David Alejandro Ramirez Palacios Email & Phone Number

Cali, Co

Cali, Valle Del Cauca, Colombia

Head of payment system (6 direct reports). Lead the product strategy of debit card, credit card and acquirer business. Develop partnerships, design commercial plans, create new products and services, and full P&L responsability.Key results and achievements:* 87% of growth of new credit cards in 2021 vs 2020, and 72% 2021 vs 2019.* Launch of two co-branding credit card programs.* New digital services launched: - Card block and unblock in mobile banking and online banking. - International Traveler customer notification in mobile banking and online banking.

Pereira, Colombia

To increase the foreign direct investment in Pereira city and Risaralda providence.

Colombia

Planned and executed the business strategy for business credit cards to achieve financial product goals. Defined commercial plans with Visa and MasterCard. Analyzed the new services for business credit cards that both network companies, Credibanco and Redeban, proposed to the Bank. Key results and achievements: modified the product value proposal; redesigned the allocation of cost and income of distribution credit cards; developed and maintained partnerships with wholesalers and retailers for the distribution credit card product (Yamaha, Avianca, Pricesmart, Hyundai, and Sk Berge).

Tulsa, Oklahoma Area

Building long-term relationships with existing and new customers through retail banking products.

Colombia

Managed the portfolio of select co-branding credit cards. Controlled profitability, product value proposals, and the outcome of the co-branding credit cards (New accounts, credit card usage cycle, and Outstanding), and account management relations with the partners.Key results and achievements: managed most profitable brand; designed the new allocation channels inside of partnerships’ store; launched new co-branding credit cards (Credit Card Yamaha and Credit Card Refinancia); redesigned and improved the Claro Co-brand credit card. • Key account management of partnerships: Claro (America Móvil), Yamaha group, Gas Natural (Fenosa group), Directv, Refinancia (Encore Capital Group).

Colombia

Controlled profitability, product value proposal, and the outcome of the credit cards co-branding. (New accounts, credit card usage cycle, and Outstanding). Managed relations with the partners (Movistar, Alkosto, Amway, and Saludcoop), and identify new allies.Key results and achievements: prepared, presented, and successfully bid for the Movistar partnership. The Movistar credit card was a strategic project for the Bank, because it forecasted 120,000 new credit cards in 5 years. Prepared and presented a bid to co-brand credit cards in different industries such as airline companies, and telecommunications companies.

Colombia

Coordinated the positioning and usage of the co-branding credit cards based on the project goals and the expected profitability.Key results and achievements: designed the proposal of the credit card, financial analysis, and launched of Alkosto credit card. Alkosto is the fourth largest warehouse supermarket in Colombia; coordinated process of sales and delivery of Porvenir credit card, which delivered 3,000 – 4,000 new credit cards monthly; and, was promoted to an advanced grade within 12 months.

Colombia

Planned, designed, executed and controlled the marketing activities to increase the new debit cards, and their use through technology, with a budget of over a billion Colombian pesos ($500,000 USD); managed the campaign “Compre Más y Gane” (buy more and win), between September and October 2007, getting a growth in the purchases in the commerce with a 4% over increment in the segment.

Colombia

Analyzed and tracked the commercial performance of the branch offices in the Bank network, and managed incentive plan for the sales force, guaranteed the budget fulfillment, and focused the incentives on the most profitable products of the portfolio.Banco de Bogota is the second largest bank in Colombia, and it is owner of BAC credomatic – a Banking group in Central America. Banco de Bogota belongs to Aval Group which is largest banking group in Colombia.

Certificate, International/Global Studies

Global issues with focus in international business

English As A Second Language

Master'S Degree, Ingenieria Industrial

Ingeniero Industrial