• Redesign analytics with a cross functional team of 8 to implement an accurate and comprehensive Cards performance scorecard in Mexico with 5 years history, including drivers, financials, ratios, Key Performance Indicators (KPIs) in a monthly basis: 1) Product Profitability Report (PPR). 2) Developed/ implemented/documented an expense product attribution framework for cards and another framework for credit decisions. 3) Created a vintage product profitability 4) Created a Month on Books (MOB) curves by product. 5) Develop a Portfolio lifecycle set of information to support product performance management. 6) Established routine reviews with analytical discussions.• Coordinated deep dive analysis to improve on Acquisition and Attrition, ANR mix and Rewards and will drive transparency and significant financial improvement to the Business.• Partnered with global independent risk to assess income/ability to pay across 6 countries to benchmark across them and leverage the turnaround risk process in Mexico.• Partnered with Mexican risk team to implement/improve a new income/ability to pay process.• Rewards program: partnered with global teams to deliver a compile document with facts and recommendations to improve performance and reduce cost per point (CPP) in Mexico and Brazil

• Launched in depth analysis on product design and customer experience with the goal of launching a Citi Flex Pay (installment plan) and Citi Flex loan in US. • Completed go to market recommendation with Agile, Technology, Product and Customer Experience, ensuring digital product and experience is competitively superior in US• Partnered with international markets to define leverage points in digital and capabilities for card based installment programs • Drove development of digital lending capabilities for purchases, including Assess alternative/hybrid solutions and working with external partners and solution providers • Led the development of lending investment approval, roadmap, financials, project plan, timeline in US. Managed a team of 3.• Established management routines to review metrics (KPIs) on a consistent basis and identified actions to optimize program performance. Created a monitoring plan/framework/dashboard for Debt Consolidation and Installments products.

• Acting Brazil Cards Head & Remote Channels Acquisition Director• Responsible for Cards activities in Brazil (2014/2015) including Remote Channels Acquisition, managed a team of 52 with a portfolio of 950 thousand cards with revenues of US$ 300 million (2014 figures). Responsible for customer acquisition, portfolio management, usage, partnerships and the Diners Club network in Brazil reporting to the Consumer Head.• Delivered the Brazil market engagement post Credicard sale 2013/2014 supporting local team in the development of a long-term positioning plan for the market facing credit, competitive and regulatory challenges. The return was an improvement of 21% of the 2013 FY EBIT and 55% of the 2014 FY EBIT with a acknowledge recognition from Global Cards CEO and LATAM Consumer Head - Established a governance process with the senior leadership team post Credicard Sale in order to facilitate the strategic planning, drive to decisions, and ensure the timely flow of information across Cards - Implemented revenue-enhancing opportunities, including pricing and rewards management (impact US$13MM) - Personal Installment Loan & Extended Payment Plan - Implemented a structured ( offer, channel, value proposition ) strategy for affluent segment - Transformed the channel mix for a better acquisition funnel, improving activation and optimizing the cost - Reengineered and collaborated with Finance and O&T,in order to drive higher efficiency and reduce stranded cost post sale. (Impact US$ 6MM) - Reviewed key expense allocations (funding cost, expenses) and promote standardization as appropriated. • Created an analysis of our turnaround markets that was intended to help measure and understand how well we are executing on our stated strategy. This analysis has been shared with the Global Cards leadership team with a very positive feedback.

• Spearheaded with SWAT team, promoted remote and on-the-ground support to the enhancement of business portfolio model on deep dive projects through International Cards markets. Drove effective engagements model on market opportunities. • Investigated revenue-enhancing opportunities and evaluate re-engineering theme to drive higher efficiency.• Led on-the-ground efforts focusing on business restructuring/redesign of operational infrastructure in several markets across all regions with significant proven track record of driving results into EBIT: UK (US$ 4MM), Brazil (US$ 5MM), India (US$ 2MM), Taiwan, Turkey (US$ 3MM), Hungary (US$ 1MM), Russia and Colombia. Challenging conventional thinking and status quo within the business. Reporting to International Cards COO.• Advanced operational efficiency, boosted productivity, implemented performance management systems, reengineered processes, bettered sales and revenue, and developed/mentored all levels of people. - Developed operational processes to support end-stage business model (at product/segment level) - Led revenue and pricing initiatives team to architect a business repositioning strategy for growth challenged businesses in emerging markets. Led revenue and pricing initiatives. - Assessed revenue and cost structure and improved profitability of each product/segment as appropriated - Developed implementation plans with intermediate milestone, highlighting investments/dependencies - Proposed service-cost trade-off options to business management if profitability targets are not met• Implemented international cards datamart to deliver consistent and automated daily / monthly KPIs, standardized monthly reports on business performance, and profitability reports by vintage, product, segment, and across LATAM and EMEA.

• Led Business Planning and Analysis focusing on leverage the revenue opportunities and expense reduction efforts.• Developed innovative analytical approach to provide more meaningful managerial information;• Provided support to the cards senior management team based in Fort Lauderdale and NY and to the Card businesses across LATAM with particular focus on Business Planning & Analysis with a team of 5 in US and matrix reports in the countries.• Assisted the Latin America Regional Cards Director manage the strategic and tactical requirements that drives incremental account growth, activity and profitability for credit cards; • Ensure P&L data accuracy throughout the monthly and yearly financial cycle and that results (New Business, Attrition etc.. as well as financials) are in line with the most recent forecast and highlights, providing explanation for any variances;• Optimized and implement best practices within the region benchmarking with International Cards. • Responsible for implementing required accounting policies and metrics, ensuring compliance with accounting policy standards; Evaluated and dimension profit potentials for new products, new partnership and potential portfolio acquisition opportunities. Responsible for analyzing and recommending enhancements to key functional cost factors, by tracking/evaluating the P&L.

Responsible for Consumer Bank Expenses and participated actively in the implementation of Expense Reduction Program through strategic planning cost management since 2001. Conducted Restructuring Process towards significant cost reduction; • Managed a team of 10.• Consumer Deputy CFO.

• Responsible for all financial business information, consolidating/reporting the management information to Regional Controller;• Provided support to Latam Controllers analyzing income, expenses and finacial modeling for the region;• Strong interface with Business areas. Coordinated with NY all matters regarding Financial Control functions for Latin America.

Equity Investment Transactor (Jul 95 - Jun 97)Financial Analyst (Dec 90 – Jun 95)