Digital Transformation

Company established in 2015 by 30 financial institutions in Peru to drive financial inclusion with the implementation of the mobile wallet "Bim", world’s first standard and full interoperable e-money account operated with a mobile phone, a product of the collaborative initiative called “Modelo Peru” (“Peru Model”)Report to the Board of Directors of the company, with 11 members, including CEOs and C-level executives of the main financial institutions in Peru.- Increase in transaction activity from 10.3 K monthly transactions worth US$ 34.9 K in September 2016 to 916.6 K monthly transactions (+206% CAGR) worth US$ 44.5 million (+1060% CAGR) in July 2019- Increase from US$ 21.7 K to US$ 6.3 million in annual sales- Partnership with Facebook Inc. to implement P2P transactions in Peru with Messenger app connected to “Bim” accounts- Implementation of correspondent agents and ATMs of the main financial entities, for deposit and cardless withdrawal operations- Implementation of "super" users promoting the service ("Bimers"), generators of the first income of the company through the sale of prepaid airtime top-ups for cell phone users and collections of utilities paymentsSpeaker at local and international events (USA, Spain, Saudi Arabia, Costa Rica, Ecuador) about electronic money and mobile payments.

Professor of Finance and Retail Banking Management, at the Graduate School and the Division of Professional Studies for Working Adults. Member of the Consulting Committee of the Banking Management and Finance Program.

Design and implementation of strategies to reduce student early attrition and to improve student satisfaction, using predictive models of attrition and indicators of retention and satisfaction.

Management of corporate accounts and consultative selling of technology related financing, through payment plans, operating leases, and invoice financing.- Negotiation with executives of IT, Finance and Procurement- Preparation of complex financing structures- Support proposals presented to the Regional Credit Management Team (Brazil)- Results projections and report to Regional Director- IBM Global Sales School 2014-2015: Graduated with Distinction

Fourth issuer bank of credit cards in Peru, a company of Grupo Ripley (retail banking and department stores). US$ 450 millions in assets, 1 million customers, 1500 employees.In charge of product divisions (credit cards, cash loans, deposits, insurance brokerage), distribution channels (25 branches, sales forces), marketing and business intelligence divisions, with 700 employees.- Increase of +54% in credit card sales (from 13k to 20k per month)- Increase of +95% in cash loans sales (from US$ 6.7 millions to US$ 13 millions per month)- Release to market of the first service in Peru of card issuing with personalized photo- Development of an alliance with PuntoTicket, a ticket issuing company, to offer music concert and events as a benefit for credit card customers- Development and launch of a communication and service strategy in Facebook and other social networks- Main Member of the Customer Relationships Committee of the Peruvian Bank Association

In charge of the leading credit card business in Peru, with 1300 people in 5 business divisions (credit cards sales, credit cards product management, insurance brokerage, retail collections and electronic banking). Member of the Board at acquiring companies of Visa, MasterCard and American Express cards:- Visanet Perú (Visa)- Procesos de Medios de Pago (MasterCard)- ExpressNet (American Express)

In charge of defining and implementing the business strategy for the largest ATM network in Peru, and other electronic banking services that include Internet Banking, Mobile Banking and correspondent agents. Known as the most innovative company on electronic banking services for retail customers. Member of the Electronic Money Committee of the Peruvian Bank Association.

Responsible for the Mutual Funds company of Interbank during the financial crisis of 2008-2009. Member of the Mutual Funds Committee of the Peruvian Bank Association.

Leading a team of 400 people, responsible of sales and operations at branches located inside supermarket stores and malls.

In charge of business strategy, promotion and sales of retail banking products (Savings Accounts, Time Deposits, Car Loans, Cash Loans). Effie Award for best marketing campaign of Financial Services in 2003.

Responsible for the Mutual Funds company of Interbank during the financial crisis of 2008-2009. Member of the Mutual Funds Committee of the Peruvian Bank Association.

In charge of Postpaid Cell Phone Plans to retail customers. In charge of building and exploiting the Sales and Marketing Datamart.

Responsible for Deposits Products during and after the merger with Bancosur. Winner of the Business Creativity Award (Premio Creatividad Empresarial) by Universidad Peruana de Ciencias Aplicadas (UPC).

In charge of sales and customer service to pharmaceutical companies buying market audits on sales and prescription of products in the pharmaceutical market in Peru.