- Built foundational expertise across the full risk management spectrum at one of the world's most analytically rigorous financial institutions — covering credit risk, operational risk, fraud prevention, debt collection, compliance, AML and KYC frameworks for both Amexco and Amexbank. - Designed and improved risk policies and procedures based on KPI analysis and industry benchmarks, contributing to credit and fraud loss provisions performing consistently better than budget plan reserves. - Managed B2B and B2C risk across all customer segments, developing the analytical discipline and institutional rigor that has underpinned every P&L and financial strategy decision throughout my career.

- Led risk management and credit operations across Mexico, Guatemala, Honduras, Costa Rica, Panama and El Salvador, managing a $1.2B accounts receivable portfolio for telecom equipment and services. - Reduced DSO by 78% — from 180 to 40 days — unlocking working capital and enabling a 75% reduction in credit reserves, from 4% to 1%, directly improving Nokia's financial position in the region. - Coordinated financial management of major accounts in close partnership with commercial teams, establishing a risk framework that balanced credit discipline with revenue protection at scale.

- Led the turnaround of a non-performing financial services BU across Mexico, Costa Rica, Panama, Colombia, Venezuela, Ecuador, Peru, Chile, Brazil and Argentina BY redesigning vision, GTM strategy and operational model, and establishing a regional Shared Services Center in Peru that became the backbone of the recovery. - Scaled revenue from $15M to $35.6M USD (20% CAGR) while expanding EBITDA from 12% to 27% — a simultaneous doubling of revenue and more than doubling of margin in under 5 years - Managed and served a B2B diversified client base including Fortune 100 companies across 10 countries. - Defined and executed business strategy and GTM plan with full P&L responsibility across Latin America, building the regional infrastructure that sustained double-digit growth throughout the mandate

- Directed Business Development with full P&L responsibility across Mexico, Brazil, Panama, Mexico, Colombia and Guatemala for a US global BPO provider of risk management and customer service solutions, serving a diversified B2B and B2C client base including Fortune 500 companies. - Scaled revenue from $40M to $50M USD (12% CAGR) while simultaneously expanding EBITDA from 14% to 19% (top-line growth and margin improvement delivered in parallel through GTM restructuring). - Implemented new GTM strategy leveraging advanced analytics and rules-based automation, establishing a more scalable and differentiated commercial model for LATAM operations. - Led Commercial and BD teams across CRM and ARM business process outsourcing services, managing multi-vertical client relationships across retail, financial services and telecommunications sectors.

Leader of all Commercial and BD activities for mass consumer banking services and products in third party sales channels. Defined the "go to market" strategic plan, the financial planning and budgeting with P&L responsibility for 5 LATAM countries. - Led consumer banking operations across Guatemala, Honduras, Panama, Peru and El Salvador with full P&L responsibility, overseeing direct and third-party sales channels for mass banking products and services. - Scaled credit portfolio at a 20% CAGR with 32% EBITDA margins through a new GTM strategy combining channel diversification, digital transformation and risk-based credit pricing optimization. - Drove simultaneous digital and physical channel expansion across 5 countries, integrating digital adoption initiatives with third-party network growth in mass consumer banking segments. - Implemented risk-based credit pricing model that improved portfolio quality while sustaining double-digit origination growth throughout the mandate.

- Promoted internally within Grupo Salinas to lead retail Business Development across Guatemala, Panama, Honduras and Peru, with full P&L responsibility over a $40M–$60M revenue operation - Scaled revenue 50% from $40M to $60M USD (38% CAGR) with 37% EBITDA margin in a 16-month mandate — achieving market leadership in Honduras and Guatemala within the first year - Created synergies between Banco Azteca and Italika promoting a dual revenue stream model capturing both product margin and financial margin, structuring a more resilient and scalable P&L for multi-country retail operations - Directed local indirect operations and sales teams across 4 markets, designing localized GTM execution adapted to each country's competitive and regulatory dynamics

- Designated by Group leadership to lead financial strategy for Elektra Connectivity, a $1.6B retail and finance BU commercializing mobile and computing devices along with telecom services on credit, directing a 25 persons finance organization across FP&A, OPEX and CAPEX functions, risk management, financial planning and internaL control areas. - Scaled revenue at a 17% CAGR with 30% EBITDA margins, while achieving 20% cost savings versus annual budget plan through disciplined capital allocation and finance frameworks. - Transformed Finance into a strategic growth enabler: deployed BI (Tableau, Power BI) platforms and real-time dashboards delivering weekly business and operational insights, reducing decision cycle time across commercial and ops teams. - Optimized inventory management and granular FP&A model that unified Finance, Commercial and Operations under shared KPIs — enabling disciplined GTM execution at scale. - Spearheaded digital transformation of the finance function, establishing the analytical infrastructure that sustained double-digit growth across a credit-driven, high-volume retail environment.

Provide strategic advisory services from the Office of the Chairman of the Board of Azteca Servicios Financieros, supporting diverse GS business units on business development, financial strategy and risk management, leveraging cross-BU insights & synergies to drive value creation.