Sergio M.

Experience

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  Banco de Antigua

  Jul 1997 - Oct 2002

  Bank Branch Manager

  • Office management• Staff management• Customer service and business development

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  Banco de la Republica

  Oct 2002 - Aug 2005

  Consumer Credit Manager

  Creating and structuring the Consumer Division for Banco de la República, developing the entire structure, policies and processes for the Division, subsequently managing the Consumer Credit area for the Bank, being this the most profitable and fastest growing for the Bank .Responsible for Banco de la Republica credit card and consumer credit. Manage over 25,000 clients and >100 employees across all Branches. Executed strategic shift to focus the business on the most profitable client segments. Show less

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  Solventa S.A.

  Aug 2005 - Aug 2007

  Credit & Collection Senior Manager

  Developing and structuring of Solventa and Solocobros both Companies were in charge of processed and administered all consumer loans and MSMEs finance for Banco SCI, my role was Managing the Credit Factory and the Collections Company - Solocobros.

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  BANCO DE LOS TRABAJADORES (BANTRAB)

  Aug 2007 - Jul 2008

  Credit Director

  Responsible for the consumer credits process which is the Bank´s main Business, supervise the growth under a controlled environment, maximizing the risk reward balance, based on a close partnership with sales channels, product, segment and business intelligence areas, and especially with the credit operations teams in each branch which executes the strategies defined by the Board.

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  Belcorp

  Jun 2009 - Aug 2010

  Collection Manager for Central America

  Managing the collection areas in each country of the Central America for the company, managing a portfolio of more than 100,000 clients and an anual credit sales of $ .120 million.Direct the call center operation in El Salvador that provided the service to all the Operations in Central America.

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  Vision Fund Guatemala

  Aug 2010 - Jul 2011

  Chief Operating Officer Acting Chief Executive Officer

  Management of the Microfinance operations in the MFI, being in charge of the Direction of the operative areas, Branch network, Credit and Collection area and Legal Area.Development of collection and comercial strategies, as well as the development of new products.

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  Canella S.A.

  Jul 2011 - Aug 2016

  Credit & Collection Corporate Manager

  Corporate administration of the credit portfolios for the Group in its two divisions - Automotive Division and Technology Division, serving B2C and B2B markets.Administration of Credit and Collection areas in all the Business Units and Companies of the Group, managing an annual average of $. 100 million dollars in the credit portfolio placed.

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  Banco Azteca

  Aug 2016 - Jul 2017

  CCO Chief Commercial Officer

  Lead all commercial banking operations, manage the network of branches throughout the country, lead the commercialization of financial services and the collection process.Under my Direction i had a staff of 2,000 in the 170 branches and 40 Collection offices in the Country and Call Center operation.

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  Asociacion Obras Sociales del Santo Hermano Pedro, Frailes Franciscanos Ofm.

  Jul 2017 - Jul 2019

  Chief Financial Officer

  Financial and administrative management of the largest private Health Institution in Guatemala, serving more than 300 thousand people annually, being in charge of the financial and administrative efficiency of Hospitals and health programs, foreign Medical volunteers and donations area.Being my main task the financial sustainability and correct execution of the budget and all the programs of the Institution.

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  Red de Instituciones de Microfinanzas de Guatemala, REDIMIF

  Jul 2019 - Oct 2022

  Board Member

  Board Member for the Network of Microfinance Entities in Guatemala, promoting and strengthening the Microfinance sector in Guatemala and supporting 16 MFIs within the Network.

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  Frienship Bridge

  Jul 2019 - Sept 2022

  Director

  Country Director in Guatemala for Friendship Bridge, providing assistance to more than 40,000 entrepreneurs women yearly through Microfinance Services, and Technical Assistance for Business Development, additionally having several programs that help women to reach Economic Empowerment, such as Agricultural Technical Assistance, Preventive Health, Handcrafts Program to support clients Marketing and the Export of hand made products, as well as a Nonformal Education program for the training of all our clients.Representant for Friendship Bridge to REDIMIF, Camara de Microfinanzas and Asociacion Fintech Guatemala, also served as spokeperson and a column writer for PRENSA LIBRE and DIARIO DE CENTRO AMERICA, publishing an important number of columns regarding Financial Inclusion in Guatemala. Show less

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  Vana

  Sept 2022 - now

  Vice President of CollectionsResponsible for driving the integration of Collections Best Practices across Vana. This role involves reviewing and standardizing collections procedures across all markets to ensure process continuity, strengthen controls, and minimize operational and reputational risks. The objective is to enhance overall organizational performance through effective collections management.General Manager, SME Business UnitOversee all financing operations for the SME segment across Vana's markets. Lead strategic partner relationships and develop customer-centric propositions for SME financing. This includes creating a pipeline of value-added solutions that enhance customer experience, products, and service offers. Show less Leading the Lending strategies and operations in Central America and Dominican Republic, in charge of the development of new credit products for the company also the strengthening of the collection and debt recovery process, credit management, credit risk, analitics, work alongside the growth and data science areas to meet the disbursements and portfolio goals in the countries we operate and will be operating. In charge of financial inclusion strategies and to promote the work VANA does in financial inclusion for the unbanked population, based on the work of giving more than 300,000 loans to more than a 100,000 people in Guatemala alone. Show less

  • Vice President of Collections and General Manager for SME

    Aug 2024 - now

  • Vicepresident of Lending

    Sept 2022 - Aug 2024
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  Krece

  Aug 2024 - now

  General Manager

  Lead the first Microfintech in the region, dedicated to financing MSMEs in Guatemala. Responsible for designing and implementing innovative strategies to deliver dynamic, accessible, and tailored financial products, leveraging technology to foster financial inclusion. Oversee the comprehensive management of operations, strengthen strategic partnerships, and drive the sustainable growth of the institution, contributing to the economic development of micro and small entrepreneurs in the region.