Rubén S. Email & Phone Number

Mexico City, Cdmx, Mx

Mexico, D.F., Mx

Helping teams prototype and iterate new business models. Measure market size & estimate achievable market share. Craft innovative revenue streams that disrupt the industry. Ensuring each element of the business model fits the desired customer experience.

Wilmington, Delaware, Us

Part of the leadership team working on the company’s strategy and growth; developing a platform that has allowed its clients to increase their revenue, on average, by 57% and with 100% uptime. Business development working in expanding MyCashless presence and serviceable market.

San Francisco, Us

We are focused on changing the cybersecurity ecosystem in Latin America through next-gen technologies, services, education, and regulation. We offer custom-designed solutions and services designed to optimally protect companies of various industries and sizes against cyber attacks.

Cuauhtémoc, Mexico City, Mx

Bringing experience in building financial services business and financial models with a proven approach. The amazing Crecy founders needed help setting up the business and continuously look to optimize operations, finance, and third-party relationships. Crecy is a credit card with cryptocurrency collateral.

México, Distrito Federal, Mx

• Transforming the budgeting process (over $1,500 million Ps.) from a 10–12 week yearly siloed exercise to a collaborative, comprehensive and continuous process, allowing timely decisions for adapting to the constant changing environment.• Building the financial projections and scenarios that have been instrumental in allowing the company to obtain new funding in excess of US$500 million. • Determining the financial KPIs allowing data transparency, surfacing activities not aligned with the company’s strategy and allowing SG&A savings of 12%.

México, Distrito Federal, Mx

• Future-proofing UNIFIN by working on better and more diverse ways to serve the financial needs of the SME market. We aim to become our clients' trusted financial advisor.• Designing and implementing new financial products and services such as a first-of-its-class short term ‘emergency’ line of credit for SMBs, cross-border factoring, or streamlining the onboarding and decisioning process, allowing a 13.6% growth.

New York, Ny, Us

Helping businesses grow and obtain competitive advantages by identifying and/or defining their differentiating capabilities and developing business strategies based on those capabilities. Working with their teams, designed growth path agendas, redefined their go-to-market strategies and transformed their business models for a more promising future. Projects included:• Designing a strategic growth roadmap for a credit bureau that has allowed them to gain market share and keep them relevant amongst new fintech companies.• For the CFO for LatAm’s largest leasing company designing their KPIs for better control and expense management and a new client-centric go-to-market strategy that allowed sustained growth (23.3% income increase and a 29.7% total portfolio growth in ‘19 vs ‘18).• For Mexico’s most important insurance company, working with its Global Technology Officer in the definition and design of a new target operating model that allowed them to increase their footprint in personal insurance and fend off the disappearance of their government line of business.

San Francisco, Us

Independent committee member for IGNIACK 15 credit opportunities trust evaluating investment opportunities.

Developing the startup strategy and project funding.

Mexico, D.F., Mx

Working directly with owners and C-level management of leading companies to grow their business developing new products, analyzing market needs, reviewing competition, defining strategy, and implementing business plans. Selected projects include:• Designing and launching new financial products and services for a top 7 bank and two major retail chains, including economics (rates & commissions), distribution channels, and branding. Defining and designing new products, services and channels for the new future banks.• Developing tools to analyze loan portfolio behavior for a top commercial bank. The tools increased early detection and reduction of potential nonperforming loans as a percentage of their total loan portfolio.• Developing the business plans and leading the team to obtain a banking license for Fundación Dondé Banco and Banco Pagatodo. Participating in leading roles to architect and establish 10 new banks, including BanCoppel and Compartamos Banco and in re-establishing Goldman Sachs’ broker dealer operation in Mexico.• Identifying opportunities, defining the strategy, building alliances, and designing the business model for international companies to enter the Mexican market, enabling them to offer their services under Mexican regulation.• Developing business strategies for growing the business of retail chains and financial institutions with joint ventures (e.g., Soriana supermarket and Banamex (Citibank)), enabling access to new markets.• Participating in the design for asset-backed securitizations of future money-transfer commissions for Elektra (US $230 million, the first of its kind in Mexico) and future advertising income for TV Azteca (US $380 million).

Mexico, D.F., Mx

México, D.F., Mx

Designing the business strategy and processes and managing the company's cash flow

México, Distrito Federal, Mx

Participating in the design and launch of the long-term savings product Inversión Azteca, which today accounts for almost two-thirds of total bank deposits.

Obtaining a banking license for Grupo Elektra (Banco Azteca), the first license granted in more than seven years in Mexico.

Standardizing the service for future franchising in order to expand the client base at a lower cost reaching 46% compounded annual growth rate in the first three years. Launching the service in two additional chain stores for a 42% increase in points of sale.

Creating and managing the post-sale service department. On the first year, the service department contributed with 45% of Grupo WL’s sales, and with more than 60% of its EBITDA.

Product Strategy

Master Of Business Administration (M.B.A.), Business, Management, Marketing, And Related Support Services

Diploma, Corporate Finance

Bachelor'S Degree, Industrial Engineering With Minor In Systems Engineering

High School