VMC Solutions is a strategic technology partner, focused mainly on Oracle EPM and NetSuite PBCS solutions, and committed to take your business to the next level. As a Country Manager, I am eager to lead the company’s expansion efforts in Panama and Central America, ensuring its continued success and position as a market leader.

As a Partner, I’m responsible for executing the commercial and business strategy of Synergos global management consulting, in Panama. Synergos are business advisors to private and public companies, currently operating in North, Central and South America. Synergos interventions focus on strategic and management elements with relevant economic and qualitative impacts.

• Responsible for drive and grow the consumer credit and debit business in Panama, leading its go-to-market strategy and execution including product and market readiness, marketing plans, P&L management, pricing, portfolio optimization and the service delivery models for both existing and new products. USD 70MM Portfolio growth of 5% YOY during 2020 – 2021.• Head of the Product, Sales and Telemarketing Divisions, leading a 22+ people team.• Responsible for the development and implementation of a consistent portfolio performance management framework, including process optimization & digital transformation to support profitable cards portfolio growth.• Roll-out of the credit card deepening campaigns for Panama. Designed a uniform approach for cards portfolio campaigns including analytics, offer definition, financials and performance tracking. Enhanced the existing segmentation model including risk and behavioral variables to increase profitability in the cards portfolio.• Development of robust relationships and Business Agreements with key partners in the cards business market. Management of the relationship with Payment Network allies Visa and Mastercard.

• Responsible for directing the Cibersecurity and IT infrastructure Programs, composed by a significant number of projects, mostly in Access Control, IT Security Tools, and Information Governance Standards.• In charge of a team of 24+ people, formed by functional and technology professionals. Direction under the Agile/Scrum methodology.• Accomplishment of every value deliverable ontime and cost, achieving a 13% cost efficiecy, for the assigned budget of USD 2.4MM.• Financial Planning and Execution for the assigned budget. Key tasks and resources follow-up, employing the Suite Project Online.• Responsible for leading presentations at the Presidency Comitee, on which the budgets are requested and the executive reports are exposed for the Board of Directors.• Evaluation of the different providers and vendors during the lifetime of the project, leading the Contractual Agreements, negotiation and procurement.

• Responsible for managing, executing and coordinating the corporate credit portfolio strategy (USD 3,400MM), ensuring a profitable and sustainable growth, increasing wallet while maintaining margins (9% CAG during the 3 years, nearly 2 times market growth).• Establish pricing and fees policies, that allow the correct allocation of resources in transactions, increasing the income on this two headings on USD 1.6MM.• Continuous improvement of the processes within the scope of corporate credit products, including the end to end automatization of the corporate credit sale, approval, disbursement and transaction maintenance process.• Equipped the RM sales force with the new tools required for business development (pipeline, credit line efficiency, monthly RM level growth projections, among others).• Management and supervision of the risks associated to the products and processes, identified within the business segments and administered through the life cycle of the products, in a continuous and dinamic approach. Closure of every Audit Issue reported during the period.

• Responsible for Credit Cards portfolio profitability, through the design and execution of commercial strategies, based on the analysis of managerial information and consumer finance market behavior. Cards portfolio of $250MM+ accumulated growth of 15%. Monthly billings of $25MM+ accumulated growth of 26%, through account activation, billing, and retention strategies. Decrease on Monthly Card Attrition on 33%. Promotion and Partnership development with key players on consumer and retail industry.• Credit Cards End to End Process Reengineering and Optimization, decreasing lead average time on 37%.• Responsible for guarantee controls and regulatory compliance for all the consumer business in the Panama Franchise. Audit and controls platform management. All the Audits with satisfactory results. • New Card products design and deployment, which involve product strategy, regulatory framework, workflows and processes, systems customization, and Marketing. • Owner of Corporate Card Product, executing product deployment, commercial launching, Marketing, people training, and service support.

• Direct Responsability for Planning, Sales, Financials, Accounting, Operations, and Projects, for Central American Region. Business development within Panamanian and Central American Markets. Strategic Planning to facilitate business growth.• Assuming full responsibility for the planning and administration of Sales and Operations budgets, which involve resources, people, and infrastructure planning, in order to develop projects and services. Operations control, assuring revenues and margins.• Implementation of new business ventures as a result of the identification of new market opportunities.• Establishment of solid-confident relationships with customers and efficient expectation management.• Overseeing the recruitment, selection and future development of staff.

• IBM Solutions Project Leader. Budget Planning and Control. Active involvement during negotiation process. Responsible for controlling project execution, managing risks and major issues. Responsible for maintaining the estimations agreed during the lifecycle of the project, for time, cost, quality, and scope variables, according to PMI Best Practices. More than 80 projects managed, without exceding the approved budget in any of them. • Direct responsible for the staff assigned to the project, providing ongoing leadership, motivation and direction to the project team. Supervision and training for services and sales employees. Coaching and training to other Project Managers. • Demonstrating continuous effort to improve operations, streamline work processes, and work cooperatively and jointly to provide quality seamless customer service. Responsible for Business and Service Agreements with third parties.• Deep knowledge on Regional IT Industry.

• Responsible for identifying and managing strategic sales opportunities.• Responsible for market research.• Sales Support on IBM servers and personal computers.• Sales proposals development.• Customer Service.