Wilson Francisco Bernardo Luzendo
Integrated Risk Management Specialist | Credit Risk | Governance and Internal Control
About the specialist
Specialist in integrated risk management, credit risk, corporate governance and internal control, with more than 18 years of experience in the financial and banking sector, holding technical leadership roles in risk, regulatory frameworks and financial management.
He has solid experience implementing and monitoring integrated risk frameworks, following credit portfolios, managing prudential processes, developing internal policies and strengthening the control environment, contributing to organisational resilience and sustainability.
He currently coordinates the Integrated Risk Unit of Banco de Desenvolvimento de Angola (BDA), leading the annual corporate risk identification and assessment exercise, monitoring key risk indicators (KRIs) across 19 organisational units and actively contributing to the update of the Credit and Risk Management policies.
Throughout his career he has developed specialised skills in ICAAP, ILAAP, stress testing, market discipline, prudential supervision (SREP), impairments, corporate governance and organisational transformation, combining strong analytical capability with a strategic view of risk management as a value-creation and decision-support instrument.
Areas of Expertise
Integrated Risk Management
- Enterprise Risk Management (ERM)
- Risk identification, assessment and mitigation
- Definition and monitoring of KRIs
- Risk governance frameworks
- Risk appetite framework
- Control environment management
Credit Risk and Banking
- Credit risk management
- Credit portfolio monitoring
- Impairments
- Economic and financial analysis
- Investment project appraisal
- Collateral management
- Analysis and structuring of financing operations
Regulation, Governance and Compliance
- ICAAP
- ILAAP
- Stress testing
- SREP
- Market discipline
- Corporate governance
- Internal control
- Review of credit and risk management policies
- Banking regulatory framework
Financial Management and Reporting
- Financial statements (IAS/IFRS)
- Accounting close
- Prudential and regulatory reporting
- Financial analysis
- Advanced Excel
- Power BI
Sectors of Experience
Credentials
18 years of professional experience
- More than 18 years of experience in the financial and banking sector
- Coordinator of the Integrated Risk Unit at Banco de Desenvolvimento de Angola
- International experience in economic development projects in the United States of America
- Degree in Economics — Faculty of Economics, Agostinho Neto University
- Leadership training — University of Wisconsin (USA)
- Member of the Angolan Institute of Accountants
- Accounting close and IAS/IFRS accounting courses
- Taxation and tax law; senior accounting
- Project design; credit and risk analysis
- Advanced Excel and Power BI
Available Services
Integrated Risk Management
Development and implementation of integrated risk management frameworks, including identification, assessment, monitoring and mitigation of corporate risks, aligned with international best practice and regulatory requirements.
Credit Risk
Assessment and monitoring of credit portfolios, analysis of financing operations, definition of credit policies and implementation of risk mitigation mechanisms.
Governance and Internal Control
Implementation and strengthening of corporate governance models, internal control systems and oversight mechanisms, promoting greater transparency, compliance and organisational efficiency.
Prudential Regulation and Compliance
Support in preparing ICAAP, ILAAP, stress testing, market discipline and other regulatory instruments, ensuring alignment with applicable prudential and normative requirements.
Organisational Transformation
Participation in organisational transformation, process optimisation and institutional modernisation initiatives, strengthening internal capabilities and operational resilience.