Jorge A. Arroyo

Business Systems & Analytics Architect

Independent Practice // xP&A · Data Engineering · Custom Business Applications

I design and build business systems that connect financial planning, operational data, and everyday workflows.

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01 / Principles

Sixsides

People, processes, technology, data, analytics, and governance have to move together.

FPeople

People know where the work bends and breaks. Their judgment belongs in the design.

RProcesses

Automation works best after the process makes sense. A faster bad process is still a bad process.

BTechnology

Systems work better when they connect cleanly. Data should move without constant repair.

UData

Good decisions need data people can find, understand, and trust. Clear definitions matter as much as clean records.

DAnalytics

Analytics should make a decision clearer. The method should fit the question, and the result should be explainable.

LGovernance

Clear rules make responsible use easier. People should know who decides, who owns, and who checks.

02 / Services

How I can help your business

Financial Planning & Analysis

CFOs · founders · investors · M&A

Financial modeling, business valuation, budgeting, forecasting, and integrated financial and operational planning (xP&A) to support business decisions.
- Integrated 3-statement models
- Driver-based budgeting & forecasting
- DCF & business valuation
- Scenario planning & sensitivity analysis
- Puerto Rico private company valuation
- Startup financial planning for funding
Data Engineering & Business Intelligence

Ops leaders · BI heads · data silos

Data architecture, database development, system integration, and business intelligence that bring information together for reliable reporting, analysis, and decision support.
- Azure data architecture & warehousing
- ETL/ELT pipeline development
- Automated pipelines: scraping, ETL, cloud DB
- Power BI dashboards & reporting
- Real-time economic & market dashboards
- Interactive, public-facing dashboards
- Data modeling & governance
- Custom advanced analytics
- Predictive modeling & forecasting
Business Applications & Automation

Operations managers · business owners · growing teams

Custom business applications and workflow automation designed around how an organization operates, from understanding requirements through system design and implementation.
- Full-stack business applications
- Enterprise-grade security
- Role-based access control
- Real-time data synchronization
Applied AI

Teams separating capability from hype

Practical AI assessments, evaluation, and implementation guidance grounded in independent research, with attention to business value, limitations, and risk.
- LLM workflow automation & tooling
- AI literacy & agentic tool enablement (Claude Code, Codex)
- Model evaluation & validation
- Document & data extraction
- Realistic AI opportunity assessments
- Analysis-time reduction & process automation

Process

Process first. AI where it fits.

Understand the work, choose a remedy, then test and roll out.

01Inventory
List processes · measure today: the baseline to beat
02Map
How work is actually done
03Check
Access · permissions · risk boundaries
04Diagnose

needs stabilizing Stabilize
stable enough
05Prioritize
Rank · owner · success measure
06Remedy

ConnectCentralizeIntelligence

Combine as needed · fallback or safe stop
A1Autonomy
One AI step → fixed workflow → agent · the least that meets the goal
A2Owners
AI proposes · systems enforce · people approve high-risk actions
A3Test first
Real cases · current and simpler options · bar set before building
A4Build
Tools · context · prototype · evaluate · revisit A1
A5Approve release
Safety tested · bar met · signed off
Build & validate
Tested · approved for rollout
07Roll out
In stages · with a way back
08Operate
Monitor · re-test · improve

Get in touch

03 / About

Jorge A. Arroyo

After a decade in finance, I got tired of seeing important decisions made with disconnected data. So I started building the bridge myself.

Today, I design and build business systems for planning, analysis, operations, and decision support. My work combines xP&A, financial modeling, and business valuation with data engineering, business intelligence, and custom application development. That combination allows me to approach problems from both the business and technical sides.

I work from the problem outward: understanding the process, determining how information should flow, designing the appropriate system, and leading or carrying out the implementation.

Since 2022, I have also pursued independent research into AI and large language models, focusing on their practical capabilities, limitations, and appropriate use in business. That work informs realistic assessments of where AI can help, where other approaches are more appropriate, and what implementation risks need to be considered.

WorkEducation