with investors.

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Our mission

Support clients and investors to make informed decisions, issuing opinions on credit quality based on dynamic and transparent analysis, with constant monitoring and distinguished by its quality in customer service.

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Our vision

Be the leading rating credit agency in the participating markets, distinguished by its commitment to transparency, quality in the analysis and in the service to its clients.

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Code of conduct

  • Transparency
  • Quality in the service
  • Integrity
  • Punctuality
  • Honesty
  • Responsability
  • Trust
  • Innovation

Chairman's Message

HR Ratings was created in 2007 with the aim of transforming, through high-quality service and unparalleled transparency, the rating agency industry, which was going through an unprecedented crisis of credibility.

Fifteen years later, we are proud to say we have achieved our goal. We are the leading rating agency in the Mexican market as a result of the commitment and effort we apply to every rating we issue.

The success of our drive to increase our international operations is reflected in the large number of ratings we have issued for companies in the United States, Latin America, and Europe, always under the close supervision of the regulators and authorities of each region and country. Our global presence grows stronger each year, making us one of the most recognized rating agencies in the world.

Our mission is to continue being a leading global Rating Agency , recognized for our deep and rigorous analysis, dynamic processes, the transparency of our methodologies, and the close monitoring of all the ratings we issue. We are confident that we will continue to transform the rating agency industry, and we know that we will do so with the same values, commitment and dedication that have distinguished us from day one.

Alberto Ramos

Chairman of the Board of Directors

Corporate Governance

Board Members

Alberto I. Ramos
Chairman of the Board of Directors
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Alberto I. Ramos

Chairman of the Board of Directors


Alberto Ramos is a founding partner of HR Ratings and currently holds the position of Chairman of the Board of Directors. Previously, he was CEO of HR Ratings and held a number of executive positions in the analysis groups at a number of internationally renowned financial institutions operating in Mexico, such as UBS, Credit Lyonnais Securities Asia (CLSA), ING Barings and Banamex. Prior to founding HR Ratings, he established B&R Consulting Group, a consultancy firm offering credit risk assessment to institutional investors.

He holds a Bachelor’s degree in Economics from the Instituto Tecnológico Autónomo de México (ITAM) and a graduate degree in Advanced Econometrics from the same institution, where he has also served as a professor in the undergraduate Economics program.

Anibal Habeica
Vicepresident of the Board of Directors
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Anibal Habeica

Vicepresident of the Board of Directors


Anibal Habeica is a founding partner of HR Ratings Mexico where he currently serves as Vicepresident of the Board of Directors. Previously, he held the title of Deputy CEO of HR Ratings. Before his work in HR Ratings, he worked at Scotia Capital, labored as Associate Director at UBS, Senior Analyst for Latin American Conglomerates and Cement at Credit Lyonnais Securities Asia (CLSA) and Junior Analyst for Latin American Conglomerates and Steel at ING Barings.

He holds a Bachelor’s degree in Economics from the Instituto Tecnológico Autónomo de México (ITAM), and he has been a part-time lecturer in Economics at the Universidad Iberoamericana since 1995.

Pedro Latapí
Chief Executive Officer
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Pedro Latapí

Chief Executive Officer



Pedro has more than 10 years of experience in the financial sector, starting his career as part of HR Ratings and previously assigned as Executive Director for the Financial Institutions and Structured Finance Group and as Chief Operating Officer. Pedro has a Bachelor in Financial Management from Tec de Monterrey, an MBA from the Tuck School of Business at Dartmouth and is a Chartered Financial Analyst (CFA) and a Six Sigma Black Belt.

Independent Board Members

The Independent Board Members do not fall in the assumptions set out in sections I to V of article 26 of the Mexican Stock Exchange Law (Ley del Mercado de Valores de México)

Claudia Hardy Cuevas
Independent Board Member
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Claudia Hardy

Independent Board Member

Founder Partner at Ezentia Group and Co-President of 5050 Women on Boards Mexico, Claudia Hardy has a degree in Economics and Political Science from the University of Pennsylvania and a Master's in Business Management from IPADE. In 2011, she completed a certification in Public Policy and Gender at the Latin American Faculty of Social Sciences (FLACSO) and in 2017-2018 she was a Fellow of the Leadership Foundation Program of the International Women's Forum (IWF) with Harvard Business School and Insead.

