ESG startup delivering innovative solutions to help mitigate climate change effects and promote circular economy.

Led TFS business in Puerto Rico deploying strategies to increase competitiveness while implementing an accelerated digital transformation. Redefined strategic vision to reinforce sustainable growth of 80% in the retail auto financing portfolio business driving earning assets and profitability growth 4X while building foundations to evolve as a mobility company. • Launched car-sharing program start-up. KINTO PR, focusing on connected-HEVs for ride sharing & last mile delivery.• Built strategic partnerships with multiple players to explore new business models within the shared-mobility spectrum. • Designed expansion in Caribbean market through an International Financial Entity to expand value proposition. • Enhanced market penetration by building solid relationships with multiple OEMs to deliver white-label auto financing.• Implemented proprietary payment facilitator to reduce processing costs & improved operational efficiency.• Created quantitative risk models to optimize pricing and to improve capital allocation while attracting targeted segments. • Introduced robust technology to enrich customer experience by implementing auto-credit decision and e-contract.• Improved customer journey by implementing a seamless onboarding experience enhancing digital channels penetration. • Developed capabilities to manage leasing & used-car market trends to improve residual values & remarketing process.

Lead TFS business unit in Venezuela. Plan the long term strategy. Leverage team members’ potential through encouraging leadership to achieve outstanding hard and soft results to ensure sustainable and profitable growth. • Motivated people and aligned resources to ensure inter annual portfolio growth over 40% for five consecutive years.• Achieved profitability targets under uncertain conditions.• Strengthen relationships with stakeholders by implementing a solid Loyalty Program.

Led the financial and risk management practice. Planned the long term business strategy and designed new financial products. Coordinated expansion projects. Planned, structured and implemented the access to Capital Markets for TFS. Consolidated functional committees ALCO and Risk Management to reinforce the corporate governance structure.• Planned and executed the issuance of corporate bonds at the lowest rate for private companies in local markets.• Designed, proposed and successfully implemented an Assets Sale Program to ensure risk management.

Developed and maintained a competitive pricing strategy based on global guidelines. Negotiated bank credit facilities. Planned and executed company cash management strategy including raising funds to meet business growth. Planned, evaluated and presented new products to the dealer network. Designed local policies and procedures to comply with Corporate Treasury Standards. Developed relationships with local banking network. • Coordinated a bank feasibility study and proposed a private placement program to reduce cost of funds.• Established the Enterprise Risk Management framework in the company and TSV first Kaizen Champion.

Established the internal control system and developed accounting and cash flow procedures for a start up operation. Prepared Financial projections aligning specific objectives to Corporate Goals. Executed activities related to the incorporation of the company. Developed a credit support structure. • Ensured tax and legal compliance for a start up organization.• Developed the initial set of financial reports in local and US GAAP standards.

Defined and implemented a corporate supply chain streamline strategy. Expanded and consolidated Exports, Imports and Corporate Purchases departments. Implemented SAP and improved processes reaching savings of 12% in supply chain.

Coordinated Financial Planning activities. Prepared and evaluated capital projects. Prepared annual budgets and consolidated financial statements and operating reports. Analyzed product margins for itinerant export markets.

Planned and prepared financial statements, reporting, tax. Developed and executed internal control compliance. Prepared long term financial planning. Led Quality Assurance program. Achieved ISO 9000 certification

Consolidated and analyzed financial statements and prepared corporate and regional reporting. BI specialist

Evaluated and consolidated financial statements. Prepared audit reports for domestic and international corporations. • Developed skills to work with high level performing teams, achieving results under pressure.