Experience

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  Inversora pichincha s.a. (aig consumer finance group)

  Jan 2007 - Jun 2012

  Otros cargos

  During my tenure at Inversora Pichincha, I held various roles across operational and strategic areas, allowing me to develop deep expertise in process management, operational automation, and financial service optimization. My career progression took me from hands-on operations to managing and analyzing strategic agreements with public and private entities.In my early years, I focused on operational efficiency and payment reconciliation automation, reducing processing times and improving accuracy. Later, as a Senior Institutional Banking Analyst, I worked directly with local governments, territorial entities, and financial sector organizations, ensuring the efficient management of agreements and enhancing the customer experience for institutional clients.🚀 Key Achievements:✅ Operational Process Automation: Implemented Excel macros and database integration tools, reducing processing times and improving operational efficiency.✅ Management of Strategic Agreements: Supported the implementation of 150+ corporate payment agreements, including key partnerships with EMCALI and CODENSA, optimizing the payment infrastructure for large corporations.✅ Optimization of Institutional Client Relations: Designed support and maintenance models for municipalities, governors’ offices, and territorial entities, strengthening institutional banking management.✅ Operational Efficiency Improvements: Reduced payment processing and reconciliation times by over 30%, ensuring greater accuracy and faster financial flows.Through my focus on process optimization, operational innovation, and institutional relationship management, I significantly contributed to enhancing the efficiency and growth of the organization’s financial processes. Show less

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  Banco pichincha colombia

  Jun 2012 - Apr 2021

  As Product Manager, I led the end-to-end strategy for consumer and educational loan products, transforming them into highly competitive solutions with a strong focus on user experience and digitalization. I defined the vision, roadmap, and evolution of the portfolio, aligning commercial objectives with innovation and digital transformation.I implemented a 100% digital operating model, ensuring business continuity during the pandemic and increasing customer conversion by 30%. Additionally, I developed growth strategies that included strategic partnerships with over 500 educational institutions and a fintech, expanding the loan portfolio and positioning the bank as a leader in educational financing.🚀 Key Achievements:✅ Digital Transformation: Implemented a fully digital onboarding process, enabling 100% online loan approval and disbursement, improving conversion rates and reducing processing times.✅ Portfolio Expansion: Established partnerships with over 500 educational institutions, enabling thousands of students to finance their studies nationwide.✅ Innovation in Credit Models: Integrated risk assessment and data analytics tools, optimizing decision-making and improving portfolio quality.✅ Growth Strategies: Designed cross-selling and up-selling campaigns, driving customer retention and portfolio profitability.✅ Strategic Partnerships: Developed a financing model in collaboration with a fintech, enhancing the bank’s credit offerings and strengthening its value proposition.My strategic focus on innovation, digital transformation, and process optimization strengthened the bank’s loan portfolio, driving customer acquisition and retention. Show less As Senior Coordinator of Payment Methods, I led the design, implementation, and optimization of the credit, debit, and prepaid card portfolio, strengthening the bank’s payment strategy and consolidating its position in the financial sector.I successfully certified the bank as an acquirer for major international franchises such as VISA, MasterCard, American Express, and Diners Club, enabling business expansion and integration with global payment networks. Additionally, I was responsible for structuring and launching new payment solutions for individuals, SMEs, and corporate clients, enhancing the bank’s value proposition.🚀 Key Achievements:✅ Card Portfolio Development: Designed and launched credit and debit cards for individuals and businesses, including exclusive benefits for SMEs and corporate clients.✅ Expansion of the Payment Ecosystem: Led the acquiring strategy for international franchises, positioning the bank as a key player in the payment industry.✅ Innovation in Prepaid Cards: Established a strategic alliance with NovoPayment, enabling the issuance of corporate prepaid cards, with clients such as Rappi.✅ Growth in Card Placement: Achieved a 35% adoption rate of credit cards among active clients and 25% penetration in the corporate segment.✅ Optimization of Payment Strategy: Developed and implemented a pricing and profitability model, ensuring the sustainability of the product portfolio.My focus on innovation, strategic alliances, and digital payment transformation enabled the bank to strengthen its payment ecosystem, enhance product penetration, and generate new revenue streams. Show less

  • Product Manager - Consumer & Educational Loans

    Apr 2017 - Apr 2021

  • Senior Coordinator - Payment Methods

    Jun 2012 - Apr 2017
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  Freelance

  May 2021 - Jan 2022

  Independent consultant – organizational strategy & new business development

  As an Independent Consultant, I advised startups, universities, and companies on the design and implementation of organizational strategies and innovative business models. My focus was on creating new business lines, structuring financial models, and developing expansion strategies, enabling organizations to successfully validate and scale their initiatives.I guided companies through the ideation, validation, and launch of products and services, ensuring that their value propositions were sustainable, scalable, and aligned with market trends. I also implemented alternative financing models, directly impacting customer acquisition and financial resource optimization.🚀 Key Achievements:✅ New Business Model Validation: Supported a startup in achieving product-market fit within its first year, ensuring sustainability and scalability.✅ Innovative Educational Financing: Designed and implemented a tuition financing model for a university, achieving 60% of tuition fees financed through this system within the first 18 months.✅ Expansion Strategies: Applied Lean Startup and Design Thinking methodologies to help companies validate and scale products and services efficiently.✅ Financial Resource Optimization: Developed profitability and funding models that improved business sustainability and accelerated growth.My expertise in innovation, strategy, and financial sustainability enabled startups and traditional businesses to consolidate their business models, optimize resources, and accelerate growth in competitive markets. Show less