She began his professional career at Credit Suisse in New York in 1994 in the area of market analysis. She joined Merrill Lynch in Los Angeles, specializing in fundamental analysis. Later, she worked at Compass Group, occupying positions of increasing responsibility in the investment area, becoming Partner and Chief Investment Officer (CIO) at Compass Group Mexico and CIO at Compass Group New York. Later she worked at GE Capital in the Risk area as Senior Risk Officer. In 2011, she founded Ezentia Group, an executive and director search consulting firm, where she works as a consulting partner specializing in financial and professional services.

She is the founder and vice president of the CEE A.C. Business and Executive Council. and has been a visiting professor at IPADE. She is a member of the IWF Mexico chapter and of the Executive Committee of the 30% Club México and is an independent director of Barclays México and of the CIMAD (Center for Research on Women in Senior Management) of IPADE.

Guadalupe Villar Espinosa
Independent Board Member
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Guadalupe Villar

Independent Board Member

She has a Bachelor´s degree in Economics from Instituto Tecnologico Autonomo de Mexico (ITAM) and a D1C certificate from IPADE.

From 1998 to 2018, she was part of Impulsora del Fondo México, were she was in charfe of providing fundamental Analysis of the companies listed in the Mexican Stock Exchange and was part of the investment committee of the company.

Since 2013 through 2016, she was Director Equity Research in Santander Asset Management were she was in charge of establishing a valuation method for companies through fundamental analysis models and actively participated in the investment committee that defined the investment strategy of SAM.

From 2017 till now, she is Portfolio Manager of Private Banking in Credit Suisse were she is Portfolio Manager of the Equity Mandates and provides advisory to private banking clients.

Javier Nájera Muñoz
Independent Board Member
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Javier Nájera Muñoz

Independent Board Member

Co-founded of Execution Finance (“Exefin”) an Investment Banking boutique that offers specialized Financial and Strategic Advisory services. Exefin became one of the most active advisers in Mexico, recognized for their quality of work and creativity in designing solutions.

Since April 2020, he founded Blink Capital Solutions, an investment banking company specialized in Financial and Strategic Advisory, supporting people in the structuring and execution of strategies for access to multiple and efficient sources of financing that contribute to an adequate structure of capital.

He is a board member for the HDI Capital (Latin American Equity Hedge Fund) Investment Committee Member, a Board Member and Executive Committee Member of Lottus Education and Gravitas Financial Group (Mexican Leasing Holding Company) and part of the Investment Committee Member of ALZA Capital (Latam and Europe Search Funds Fund).

He holds a Bachelor’s Degree in Economics from the Instituto Tecnológico Autónomo de México (ITAM) and Upper- Management Post-graduate in the IPADE Business School.

Juan Carlos Mateos
Independent Board Member
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Juan Carlos Mateos

Independent Board Member

He holds a Bachelor’s Degree in Economics from Claremont McKenna University, an MBA from Harvard Business Administration and is a Chartered Financial Analyst.

From 2017 to 2018 he was the Corporate Director of Finance and Administration of Aleatica, where he participated in the obtention and structuring of important financings for said entity, as well as in the planning of financial strategies.

From 2014 to 2017 he was CFO of Grupo Pochteca, a public entity in which he structured various mergers and acquisitions for the entity in various Latin American countries and the implementation of various financing strategies.

From 2008 to 2014, he was part of HSBC México as Director of Stock Market Analysis and Strategy, where he actively participated in the issuance of shares of large Mexican chemical companies, increasing HSBC's presence in various investment funds.

Additionally, he has been part of the management team of important entities such as BBVA Bancomer, Merrill Lynch México, Grupo Gigante, Chase Manhattan Bank and Procter & Gamble.

Mauricio Brocado
Independent Board Member
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Mauricio Brocado

Independent Board Member

Mauricio Brocado holds a bachelor’s degree in accounting from the Universidad Iberoamericana, is a Certified Public Accountant and a Registered Investment Advisor, while also holding several certifications in areas such as Management Information Systems, Finance and Financial Analysis.

From 2004 to 2008, Mauricio was Head of Research and Equity Strategist for Actinver Casa de Bolsa, where he coordinated and supervised equity and economic research for the Financial Group.

From 2008 to 2018 Mauricio was Head of Strategic Investment, Fundamental Equity Research in Tresalia Capital, where he was part of the Asset Management team, providing recommendations on investment ideas and analysis for decision making, while coordinating the comptroller area of the Entity.

