Oscar M.

Key Achievements & Responsibilities: Designing and executing the Go-to-Market (GTM) strategy in Mexico for the adoption of our expense control platform and corporate cards. Managing the alliance with Banco Afirme's Corporate Banking network, accelerating customer acquisition and retention nationwide. Building the operational structure from the ground up, defining client onboarding, commercial support, and credit analysis processes. Recruiting, leading, and developing the founding team for Monibyte Mexico, establishing the high-performance culture and agility that define our Fintech.

Key Responsibilities: Leading the comprehensive digital marketing, communications, and advertising strategy for lead generation and B2C/B2B2C channel expansion. Driving the optimization of the commercial strategy and operational processes to scale new customer acquisition.

Provided high-level advisory to Fintech startups, investment funds, and expert networks (like Alphasights and IDR) on Mexico's B2B credit market. Key Projects: Product & Risk Architecture (for Kontempo): Led the design of the credit insurer alliance and defined the business requirements for the parametric origination model. Go-to-Market Strategy (for Kontempo): Designed the commercial structure and sales strategy for their B2B financing product launch. Financial Modeling (for Solar Financiera): Developed the pricing model, revenue structure, and financial projections for a new business unit. Model Validation (for Abaco Capital): Assessed the viability of a "supply chain credit" model for their Central America expansion.

As Founder and CEO, I established and scaled AORA Capital, a SOFOM (Non-Bank Financial Institution) focused on consumer loans. Led the company's foundation, securing $100M MXN in seed capital for operations. Designed the product strategy and directed the placement of a +$100M MXN credit portfolio. Implemented the digital (growth) marketing strategy, scaling acquisition to over 30,000 monthly leads. Actively managed portfolio risk, maintaining the delinquency rate below 8% throughout operations.

Managed commercial and financing strategies for clients with revenues >$250M MXN. Provided comprehensive banking advisory including credit, leasing, and factoring services. Achieved double-digit revenue growth in 2018 and 2019 (+33% and +64%, respectively). Recognized among the top 30 corporate banking executives nationwide.

As part of my role, I meticulously monitored the behavior of the corporate loans portfolio post-placement, ensuring optimal performance and risk management. Additionally, actively contributing to the Credit Committee, I played a pivotal role in shaping and enhancing credit-related decisions and strategies. As part of my role, I meticulously monitored the behavior of the corporate loans portfolio post-placement, ensuring optimal performance and risk management. Additionally, actively contributing to the Credit Committee, I played a pivotal role in shaping and enhancing credit-related decisions and strategies.

Identified, analyzed, and implemented corporate actions in stock indices (e.g., splits, IPOs, dividends). Improved event implementation quality, reducing errors and delays by 35%. Played a key role in the integration and restructuring of the Americas Corporate Actions team.

Developed early-stage collection strategies for credit cards, generating monthly benefits of $18M MXN. Led strategic planning for the Collections Division for the 2015–2020 period. Managed risk analysis and budget generation for unsecured and SME loans.

Performed counterparty risk analysis for financial institutions. Developed the Fiduciary Rating Methodology for Latin America. Successfully maintained the portfolio of Financial Institutions.