LosangoProduct Leader
Apr. 2011 - Mar. 2018Led the end-to-end development of new financial products and features, including feasibility studies, vendor coordination, system certification, and sales enablement through training, manuals, and support tools. Focused on delivering high-impact solutions aligned with institutional goals and market needs. Monitored product performance to align business outcomes with consumer experience. Managed product distribution channels to ensure operational controls, regulatory compliance, quality standards, and commercial performance. Ensured compliance with legislation and internal governance—such as the implementation of Resolution 3.954 regulating Banking Correspondents—through contractual, systems, and process adaptations. Represented the institution in national working groups on Product and Credit at FEBRABAN and ACREFI, contributing to joint regulatory strategies, risk mitigation efforts, and the definition of standardized system and process improvements (e.g., receivables registration and centralized credit portability). Led the implementation of B2B customer segmentation, enabling structured engagement with over 19,000 retailers. Designed and executed a lifecycle-based commercial strategy, including personalized promotions and relationship management actions. Introduced a pricing policy initially based on segment, region, and industry, later enhanced through credit risk modeling and consumer profile clustering.