Since 2019, Mauricio works as Chief Investment Strategist for Nuclo Consulting and Nuclo Wealth, where he focuses on generating research ideas across industries and companies based on fundamental analysis.

Mauricio has also been a member of the Board of Directors for various entities such as Grupo KIO Networks, ABiiA, Inteligencia Inmobiliaria, Alliat Universidades, Medistik and an Independent Board Member of Actinver.

Our Team

Presidency

Alberto I. Ramos
Chairman of the Board of Directors
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Alberto I. Ramos

Chairman of the Board of Directors


Alberto Ramos is a founding partner of HR Ratings and currently holds the position of Chairman of the Board of Directors. Previously, he was CEO of HR Ratings and held a number of executive positions in the analysis groups at a number of internationally renowned financial institutions operating in Mexico, such as UBS, Credit Lyonnais Securities Asia (CLSA), ING Barings and Banamex. Prior to founding HR Ratings, he established B&R Consulting Group, a consultancy firm offering credit risk assessment to institutional investors.

He holds a Bachelor’s degree in Economics from the Instituto Tecnológico Autónomo de México (ITAM) and a graduate degree in Advanced Econometrics from the same institution, where he has also served as a professor in the undergraduate Economics program.

Anibal Habeica
Vicepresident of the Board of Directors
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Anibal Habeica

Vicepresident of the Board of Directors


Anibal Habeica is a founding partner of HR Ratings Mexico where he currently serves as Vicepresident of the Board of Directors. Previously, he held the title of Deputy CEO of HR Ratings. Before his work in HR Ratings, he worked at Scotia Capital, labored as Associate Director at UBS, Senior Analyst for Latin American Conglomerates and Cement at Credit Lyonnais Securities Asia (CLSA) and Junior Analyst for Latin American Conglomerates and Steel at ING Barings.

He holds a Bachelor’s degree in Economics from the Instituto Tecnológico Autónomo de México (ITAM), and he has been a part-time lecturer in Economics at the Universidad Iberoamericana since 1995.

Pedro Latapí
Chief Executive Officer
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Pedro Latapí

Chief Executive Officer



Pedro has more than 10 years of experience in the financial sector, starting his career as part of HR Ratings and previously assigned as Executive Director for the Financial Institutions and Structured Finance Group and as Chief Operating Officer. Pedro has a Bachelor in Financial Management from Tec de Monterrey, an MBA from the Tuck School of Business at Dartmouth and is a Chartered Financial Analyst (CFA) and a Six Sigma Black Belt.

Analysis

Félix Boni
Chief Credit Officer / Economic Analysis
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Félix Boni

Chief Credit Officer / Economic Analysis


Félix Boni holds a Ph.D. in Political Science from the University of Pittsburgh and a Master’s degree in Management from La Salle University in Philadelphia.

He has over 25 years’ experience in financial market analysis in Mexico, including political and economic perspectives. He is an expert in creating strategic and forecasting models and is currently the Chief Credit Officer at HR Ratings.

His professional career in Mexico includes: Director of Analysis Scotia Capital, Senior Equity Analyst at ABN-AMRO Securities Mexico, Director of Analysis at Credit Lyonnais Securities Asia (CLSA), West Merchant Bank and ING Barings, Executive Director of Analysis at Interacciones Casa de Bolsa and Director of Analysis at Bursamex.

In 1993, he received Honorable Mention as part of the Latin American Research Team for Mexico, and, in 1997, he was awarded second place in Institutional Investor. He was recognized as a Global Finance Emerging Markets Superstar for 1994/1995 and was runner-up in 1993; he also won first place in the Extel Survey in 1996. In addition, he was an Associate Professor and Chair of the Department of Political Science at Chestnut Hill College, Philadelphia.

As Chief Officer of Economic Analysis, his job is to analyze that, in regards to sovereign ratings and what corresponds to the economy area, the highest standards of quality, objectivity, independence and integrity are maintained. Likewise, it is responsible for the economic comments to the general public, with the aim of clarifying doubts about the economic performance and future expectations of sovereigns or macro-economic trends.

