Max Nino-Zarazua Email & Phone Number

Bath, United Kingdom

• I have proven experience as a results-driven consultant with a successful track of assignments. I am a pragmatic and creative person who enjoys creating solutions to complex situations and transforming business.
• FinTech & Digital Financial Services, experience with FinTech models, promotion and enhancement of Sandbox, SupTech/RegTech implementation, Open Finance engagement, and DFS for low-income… Show more I have proven.
• FinTech & Digital Financial Services, experience with FinTech models, promotion and enhancement of Sandbox, SupTech/RegTech implementation, Open Finance engagement, and DFS for low-income populations.
• Innovation & Product development: Design and launch of innovative client-led financial services and programmes.
• Design, implementation and evaluation of projects.
• Evaluation: Social impact assessment, Institutional assessment.

United Kingdom

The 'From Research to Practice’ Action Group (AG on Research) was created in April 2020 as an initiative to bring evidence-based research, best practices and new technologies to financial inclusion practitioners with the aim of contributing to improve the lives of the populations in developing countries served by the financial sector. The AG Research is.

Bristol, United Kingdom

I joined DEKI’s board of trustees to provide over 20 years of experience managing teams and leading the growth of microfinance institutions, banks and development organisations. I have a passion for innovation, strategy, financial products and business solutions that work for the poor together with my academic background and extensive practical experience.

Mexico - United Kingdom

• Led the direction and implementation of the of the 3-year, £10 million Mexico Financial Services (MFS) programme. The MFS programme was a aimed at increasing financial inclusion in Mexico through three interventions.
• Successfully designed and implemented two editions of the Sandbox Challenge competition awarded 14 FinTechs in partnership with the Banking Commission and the Pensions Commission attracting more than 300 FinTechs from.
• Provided TA for Open Finance Phase I and II, and the initial stages of Phase III together with the co-funding collaboration with the Inter-American Development Bank.
• Successfully completed the development of SupTech platform Phase I.
• Completed the National Policy for Financial Inclusion Platform for the Banking and Securities Commission
• Successfully designed and implemented Caravana FinTech initiative facilitating 53 virtual events impacting more 770 MSMEs, more than 3,600 people with the participation of more than 140 FinTechs and collaboration of.

Barcelona Area, Spain

Storm is a start-up that is testing Troka- a marketplace platform that provides micro business in the Global South with digital technology and tools to gain access to affordable working capital loans. Troka links a point of sale app with a marketplace platform enabling micro merchants to manage their business, sell digital services and accept card or.

Bath, United Kingdom

• Bath Social Development Research Ltd (Bath SDR) is an applied research social enterprise based in Bath, UK. It specialises in assessing the impact of development interventions through an innovative tool called the.
• Assessment of the social impact of housing microfinance (HMF) on clients wellbeing.
• Institutional analysis and sustainability of HMF. Lead Evaluator and Project Manager of the YQYP programme aimed at improving the wellbeing and productivity of Textile & Apparel workers in Mexico, C&A Foundation.I led.

Mexico City Area, Mexico

• Led the development and commercial operation of housing financial products for the low-income sector, reporting to the CEO.Key achievements:
• Led the housing microcredit portfolio of US$65 million with 300 points of sale and a team of 120 people.
• Established strategic alliances and joint ventures with the public and private sector.
• Key member of the product development team including product design, piloting and roll out.
• Developed and implemented a branchless… Show more Led the development and commercial operation of housing financial products for the low-income sector, reporting to the CEO.Key achievements:
• Developed and implemented a branchless operation.

Mexico City Area, Mexico

• Consubanco is the leading consumer credit banking institution, subsidiary of one of the largest supermarket chains in Mexico. I successfully designed, launched and led the day-to-day operation of a microfinance.
• I led from scratch the design, project implementation and launch of a profitable microfinance institution, with 50 employees and a US$2 million loan portfolio working with tight deadlines, limited… Show more Consubanco.
• I led from scratch the design, project implementation and launch of a profitable microfinance institution, with 50 employees and a US$2 million loan portfolio working with tight deadlines, limited resources and budget.
• Designed and implemented village banks and a micro insurance product including product development, credit policies and processes, building and training teams, and branch set-up.
• Led the day-to-day operation.
• Developed and implemented tools to control the operation.

Monterrey Area, Mexico

• Credito Firme is the microfinance institution of AFIRME bank, the largest bank of the North of Mexico. I led the growth of the operation including product development and strategic planning, reporting to the CEO.Key.
• Led the development and innovation of microfinance products including village banks, solidarity groups, individual microloans, consumer loans and micro insurance products for low-income entrepreneurs.
• Developed strategic &… Show more Credito Firme is the microfinance institution of AFIRME bank, the largest bank of the North of Mexico. I led the growth of the operation including product development and strategic.
• Developed strategic & operational plans increasing the loan portfolio from US$10 million to $US15 million and expanding the branch network from 25 to 77 branches in six months.
• Implemented and led the operation of business intelligence and operational control systems aimed at improving the portfolio’s quality; reducing PAR 30 days from 15% to less than 4% in 8 months.
• Responsible for developing relationships with funders (US$30 million) and setting-up new funding ventures.

Guadalajara Area, Mexico

OI is one of the largest networks of microfinance institutions in the world providing products and services to poor entrepreneurs. I executed the day-to-day operation with outstanding results, reporting to the Board of Directors.As Interim CEO at Opportunity International, Mexico (an international microfinance NGO) I successfully facilitated the company’s.

Guadalajara Area, Mexico

I was responsible for the commercial operation of group-based loans across the West of Mexico. When was Commercial Manager, the microfinance sector in Mexico was sky rocketing and driving poor entrepreneurs to an increasing debt trap. My main role was to expand the microcredit programme and impact more families without increasing indebtedness. By.

United Kingdom

• Financial access action-research project by MicroSave-Africa and the Decentralised Financial Services Office. Financial Sector Deepening Programme, Kenya and Uganda.
• Market research, product development, market penetration, impact assessment and strategic planning. Opportunity International US and Mexico.
• Technical assistance on microfinance product development and financial education. IMIFAP, Mexico.

Bath, UK

• Project Analyst. University of Bath, UK (Part-time).Research Assistant. Imp-Act Microfinance Programme. University of Bath, UK (Part-time).
• Assisted on an action research programme between the universities of Bath, Sheffield and Sussex aimed at improving the impact of microfinance on poverty.

Mexico

• Centres for Microentrepreneurial Support (CAM) – a strategic partnership between technological universities, private sector institutions and local governments of Mexico. CAM used graduates and facilities of.
• Community Centre – a joint programme between UNACE… Show more
• Community Centre – a joint programme between UNACE, A.C. and Familias Mexicanas, Inc., (Non-profit Organisation established in USA) aimed at supporting poor rural women and their children in Mexico whose husbands were.
• The Global Programme for the Microenterprise Support – advisory role for a nation wide development programme launched by the largest development bank in Mexico aimed at supporting micro-entrepreneurial communities.
• Economic Valuation of Air Quality Improvement in the Metropolitan Area of Mexico City – research role for a project financed by the World Bank. Show less

Phd, Economics And International Development

Activities and Societies: Thesis: Financial services in a poor area of Mexico City: from physical access to effective use PUBLICATIONS.

Msc, Economics And Social Policy Analysis

Activities and Societies: Dissertaion: Microfinance as a tool for poverty alleviation