Jan 2021 – Aug 2022 · 1 yr 7 mos · Lima, Peru · Remote

• Largest bank in Perú, part of leading financial services holding company, with presence in Colombia, Bolivia, Chile, Panama and the United States (NYSE: BAP)
• P&L owner. Led and executed on product strategy for credit and debit cards, savings and checking accounts, P2P transfers, BNPL and the bank’s loyalty program. Led team of 100+.
• Redefined strategic priorities based on competitive assessment and internal capabilities. Reorganized Payments Division with focus on operational excellence. Improved efficiency by 15% in 6 months
• Turned around credit card business, from a negative ROA of 20% to a positive ROA of 3% within 18 months. Led cross-functional initiatives across, risks, pricing, commercial, finance, operations, technology, and product teams
• Laterally led a team of 20 engineers in project to designing and develop digital features across the debit and credit in-app user experience (e.g., onboarding, authentication, digital card, loyalty, digital wallet provisioning)
• Further developed partnerships: launched Apple Pay, renegotiated co-branded card program with large airline partner

Nov 2020 – Feb 2022 · 1 yr 3 mos

Dec 2018 – Dec 2020 · 2 yrs · New York, United States

• Identified opportunities in credit cards collections strategy through ethnographic research focused on customers' emotional journey
• Diagnosed several digital payments opportunities for global Quick Service Restaurant player through rapid Customer Journey effort and supported by quantitative research
• Conducted global research on consumer perceptions, attitudes, behavior and spending changes related to COVID-19
• Led Customer Journey re-imagination effort for global non-profit, focusing on giving and volunteering experience within digital philanthropy platform - enabled client to execute on set of MVPs
• Designed growth strategy for plant-based meat player in North America, leveraging Demand-Centric Growth methodology (quantitative algorithm to provide differential insights into how consumers choose, translated through to powerful, integrated commercial actions)
• Supported Post Merger Integration program in the payments space in Europe to evaluate and plan execution of revenue synergies
• Designed value proposition and user experience for new credit card product, leveraging Demand-Centric Growth methodology. Developed and tested demo of user experience and enabled client team to execute on vision

Sep 2016 – Nov 2018 · 2 yrs 2 mos · New York, United States

• Evaluated consumer, competitive and regulatory trends to design 5-year strategy for Nicotine Replacement Therapy player in North Europe and sized resulting opportunity
• Assessed fundraising strategy of microfinance nonprofit organization to support their growth aspiration in next 5 years
• Evaluated potential of different players in Consumer goods (e.g., ethnic foods, baked goods, color cosmetics, skin care, etc.), throughout various due diligence processes for acquisition transactions
• Re-designed customer journey for retail credit card. Incubated next generation credit program and enabled client team to execute on vision
• Led Net Revenue Management assessment for multinational pharmaceutical company in their over-the-counter division in Mexico, unlocking potential of $3 million in incremental annual net revenues. Evaluated operational and strategic implications of opportunities and enabled client team to execute on them
• Performed cloud readiness assessment for a global asset management firm seeking to streamline their back office through IT outsourcing and consolidation
• Conducted qualitative and quantitative market research to identify industry trends in the B2B payments industry. Delineated key customer needs to advise large player in the payments industry seeking to enter the B2B space

Jun 2015 – Aug 2015 · 2 mos · New York, United States

• Diagnosed performance of existing customer acquisition funnels of leading music-streaming partners, responsible for 87% of planned growth. Presented recommendations to Sony Music Entertainment’s executive leadership. Recommendations would bring $90 million in annual incremental revenues
• Evaluated viability of integrating digital music with fitness products and estimated potential annual incremental revenues of $10.5 million from top targets
• Modeled new licensing structure for Sony Music Entertainment’s largest airline partner. Proposal was implemented, resulting in $2 million in potential annual incremental revenues

Jan 2013 – Jun 2014 · 1 yr 5 mos · Lima, Peru

• SMEs Loans and Credit Cards
• Identified large opportunity on risk management policies and pricing strategy for SMEs products. Outlined proposal and obtained endorsement of Senior Managers in Risks, Finance and Commercial divisions. Led a team of three in executing three key cross-functional initiatives:
• Restructured cost allocation model among SMEs products, to prioritize offers per client based on customer lifetime value and customer’s life cycle
• Designed the first risk based pricing strategy for SMEs products and deployed revenue based incentives for branch personnel, increasing portfolio’s interest margin by 10%
• Redefined CRM strategy to generate leads. Improved targeting logic, increasing prime SMEs sales and reducing time to market by 75%

Oct 2011 – Dec 2012 · 1 yr 2 mos · Lima, Peru

• Credit Cards
• Led projects to enhance Credit Cards’ profitability and programmed monitoring tools to ensure timely response to opportunities
• Built product lifetime value model to determine optimal credit limit
• Supervised specialized sales force for balance transfers. Redefined incentive model and automated offer generation process, increasing total team’s sales by 39% and contribution to total sales to 35%
• Developed automated dynamic KPI report, allowing team to redefine its strategy based on specific and relevant information

May 2010 – Sep 2011 · 1 yr 4 mos · Lima, Peru

• Credit Cards
• Executed Credit Cards Acquisition strategy in close coordination with Risks, Finance and Commercial Divisions
• Re-launched low performing product for unbanked customers, through cross selling strategy. Simplified sales processes and aligned commercial incentives, increasing sales from 500 to 8000 credit cards per month
• Created customer traffic algorithm based model to determine branches’ sales goals, doubling branches’ productivity
• Redefined criteria used to generate leads, increasing its contribution to total sales from 20% to 80%, tripling sales, and increasing outstanding balance by 70% to $960 million

Aug 2009 – Dec 2009 · 4 mos · Lima, Peru

• Determined the optimal location of a plant that would produce a new product in the brick industry, by evaluating its access to potential markets and its proximity to raw material suppliers
• Assessed the market viability of a new product development as part of a backwards integration strategy in the consumer goods industry

Jan 2009 – Jul 2009 · 6 mos · Lima, Peru

• • Identified all touch points in the public investment evaluation process for agricultural projects and designed a more efficient workflow system