Partenariat is a consulting firm focused on B2B2C distribution for insurance and assistance. Partenariat is helping Insurtechs to meet their market through digital solutions.

I assumed interim for 6 months the function of Chief Business Officer of CNP Seguros Holding with the following responsibilities:- Distribution channels: Channel Brokers, Partnerships, Consortium, Dental Plans and partnership with Correios (Brazilian Post)- Product supervision: Insurance (life, creditor insurance, patrimonial, breach of guarantee), capitalization, consortium and dental plan- Technical supervision: actuarial, underwriting, pricing, business intelligence- Commercial deployment, operational preparation and commercial engagement.

Member of the board of CNP Seguros Holding Brazil, one of the major insurers in the country.

Member of the board of Caixa Seguros Holding, 3rd insurance group in Brazil, Joint venture between Caixa Econômica Federal (1st bank in Latin America) and CNP Assurances, one of the leaders of European insurance market.

He participated as a consultant in the definition of the project back of Axa to the Brazilian market, designing the vertical of Life and Affinities, for which he was invited in the execution phase as Vice President. He has won partnerships of great relevance such as Pernambucanas, Havan, Banco Inter, Motorola among others. The Life and Affinities division once accounted for more than a third of the company's activity.

Corporate consultant for financial services, insurance, retailers, private equity, etc.

Consultant in administration: implantation of financial control and planning for a retailer.

Insurer specialized in strategic partnerships B to B to C with banks, consumer finance, retailers and utilities for affinity insurance: creditor insurance, extended warranty, individual protection, life insurance & savings, car & home owners, sold through partner’s networks or telemarketing. Building from scratch an insurance group in six countries (Chile 1997, Argentina 1998, Brazil 1999, Mexico 2006, Peru 2006 & Colombia 2008) that is after 15 years one of the leaders of personal insurance in Latin America, the nº1 of affinity segment and a growth engine for BNP Paribas Cardif.Based in Santiago de Chile (5 years) then in São Paulo Brazil (9 years).In 2010 Cardif Latin America represent:• Gross written premium US$ 931 Million +32% / 2009• More than 1.600 employees.• 35 million clientsBuilding and developing local teams in a multi cultural environment.Strong and regular growth (about +25% per year in average) through innovation and diversification in new products and distribution channels.Developing a large commercial footprint with a great partner portfolio, negotiating at high level with general management or financial teams, strategic partnerships with main market leaders.Development of a new insurance trademark at continent level: Cardif consolidates itself as one of the leaders on personal insurance an as the nº1 on “affinity” segment.:• In Chile, Cardif is the 1ª personal insurance company, 17% market share.• Argentina: 2ª personal insurance company, 8% market share.• Brazil: 3,4% market share for personal lines; México 3%; Peru 5%; Colombia 1%.• 5% market share for personal lines in the 6 Latin American countries where Cardif operates.Building operational platforms to support growth and diversification.

French bank specialized in credit and insurance (Cetelem, UCB, UFB Locabail, Cortal & Cardif), listed in the CAC40 index on Paris Stock Exchange, that merged with Paribas in 1998, then with BNP in 1999, today BNP Paribas.Financial Management• Head of Funding, Asset & Liabilities Management, internal transfer prices, financial risks control, quantitative finance.• Head of Securitization (first European bank in Securitization in 1995).Based in Paris (9 years)