Led Banco Azteca’s retail network, enhancing branch performance through new incentive schemes, flexible scheduling, training programs, and attrition-reduction strategies. Improved both security and service quality.

Converted 500+ bank branches into hybrid models to migrate teller transactions to automated systems. Over 3,000 ATMs acquired, incorporating technology selection, feasibility analysis, execution, and training.

We moved from being the 8th to the 6th largest bank in Mexico in terms of deposits, reaching balances of MXN $160 B, while reducing the cost of savings by 50%. We grew the bank’s unique client base by 20%, reaching 24 million customers.

Renewal and Reactivation of Banco Azteca’s MXN $40B Credit Portfolio during a severe delinquency crisis, rebuilding the proprietary credit origination model, and redesigning the collections process, notably improving portfolio quality and reducing delinquency.

Led the design and launch of three mobile payment apps in Mexico and one in the U.S., integrating digital wallets, cash-in/cash-out, transfers, payments, FX, and crypto exchange in open/closed-loop ecosystems.

Led Grupo Elektra to become the #1 remittance payer in Latin America and among the largest globally by redesigning the business model, removing exclusivity, reaching 50% market share, and driving 5x profit growth through carefully planned strategy and operational excellence.

Positioned Banco Azteca’s FX retail business from #9 to #1 in Mexico, exporting back to the U.S. over $2B in cash every year, supported by our in-house development - the market’s most robust control, prevention, and tracking systems.

Co-developed, alongside the Mexican Federal Government, the end-to-end mechanism to digital/physical distribute social assistance programs, positioning Banco Azteca as the undisputable leader, with more than 9M beneficiaries engaged.