Andres C.

As a Senior Product Manager, I lead the vision, strategy, and execution for logistics financial services — owning products that manage courier and external fleet invoicing, instant and weekly payments, financial transparency in mobile app experiences, and regulatory compliance across 8 international markets. My focus is to build AI-enhanced, scalable fintech solutions that enable transparency, automation, and operational efficiency for both finance teams and over 400,000 active couriers worldwide. I collaborate cross-functionally with engineering, data science, design, operations, finance, and legal teams to deliver intelligent, compliant, and high-impact financial systems that support growth and reliability at scale. Key Achievements: • Defined and executed the product vision and roadmap for a next-generation financial services platform, improving transparency and performance across global markets. • Launched a multi-contract invoicing and payments system supporting both B2C couriers and B2B fleet partners, driving operational scalability and faster market expansion. • Built a tax and compliance automation platform using rule-based intelligence, eliminating regulatory risks and ensuring full compliance across North America and Europe. • Improved product delivery speed by 50% through AI-assisted prioritization, predictive analytics, and agile delivery frameworks that enhanced engineering efficiency. • Championed data-driven product development, embedding machine learning insights into financial workflows to optimize payouts, reduce errors, and improve user experience.

Just Eat Takeaway.com is a leading online food delivery company, connecting consumers and restaurants or commercial partners through its delivery and logistics platform with presence in 24 countries. As a product manager, I own the product vision and strategy for courier financial services including invoicing, instant and weekly payments, financial experience on mobile app and tax compliance across 8 markets with different services and regulations, enabling transparency and impactful features to serve more than 400k active couriers. I lead a full stack team working towards developing a scalable financial system for internal finance users that supports a low-friction and reliable experience for couriers making easy for them to understand their payments and guarantee on-time payouts in increasing platform engagement. Highlights: - Building the product vision and roadmap to enable financial transparency and scalability for both couriers and company’s finance users. - Facilitating business market expansion by implementing multi- contract financial system for couriers and external fleet companies. - Reducing 100% of risk reputation exposure and regulatory fines by introducing a compliance platform to support annual tax reporting and minimum wage payment within North America and Europe. - Increasing product delivery speed by 50% introducing prioritization frameworks and engagement strategies to empower my engineering team.

Neo Financial is a Calgary-based fintech founded in 2019 positioned as a challenger to Canada’s big banks, Neo focuses on rewards, simplicity, and innovation enabling a explosive growth—over 38,000% revenue growth and $360M raised in funding. Main responsibilities • Responsible for organizing and prioritizing the product backlog and roadmap to deliver valuable outcomes for the company. • Overseeing software development team resources and allocated assignments to increase the speed of product delivery. • Coordinating with third-party teams on engineering and professional service activities and tasks. Major accomplishments • Reduce the company’s fraud risk exposure on customer onboarding and transactions by integrating a third-party fraud prevention and detection engine to enable the execution of automatic detection rules, insights on different fraud vectors, and reducing manual processing. • Reduce the company’s credit risk exposure on high-risk individuals by implementing a bulk credit line decrease to save 1.7 million CAD annually. • Improve credit card adjudication process by integrating a new adjudication engine to support multi-tenancy, multi-product risk strategies and APR management to increase business opportunity earnings by 3 million CAD annually.

Main responsibilities • Robotic process automation (RPA) developer responsible for bots’ maintenance, new initiatives development, and implementation. • Execution of technical analysis for new requirements to deliver effective business solutions. • Utilized Product Life Cycle Development processes to ensure adherence to project schedules. Major accomplishments • Improve operational efficiency by developing an RPA-OCR solution to automatically create orders in the company’s core system for major clients reducing 25% of manual processing. • Increase 30% of bot efficiency and speed by reducing code bugs, documenting functionality, and simplifying process flow.

Main responsibilities • Use process mapping to holistically assess business processes to determine opportunities for improvement. • Lead diverse projects for data capture, storage and forecast analysis. • Assisted with driving strategy through document, development, and implementation of new processes by working closely with upper management. Major accomplishments • Enhance the company’s controls and financial regulation compliance by developing improvements and maintaining a business process solution to calculate rebates and for North American major corporate customers and replacing 650 EUCs for a single system. • Design a solution for corporate card maintenance for the department of defense customers by using RPA and OCR tools.

Main responsibilities • Business analyst, BPM, ETL and RPA developer responsible for delivering project solutions using Automation anywhere, Xceptor and Appian software for Citibank projects in North America region. • Worked on project management tasks for resources management, cost efficiency management and project execution using agile frameworks. • Provide technical and business consultancy for client requirements. Major accomplishments • Enhance corporate controls and financial regulation compliance by implementing a business process solution to calculate rebates for North American major corporate customers and replacing 650 EUCs for a single system. • Develop an integration between the client’s in-house business process system and an ETL tool to provide data transformation capabilities to increment projects portfolio and budget for process automation area.

Main responsibilities • Administration and support of credit card transaction authorization system including data warehouse DB, and credit card decision software to implement credit risk strategies for Colombia. • Identify options for credit risk areas to improve strategies on the credit authorization system. Major accomplishments • Reduce the company’s risk exposure by implementing credit card strategies in the adjudication engine. • Measure strategy efficiency by generating daily and monthly reports for business using the company’s data warehouse.

Main responsabilities • Credit card strategy creation, maintenance, improvement and support using credit risk engines for card renewal, fee discount, credit line increase, credit line decrease, over-limit, and cash transactions authorization for countries in Central America, Colombia and Venezuela. Major accomplishments • Reduce the company’s risk exposure by implementing credit card strategies in the credit risk engine and provide measure and impact visibility for the business.

Main responsibilities • Led information security team to monitor, execute and control user entitlements for Citibank Colombia applications and support audit reviews from external, regional, and local teams in the organization. Major accomplishments • Enhance employee support by implementing service management strategies, migrating processes to global hubs in Europe and Asia and delivering service measures for leadership visibility and improvement opportunities to improve operational efficiency and support availability. • Improve access controls for all Colombia employees by developing automatic access control reports to the entitlement review system to provide real-time data available for managers' reviews and saving 30% of the operational effort.

Main responsibilities • As Risk Coordinate and execute on all project phases including software development using Oracle BPM platform and Citidocs (in-house application) to deliver solutions for operations and collections area to improve control and save process execution time. Major accomplishments • Increase process efficiency and regulatory control for collections operational areas by developing a business process solution to calculate, apply and update strategy debt payments for more than 200 medium and high-risk customers daily on personal banking portfolio in Colombia.

Business process analyst in charge of the requirements gathering for internal process of the company, documentation and Process model designs using BPMN in Bizagi Application.

Information security specialists with knowledge on ethical hacking, computer forensics and ISO 27000.

Systems engineer with network emphasis and project management habilities