Advising on commercial committee, focused on growth. Sabbi is a wealthtech startup developing a community of savvy investors to harness their collective expertise and to enable less-savvy investors to access private markets.

The Carbon Company harnesses the collective power of everyday people to accelerate progress towards solving climate change. To engage and mobilize millions of people, we make it very easy and meaningful to be part of the solution. Our first product is The Carbon Card: a credit card that every time you use it, you are funding climate solutions.

Consulted on Growth and Sales strategies for micro lending LatAm startup. BaldeCash enables working college students to purchase and finance a laptop to study and work better.

• Built 0-to-1 digital SMB lending solutions: doubled salesforce productivity • Tested and rolled out financial inclusion solutions challenging credit risk policies• Led agile teams to improve customer journey: increased NPS from 46% to 66%• Revamped team (45) in product, marketing, analytics and transformation• Launched debt relief solutions in one week to reschedule 700K SMB and communal loans. • Improved profitability through cross-sell and product enhancements• Reached 79% cross-sell rate with new microinsurance bundles for underserved customersCompartamos Financiera (part of Gentera Group from Mexico, #1 in LatAm microfinance) provides entry level financial solutions to boost customers’ dreams through financial inclusion. Role spanned from product and marketing management to digital transformation to enhance our value proposition to emerging segments.

• Led GTM strategy for instant digital SMB microlending: doubled sales in 8 months• Leveraged partners’ alternative data and distribution channels to target SMBs• Pivoted to 100% digital onboarding to increase referrals and conversion rates• Developed digital micro payments model to replace currency• Started two new major FMCG partnerships• Managed team of 40 associatesTienda Pago is a QED & Kaszek-backed fintech startup, micro lending and payments. Tienda Pago provides working capital to traditional merchants (tenderos) through its lending and cashless collection platform, which leverages technology to enable 100% digital onboarding, authorization and disbursements to FMCG partners. Partnering with top-notch global brands, Tienda Pago enables its customers to grow and accomplish their dreams through financial inclusion. Tienda Pago operates in Perú and México.

• Led agile teams to build one-stop-shop mobile solution for underserved • Increased lending growth and profitability via analytical pricing and marketing• Co-developed technology roadmap to leverage regional digital factory • Built 0-to-1 financial inclusion payment solution to upsell credit cards• Managed team of 15 associates.Banco Falabella Perú S.A. is the top credit card issuer and the 8th bank in Perú, and part of the Latam largest retail group: Chile-based Falabella operates in 7 countries

• Restructured the management team and rationalized regional footprint and get• Devised turnaround strategy and got board approval• Oversaw restructuring of banking debt and HR practicesIasacorp International S.A. was a $100MM-sales, 500-points-of-sale regional retailer, headquartered in Lima, Peru and with operations in Chile and Colombia, and partnerships in Mexico and Venezuela.

• Ignited consumer lending growth with credit risk teams: grew 16% vs 10% market CAGR• Restructured branch network to focus on OKR-driven sales discipline• Implemented segment value propositions leveraging AI models• Managed team of 150 associates

• Devised turnaround and GTM strategy: grew from 15% to 21% market share to take over market leadership position in 18 months• Built strong analytical team and test-and-learn culture: 13% ROA via credit and marketing tests• Co-developed credit risk strategies to grow rapidly in 2007 and to overcome recession in 2009• Built partnership strategy and co-branded programs with retailers, airline and telco• Took over American Express exclusivity: issuer and merchant acquiring businesses• Board member at Visa, MasterCard and American Express local merchant processing companies• Managed team of 35 associatesInterbank is the 4th largest bank in Perú and the largest credit card business in outstandings. Interbank is the first portfolio company of $2.8bn-market-cap Intercorp Financial Services (NYSE ticker: IFS), part of $6bn-market-cap Intercorp group

• Built 0-to-1 and launched co-brand credit card to enable 25% of total sales• Developed new upscale supermarket chain and created unique loyalty program registering 70% of total sales• Managed Visa and MasterCard relationships as a merchant• Managed 220 associates including sales and customer service repsSupermercados Peruanos is the #1 supermarket in Perú and the first portfolio company of $3.3bn-market-cap InRetail Peru Corp. (NYSE ticker: INRETC1), part of $6bn-market-cap Intercorp group.

• Scaled consumer deposits via digital and direct marketing: $7B to $12B balances• Built partnership strategy and developed Costco channel: grew to 20% of total deposits• Implemented hundreds of integrated marketing tests to build low-cost deposits franchise• Managed team of 19 associates: business analysts, project managers and data analystsCapital One Financial Corporation is a top US credit card issuer

Assisted in building strategy for top-10 U.S. bank’s credit card business, among other projects. Performed primary and secondary research in financial services and utilities industriesSummer associate in Washington DC office June-August 1999 - full time offerMercer Management Consulting was merged and renamed Oliver Wyman Consulting