Jorge Jarroug Email & Phone Number

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Hargos’s main goal is to develop several processes in the BPO – Business Process Outsourcing concept, thus contributing to our clients’ core businesses, such as: Credit Collection, Non-financial Asset Recovery, Product and Service Commercialization, among other services of major relevance.

- Responsible for the the Policy, Strategy and Operations of Collections, Recoveries and Credit Restructuring for Carrefour Bank Portfolio, R$ 4bln, with 18 internal resources and more than 800 outsourced resources.- Responsible for Collection Planning, Pricing & Discount and renegotiation tools/programs;- Responsible for apply analytical customer segmentation into collections portfolios in order to define the best pricing offer;- Develop and implement an operation to treat pre delinquency clients with a high probability to default offering restructuration tools;- Define key collection indicators to measure collections portfolio;- Introduce test and control strategy in the politics of pricing, monitoring and making necessary changes to maximize the return;- Leader of the project for prospection and implementation of a new collection system (Inffinix Cyber);- Implementation of a Decision engine for Collections (Experian Probe SM);

Treatments Strategy and Segmentation. Remedial tools Policy and Management.Monthly Performance Review and Target Definition.Link between Operational Performance and P&L.System Development, Parametrization and Management - Control Desk (Dialer, workflow).Asset Sale Management.MIS (Ops & Analytics BAU and Ad-hoc reports).Process and Control Management (policy, process, procedures, SLAs and controls).Project Management (Target Dates and Deliverables, Prioritization).Qualitative Performance Strategy

New York, New York, Us

- Responsible for recover more than US$ 210 million (year) in 3 business (Cards; Retail Banking and Consumer Finance);- Leverage the Recovery results in more than 14% YOY, from 184MM USD to 210MM USD in 2012. Implemented collections fairs as a BAU process, increasing the recovery performance of some segments in more than 48%. - Responsible for managing the external collection relationship team;- Define and apply the rules to manage 25 collection agencies;

New York, New York, Us

• When creating a new financial product, we are responsible for all development management by risk vision. Policy definitions along with acquisition, fraud, maintenance, collections, sales and technology;• Risk management of the Payroll product. Analysis of the profitability of new companies. Elaboration of BIDs. Elaboration / Flexibilization of credit policies to increase profitability;• Corporate Card risk management. Analysis of profitability of the main companies. Product expense management with the creation of several actions to reduce costs, maximizing profitability. Generation of MIS to monitor the credit performance of the product.

New York, New York, Us

• Development of a model to monitor the performance of financing products offered on the card (personal loan and instatement installments);• Centralization and monitoring of risk budget expenses (including operational areas for collection, acquisition and fraud). Active participation in budget reviews aiming cost reduction and optimization of credit cycle processes;• Monitoring of the main portfolio indicators to aid decision making in peer areas;• Monthly presentations for the regional and global clusters;• Interaction with the area of finance / products in projects of creation new products focused on maximizing profitability;• Participation in the elaboration of the P&L of new products, analysis of the bases sent by the partners to estimate the performance of potential prospects;• Participation in the migration project for the Vision Plus platform;• Ad Hoc projects to analyze performance and profitability of products and segments.

Dublin 2, Ie

• Project to improve the operational efficiency of the back-office processes of a large card processor;• Strategic channel planning project for a large multinational bank in Brazil;• Elaboration of a proposal with a high-level business plan - for an important wholesale bank - with the objective of analyzing the attractiveness and viability of the Bank's entry into the credit card market (co-branded), together with a medical company;• Participation in the definition / implementation for a leading insurer, a single quotation system, proposal capture, issuance and administration of contracts, insurance financial administration, claims administration, among others.