Rogelio Argüelles
Deputy Chief Credit Officer
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Rogelio Argüelles

Deputy Chief Credit Officer

Rogelio Argüelles has over 20 years' experience in Structured Finance Analysis, Investment Firms, Pension Funds, Financial Institutions and Industrial, Commercial and Services Companies. Before joining HR Ratings, he worked as a Structured Finance Analysis Director, Investment Firm and Pension Fund Analysis Director, and Industrial, Commercial and Services Company and Financial Institution Analysis Director at Fitch Ratings Mexico. His areas of responsibility during this period were the development of the criteria and methodologies used to securitize mortgages in Mexico and to rate Investment and Pension Fund firms in Mexico, as well as the securitization of accounts receivable and other assets. Before his role as Chief Risk Officer, Rogelio held the position of Chief Operating Officer of HR Ratings.

He holds a Bachelor’s degree in Accounting and Auditing from the Universidad de Monterrey (UDEM) and has studies related to investment funds from the IIR in Spain.

As Chief Risk Officer, he is responsible for the internal audit of HR Ratings, striving to maintain high quality standards in the analysis process, models validation and statistical evaluation of this agency.

Ricardo Gallegos
Deputy Chief Economic Analysis Officer
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Ricardo Gallegos

Deputy Chief Economic Analysis Officer


Ricardo Gallegos has a degree in Economics from the Instituto Tecnológico de Monterrey (ITESM), Monterrey campus and has a master's degree in Public Policy from the Instituto Tecnológico Autónomo de México (ITAM), he has more than 20 years of experience in economic analysis, and he has participated since the beginning of HR Ratings operations as head of the subnational public finance rating area.

He is currently in charge of developing the rating of States, Municipalities, Water Organizations, and countries, among which are Canada, Mexico, Peru, Chile and Costa Rica. Within his responsibilities is also the development and supervision of documents and reports in the area of economic analysis.

Prior to joining HR Ratings, he worked at the Food and Agriculture Organization of the United Nations (FAO) as state coordinator. Later he was responsible for the economic consulting area of Thesis Consulting S.C. where he developed economic market studies, socioeconomic evaluation of projects and analysis of the recovery portfolio for the projects in Ecuador and Uruguay.

Álvaro Rodríguez
Public Finance and Sovereing Debt Director
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Álvaro Rodríguez

Public Finance and Sovereing Debt Director



Álvaro Rodríguez has 11 years of experience in the financial sector, and 9 as part of HR Ratings. He has studies in Economics from the Instituto Tecnológico Autónomo de México (ITAM). His experience is mainly focused on credit risk analysis for public entities.

As Associate Director of Public Finance and Sovereign Debt, he has participated in methodological development and unsecured credit ratings for States, Municipalities and Decentralized Organisms. Also, he is part of the analysis team for the sovereign ratings of Canada, Costa Rica, Chile, Mexico and Peru.

Roberto Ballinez
Public Finance and Infraestructure Sr. Executive Director
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Roberto Ballinez

Public Finance and Infraestructure Sr. Executive Director


Roberto Ballinez has over 15 years' experience in the areas of Financial Risks, Industrial Organization, Public Finance Debt, Sustainable Finance, and Infrastructure & Energy Projects.

Before joining HR Ratings, he was VALMER-Algorithmics Risk Management Director for the Mexican Stock Exchange and an Asset – Liability and Liquidity – Credit Risk Management Consultant at the Scotiabank Inverlat Financial Group.

He was Deputy Technical Director of the Revista Mexicana de Economia y Finanzas (REMEF), an economics and finance journal published by the Tecnologico de Monterrey. He has also worked in academia as a lecturer for Bachelor’s, Master’s and Ph.D. students at the EGADE Center for Financial Research at the Tecnologico de Monterrey and at the Center for Research and Teaching in Economics (CIDE).

He holds a Ph.D. in Financial Sciences from the Instituto Tecnologico y de Estudios Superiores de Monterrey (ITESM), and a Bachelor’s and Master’s degree in Economics from the CIDE. Additionally, he is a Certified Environmental, Social and Governance Analyst (CESGA) by the European Federation of Financial Analysts Societies (EFFAS).

As Senior Executive Director - Public Finance / Infrastructure at HR Ratings, he analyzes ABS and structured banking credits whose source of payment is linked to resources generated or managed by local entities, such as states, municipalities and decentralized public organisms. He also analyzes infrastructure transactions where the source of payments depends on a specific flow generated by a project, such as toll concessions, energy project and Public-Private Partnerships.

