Experience

Innovalim

• Peru
• Individual and Family Services
• 1 - 100 Employee

• Founder & CEO

  • Feb 2018 - Present

  https://innovalim.pe/ Innovalim helps people improve their quality of life in their home and work environments with clean and disinfected spaces free of respiratory and dermatological disease generators. As Founder, I led the discovery and ideation process, defined the business model, value proposition, target customer segment, market positioning, and executed the team recruitment and the business operation model. As CEO, I am responsible for the business growth strategy and ensuring the profitability and sustainability of the business.



Interbank

• Peru
• Banking
• 700 & Above Employee

• Consumer Financing Manager

  • Jan 2020 - Dec 2020

  Fourth-largest Bank and second-largest Consumer Lender in Peru.- Led the growth strategy of 5 financing products (+$1.8B annual sales) in the retail market: Personal Loans, 3 Loans associated with Credit Cards (ExtraCash, Debt Purchase and Cash Disposition) and Vehicle Loan.- Developed recovery plans for the COVID-19 pandemic. Multidisciplinary work with the risk portfolio management team and the sales channels teams.- Redefinition of product pricing per customer cluster. Developed and designed price bands for +200 nodes based on customer segment, risk premium, and loan amount.

• Credit Card Manager - Value Proposal and Early Management

  • Oct 2018 - Jan 2020

  - Developed the growth strategy for customer acquisition with priority in the digital channel. Involved greater investment in advertising, technological developments, and robust analysis to improve the digital funnel.- Led the launch and deployment of a new and 100% digital version of "Premia", a rewards program for +300K customers, a third of credit card base. Developed the value proposition and defined customer clusters to assign benefits based on customer segment, purchase volumes, and frequency of credit card use.- Managed the relationship with the Visa and American Express brands. Renegotiated contracts to improve incentives for the bank (+$1.5MM contribution margin).- Led the pilot and deployment of a new sales channel that included an alliance with a retail shopping center, technology implementation, sales force training and definition of incentives.

• Head of Credit Card Financing Products

  • Aug 2017 - Sep 2018

  - Managed the business of 3 financing products associated with credit cards (+US$1.2B annual sales).- Reassessment of the risk appetite of each financing product to increase our lead base (+23%) and therefore our sales (+15%). Redefined customer target and defined the pricing strategy for new leads.- Played a key role in the credit card team that achieved market leadership for the first time on a sustained basis.

• Head of Personal Loans

  • Aug 2016 - Jul 2017

  - Achieved business performance improvement through deep interaction with diverse teams that help to run the business such as sales channels, customer segments, risk management, digital developments and CRM.- Developed an internal report to forecast results in business performance KPIs (sales by customer segment, risk composition, sales channels, among others) and quickly define tactical actions to achieve quarter goals.



Real Time Management

• Peru
• Business Consulting and Services
• 1 - 100 Employee

• Project Leader

  • Jun 2014 - Jul 2016

  RTM is a management consulting firm specialized in strategy and operations. RTM serves Senior Management from top Peruvian corporations.- Led the restructuring of sales management for the largest commercial company of pharmaceutical products in Peru, including the integration of sales channels, 35% increase in the customer base, training for a sales force of 80 people, which resulted in +20% in sales.- Formulated the strategic planning of the market leader in the application of geosynthetics and gabions in Peru, involving business growth initiatives for 4 companies in Peru and 4 companies abroad (Brazil, Mexico, Chile and Colombia) to increase sales from $130M to $270M in 5 years.- Awarded: “Significant Company Contribution” and “Best Contribution to Consultant Development”.- Besides my regular consulting duties, I heavily supported recruiting activities.

• Senior Consultant

  • Aug 2012 - May 2014

  - Developed the transformation of the sales and marketing activity of the largest cement company of Peru, including the launching of a new product, the development of a new sales channel and the design of a new retail franchise.- Defined and implemented the management methodology of pre-merger and post-merger integration of a multi-billion deal between two of the largest cement companies in Peru. Developed the evaluation and the financial models of commercial synergies in this merger valued at $140M.- Awarded: “Outstanding Consultant” (top 5% only).

• Consultant

  • Aug 2010 - Jul 2012

  - Took part of several consulting projects in a team-oriented environment across different functions and industries such as manufacture, construction and telecommunications.- Analyzed, identified and implemented actions to improve processes and reduce logistics expenses.