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Master of Financial Engineering Program

First-Person

German Ramirez

German Ramirez

German Ramirez holds a B.Sc. in Industrial Engineering and a B.Sc. in Chemical Engineering from La Universidad de los Andes. Upon graduation he joined Lumni, a company that manages investment funds to finance low-income students through Income-Share Agreements (ISAs). At Lumni, he redesigned an algorithm to price ISAs, using Gaussian Quadrature rather than Monte Carlo Simulations. This change allowed them to price ISAs more efficiently. Moreover, German led a team of engineers to integrate the pricing algorithm with the students' application platform, making the pricing process fully automated and scalable. In order to broaden his knowledge in finance and macroeconomics, German joined the Central Bank of Colombia. Here he was responsible for overseeing the credit risk of the Foreign Reserves and Sovereign Wealth Funds, both worth over USD 47 billion. To do so, he developed tools to measure credit risk and to identify issuers with deficient credit capacity. In addition, he managed the relationship with external managers from the most competitive firms in the industry. German is a CFA charter holder since 2015. In his spare time, German enjoys playing tennis and running.