Roberto Soto
Public Finance and Infraestructure Sr. Executive Director
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Roberto Soto

Public Finance and Infraestructure Sr. Executive Director


Roberto has over ten years’ experience in the financial industry. He is currently the Director of Public Finance and Infrastructure, meaning he is responsible for the structured debt analysis regarding subnational entities such as states, municipalities and decentralized public organisms. He is also responsible about the analysis of debt backed by infrastructure projects such as toll concessions, Public-Private Partnerships, among others.

He has a Bachelor in Economics from Instituto Tecnológico Autónomo de México (ITAM) and has a Master’s degree in Business Administration from Institutito Panamericano de Alta Dirección de Empresas (IPADE). Additionally, he is a Certified Environmental, Social and Governance Analyst (CESGA) by the European Federation of Financial Analysts Societies (EFFAS).

Angel García
Financial Institutions / ABS Sr. Executive Director
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Ángel García

Financial Institutions / ABS Sr. Executive Director



Angel counts with nine years of experience in the financial sector starting his professional career within HR Ratings. He has a degree in Public Accounting and Finance and a degree in Financial Management, both degrees by the Instituto Tecnológico y de Estudios Superiores de Monterrey (ITESM).

Currently, he is Financial Institutions Manager / ABS in HR Ratings where he analyzes the payment capacity of the banking and non-banking financial institutions, the payment capacity of structured issuances which source of payment is backed by financial assets and the administration capacity of financial assets of the entities.

Akira Hirata
Financial Institutions / ABS Director
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Akira Hirata

Financial Institutions / ABS Director



Akira is the Financial Institutions / ABS Associate Director at HR Ratings, where he has specialized in the analysis and credit risk assessment of both banking and non-banking financial institutions, as well as asset backed securities. Akira has participated in several rating processes for the past 7 years.

Previously, Akira has worked providing coverage and research of fixed income assets, as well as economic analysis in Mexico and Latam. Akira’s field of study has been Applied Mathematics at the Instituto Tecnológico Autónmo de México (ITAM).

Luis Miranda
Corporates / ABS Sr. Executive Director
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Luis Miranda

Corporates / ABS Sr. Executive Director



Luis Miranda has over 25 years of experience in Finance, both in financial and corporate sectors. For more than 18 years he worked in Banco Santander in the Corporate and Investment Banking area. He was responsible of the equity research for the Conglomerates, Industrials, and Food & Beverage sectors in Latin America.

For 5 years he a ranked analyst on “Institutional Investor” survey in Latin Americas. For three years, he was ranked first place in Conglomerates and Industrials. During different moments of his long career in Banco Santander, Luis was also responsible of the stock analysis coverage in the retail, mining, transport (airlines and airports), auto parts and paper sectors.

Prior his work in the financial sector, Luis worked in the corporate sector in S.C. Johnson Wax, A.C. Nielsen and Du Pont. He has a degree in Science by the Universidad Autónoma de Baja California, counts with a Master´s Degree in Business Administration (MBA) by the IPADE and is a Chartered Financial Analyst (CFA), by the CFA Institute de Charlottesville, Virginia.

Heinz Cederborg
Corporates / ABS Director
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Heinz Cederborg

Corporates / ABS Director



Heinz Cederborg has a Degree in Finance and Banking by the Escuela Bancaria y Comercial (EBC). He counts with six years of experience in the financial sector, starting his professional career in HR Ratings specializing in credit analysis.

During his career in HR Ratings, he has been responsible of analyzing companies of various industries in Mexico such as: Alsea, Bachoco, FUNO, PEMEX, Xignux, Genomma Lab, Minera Autlán, Grupo Elektra, Consorcio Ara, Chedraui, among others; as well as future flow structured debt. He has also been responsible of the analysis of companies in the United States that participate in different sectors like healthcare, construction, retail, etc.

Luisa Adame
Sustainable Impact Director
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Luisa Adame

Sustainable Impact Director



Luisa counts with eight years of experience in the financial sector starting her professional career in HR Ratings. She has a degree in Finance by the Universidad Iberoamericana (IBERO). Additionally, she counts with 5 years of experience in Sustainable Finance and she is a Certified Environmental, Social and Governance Analyst (CESGA) by the European Federation of Financial Analysts Societies (EFFAS).