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  Banco finandina

  Jun 2021 - Nov 2021

  Co-branded partnerships coordinator

  As Co-Branded Partnerships Coordinator, I led the restructuring and optimization of Banco Finandina’s co-branded partnerships, focusing on sustainability and profitability. I evaluated and redesigned a portfolio of 15 co-branded alliances, ensuring a stronger value proposition for partners and increased revenue for the bank.I strengthened commercial relationships with strategic partners, revitalizing underperforming initiatives and aligning business expectations with the bank’s vision. My focus was on the personalization of the value proposition, ensuring that each co-branded product had differentiated attributes and a sustainable financial structure.🚀 Key Achievements:✅ Revitalized Strategic Partnerships: Successfully brought three struggling co-branded alliances to breakeven, increasing their placements and profitability.✅ Portfolio Optimization: Designed and executed a remediation and optimization plan for underperforming co-branded partnerships, laying the foundation for sustainable growth.✅ Strengthened Commercial Relationships: Implemented a communication and follow-up strategy with partners, restoring trust and generating new opportunities for joint growth.✅ Increased Portfolio and Customer Base: Launched positioning and retention strategies that expanded the bank’s loan portfolio and attracted new customers through co-branded products.Thanks to my focus on innovation, commercial strategy, and partnership optimization, I boosted the profitability and sustainability of Banco Finandina’s co-branded partnerships portfolio. Show less

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  Credibanco

  Nov 2021 - Jan 2022

  Digital channels specialist

  As a Digital Channels Specialist, I took on the challenge of optimizing CredibanCo’s digital strategy for merchants, focusing on the implementation and enhancement of new transactional platforms. I led the strategic redefinition of a new merchant app and a suite of digital services, ensuring a more efficient execution aligned with market needs.I introduced a Lean Startup-based agile model, enabling the company to accelerate the validation and development of its digital solutions, reducing execution times and maximizing the impact of each initiative.🚀 Key Achievements:✅ Strategic Optimization: Redesigned the implementation strategy for the merchant app and digital services suite, ensuring a more efficient rollout aligned with business objectives.✅ Time Reduction: Developed a Lean execution model, streamlining processes and accelerating the deployment of key initiatives.✅ Enhanced User Experience: Proposed UX/UI improvements to the app, optimizing navigation and accessibility to maximize merchant adoption and engagement.✅ Digital Channels Vision: Implemented a management methodology focused on growth and scalability within the digital payments ecosystem.My focus on digital optimization, payment innovation, and user experience improvement accelerated CredibanCo’s digital channel strategy, strengthening its financial ecosystem and driving the adoption of transactional tools. Show less

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  Sistecrédito

  Jan 2022 - Aug 2024

  As Head of Product, I led the strategy and execution of the Financial Products division at Sistecrédito, managing a cross-functional team of over 100 professionals, including Product Managers, UX/UI Designers, and technology teams. My focus was on designing and developing innovative financial products, optimizing key processes, and scaling operations to strengthen the company’s leadership in the fintech sector.I defined and executed a strategic roadmap aligned with international expansion and digital transformation, positioning consumer credit and factoring products as market-leading B2B2C solutions.🚀 Key Achievements:✅ International Expansion: Spearheaded the expansion strategy, designing an adaptable credit core that enabled Sistecrédito’s entry into Panama, reducing loan approval times by 40%.✅ Exponential Growth: Implemented initiatives to attract clients and partners, achieving a 42% increase in B2C customers and a 65% growth in B2B partners.✅ Risk Optimization: Developed an AI-based risk assessment model, reducing delinquency rates by 15% in just three months.✅ Operational Efficiency: Designed a partner compensation system, cutting settlement times by 60% and strengthening partner trust.✅ Digital Transformation: Led the development of a new credit core and tech ecosystem, enhancing operational efficiency and business scalability.With a strategic vision and results-driven leadership, I helped position Sistecrédito as a benchmark in the fintech industry, driving innovation, efficiency, and international expansion. Show less As Chief Product Officer, I led the comprehensive product and digital channel strategy at Sistecrédito, designing a diverse portfolio to enhance competitiveness in the fintech sector. I managed a 45+ member team of product, UX/UI, and technology experts, ensuring the development and evolution of innovative solutions that accelerated business growth.I defined an ambitious roadmap, implementing Product Strategy, Product Discovery, and Product Delivery methodologies to transform operational models and drive scalability. Under my leadership, digital products and B2B, B2C, and B2B2C ecosystems were consolidated, optimizing user experience and maximizing profitability.🚀 Key Achievements:✅ Portfolio Expansion: Designed and launched innovative solutions like SistePay, SistePass, and SistePagos, strengthening the company’s fintech ecosystem.✅ Loan Growth: Implemented acquisition and engagement strategies, achieving a 40% increase in loan placements and reducing application abandonment rates by 63%.✅ Digital Transformation: Led the end-to-end digitalization of partner and customer onboarding, enhancing conversion rates and streamlining user experiences.✅ Innovation in Payments: Spearheaded the development of SistePay, a payment gateway enabling interoperability across multiple transaction methods, increasing financial efficiency.✅ Strategic Leadership: Established and implemented an agile product management model, integrating methodologies like Scrum, Lean Startup, and Design Thinking to streamline product development.✅ Platform Optimization: Oversaw the launch of new mobile apps and web platforms for partners and customers, significantly increasing adoption and service usage.With a strategic vision and a strong ability to merge business, technology, and innovation, I positioned Sistecrédito as a leading player in the digital transformation of the financial sector. Show less

  • Head of Product

    Oct 2023 - Aug 2024

  • Chief Product Officer

    Jan 2022 - Oct 2023