Yuri Ramirez Email & Phone Number

Melbourne, Victoria, Australia

Melbourne, Victoria, Australia

Melbourne, Australia

InComm is a global Fin Tech company based out of Atlanta, USA specialising in the payment technology for Point-Of-Sale-Activated cards aka Gift Cards such as the iTunes, Google Play and Vanilla Visa gift cards.Key responsibilities:• Product Management: Full ownership of the complete end-to-end product lifecycle of key strategic brands [Apple, Google, Vanilla Visa, Sony Playstation, Roblox, Valve, and Nintendo]. Product lifecycle includes managing card production and stock levels to promotional planning and marketing execution to product enhancements [card design, functionality & accessibility].• Strategic Partnerships: The lead local contact for strategic partners; managing and ensuring that key priorities are aligned and delivered across both businesses while ensuring sales targets are met and exceeded.• Projects & Technical integrations: Product Owner for new Retail Merchant and Brand Partner integrations, which includes translating business requirements to technical specifications, vice-versa and ensuring there is clear and consistent communication across both businesses.

572 Swan Street, Burnley 3121

Key responsibilities:• Product Operations: Providing support for the delivery of product and channel related projects, as a portfolio representative, while ensuring customer experience remains at the forefront of all stakeholder and project decisions.• Issue Management: Ensuring the management of product related issues are escalated and addressed including investigation, root cause analysis, cross functional coordination, Business/financial and Customer impact.• Product Enhancement: Identifying areas of improvement within product design, profitability, servicing costs, and cross selling opportunities. In addition to developing a business case to support enhancements, growth opportunities, and simplification initiatives.Accomplishment summary:• Investigated, coordinated and delivered a successful business case to implement system changes which has effectively increased the marketable customer base across 5 products, thus allowing a $10M p/a increase in profit.• Successfully redesigned the audit calendar, timings and location to ensure greater visibility to the statuses of the various product audits conducted throughout the year.• Led & organised the complete overhaul and redesign of two product websites: http://www.interestfree.com.au/ and http://www.buyersedge.com.au/

572 Swan Street, Burnley 3121

Key responsibilities:• Product Operations: Providing support for the delivery of product and channel related projects, as a portfolio representative, while ensuring customer experience remains at the forefront of all stakeholder and project decisions.• Issue Management: Ensuring the management of product related issues are escalated and addressed including investigation, root cause analysis, cross functional coordination, Business/financial and Customer impact.• Product Enhancement: Identifying areas of improvement within product design, profitability, servicing costs, and cross selling opportunities. In addition to developing a business case to support enhancements, growth opportunities, and simplification initiatives.Accomplishment summary:• Investigated, coordinated and delivered a successful business case to implement system changes which has effectively increased the marketable customer base across 5 products, thus allowing a $10M p/a increase in profit.• Successfully redesigned the audit calendar, timings and location to ensure greater visibility to the statuses of the various product audits conducted throughout the year.

Key responsibilities:• Establish and promote Policy Governance brand across various internal and external stakeholders• Creating and maintaining Risk Management Policy and Procedures across GE Capital Australia and New Zealand• Develop and maintain the Credit Risk Management Policy framework, driving consistency across the consumer and commercial business• Execute processes for policy and procedure change management, ensuring appropriate sign off and documentation• Proactively identify, obtain support for and implement opportunities for policy and procedure alignment/simplificationAccomplishment summary:• Developed, trained & educated 250 staff on governance process improvements & policy requirements• Developed a digital solution and simplified the process to manage credit authorities across the business, which resulted in 70% time savings, improved reporting, better governance, and enhanced end-user experience.• Created, maintained and promoted a central repository which consists of a central policy library, governance event calendar, and annual policy review plan

Key responsibilities:• Prevent, identify and action fraudulent activity utilising sound investigative techniques, across the Personal and Automotive loans portfolio• Review and simplify new and existing procedures, where possible in order to reduce non-value added tasksAccomplishment Summary:• Created, facilitated and delivered Fraud awareness sessions across various external stakeholders, resulting in a reduction of 2nd line reviews by 20%

Key responsibilities:• Identify and action fraudulent activity utilising sound investigative techniques across the Credit Cards portfolio• Liaise with both internal and external parties to maximise offender apprehension and restitution returnsAccomplishment summary:Identified and investigated a non-compliant merchant partner with high reputational risk

Key responsibilities:• Monthly running of store-level profit and loss report to determine discrepancies across 86 Australian-wide stores.• Review and analysis of current fraud reports and creating/updating modules to expand and implement preventative measures.Accomplishment summary:• Created a new fraud report via SQL, which extracted product hiring & return sales codes, matched corresponding dates and highlighted discrepancies.

Diploma Of Arts, Psychology, Hd

Diploma of Arts, Psychology stream. Completed in 2021 with a High Distinction grade average.

Graphic Design

Bachelor of Design: Games Graphic Programming