Currently she is HR Sustainable Director where she analyzes thematic bond structures and sustainability linked structures as well as the sustainable impact of the funded projects and the impact of the sustainable development objectives to which the entities have committed. Also, she analyzes the entities from an environmental, social, and governance perspective (ASG).

Regulation

Alejandra Medina
Head Compliance Officer
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Alejandra Medina

Head Compliance Officer


Has over 11 years of experience in the regulatory compliance of financial entities. Before joining HR Ratings she works as Corporate Manager at Grupo Elektra, as responsible for compliance of the company with obligations before the Mexican Banking and Securities Commission ("CNBV") and the Mexican Stock Exchange ("BMV"), structure of strategies for compliance with new provisions and advisory to the various commercial areas of the group.

Additionally she worked at Chávez Vargas Abogados, in the planification and implementation of finance projects with banking institutions and through the stock market and the implementation of corporate governance standards and regulatory compliance to issuers’ obligations and other regulated entities, among others. Ms. Medina worked at Promotora y Operadora de Infraestructura ("PINFRA"), as a Legal Manager, as a responsible for the corporate governance of the subsidiaries of the company and the compliance of regulatory requirements before the CNBV and the BMV of the public traded Company.

She holds a Law Degree from the Instituto Tecnológico y de Estudios Superiores de Monterrey and a master’s in financial law Institutions from the Universidad Panamericana (2017-2019).

José González
Compliance Associate Director
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José González

Compliance Associate Director

Operations

Odette Rivas
Operations Associate Director
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Odette Rivas

Operations Associate Director


Odette has six years of experience in the financial sector, specializing in the operations area of HR Ratings. She has a BA in History of Art by the Universidad Iberoamericana (IBERO), and has a certification on Excel for Business by the Macquarie University.

Currently she is the Associate Director of Operations at HR Ratings, where she is responsible for the company’s daily operation, the management and creation of internal and regulatory reports, and functions as internal control. Previously, Odette has worked in Business Development in the Real Estate sector and in Art Galleries of Mexico City.

Business

Verónica Cordero
Business Development Sr. Executive Director
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Verónica Cordero

Business Development Sr. Executive Director



Verónica Cordero Domínguez has a Degree in Financial Administration by the Tecnológico de Monterrey and a Master’s Degree in Investments by the Nottingham University in the United Kingdom. She is responsible of coordinating all business activities and investor relationships in Mexico and the United States.

Veronica counts with 15 years of experience in the financial sector focusing in companies like Intercam Casa de Bolsa, Grupo Modelo, Accival Casa de Bolsa and the Mexican Stock Exchange Commission, participating in the investigation, development, and implementation of operation rules in the Capital Market, as well as the coordination and assessment for companies in their process to have a successful placement in the Stock Market.

Also, she participated in the development of the Institutionalization and Corporate Governance Program for Bond Issues in the Stock Market (PRIME Certification) which focuses on participants to comply with the guidelines established in the “Código de Principios y Mejores Prácticas de Gobierno Corporativo” published by CCE.

Carmen Oyoque
Business Development Associate Director
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Carmen Oyoque

Business Development Associate Director



María del Carmen Oyoque Ortiz has a Master's in public finance and financing for development from the Universidad Anáhuac Norte, she has a degree in International Relations from the Universidad Hispano Mexicana. She is currently Associate Director of Business Development at HR Ratings rating agency, specializing in Public Finance and Infrastructure.

She has developed a high level of administration and payment sources in government and infrastructure banking that exhibits a proven track record for recognizing business needs and developing effective strategies to encourage best practices.

Carmen has 14 years of experience in the Government Banking, Public Finance and Infrastructure sector, working in Banks such as Grupo Financiero Interacciones and Banorte.

International Agreements

HR Ratings México signs Strategic Alliance with Global Ratings

The agreement will allow the collaboration between the two agencies to support Ecuadorian and Mexican companies for raising funds in each country.
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HR Ratings Mexico and DBRS Limited Announce Strategic Alliance

DBRS, the leading Canadian credit rating agency, and HR Ratings, the leading local Mexican credit rating agency, today announced that they have entered into a strategic alliance to cross market their rating services in Mexico, the United States and Canada.
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HR Ratings Signs a Strategic Alliance with Japan’s JCR

The agreement will allow the collaboration between both agencies to support Japanese and Mexican companies in fundraising in the respective countries.
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