Patricia Bayolo Fuentes
Armilla
Summary
Goal-oriented manager with distinguished experience in Financial Technology industries and proven leadership abilities. Expert in increasing productivity and customer satisfaction while driving revenue and sales. Committed to streamlining procedures while optimizing employee talent. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
17
17
years of professional experience
Work History
Senior Product Owner
Fintech Solutions, Atlax 360(former Axesor Group)
05.2019 - 06.2023
- Creation of new business line: Fintech Solutions (Insurance, Factoring and BNPL)
- Oversaw entire product deployments from vision and creation to rollout and delivery.
- Managed implementation of new features by outlining plans and specifications such as how, where and when each component would work.
- Coordinated with software developers to create custom applications and trackers to achieve client goals.
- Built relationships with customers and community to establish long-term business growth.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Resolved problems with high-profile customers to maintain relationships and increase return customer base.
- Collaborated with upper management to implement continuous improvements and exceed team goals.
- Ensure delivery of end-to-end solutions, customer support, compliance and legal, operations etc
- Understand and document the competitive landscape
- Represent Atlax360 at events and conferences
- Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues.
- Prepared sales presentations for clients showing success and credibility of products.
- Demonstrated products to show potential customers benefits and advantages and encourage purchases.
- Achieved established KPI for company, regional team and individual performance through teamwork and focus on customers.
- Running the day-to-day operations regarding highly valued customers and growing inside sales.
Head of Factoring Origination
The Capital Global Services Fintech SL
10.2018 - 05.2019
- The Capital can originate on demand for specific Mandates for a wide range of financial institutions.
- Developed deep understanding of customer needs, priorities and pain points to deliver customized service target
Global Corporate Expansion Manager
Ecobanka
11.2017 - 07.2018
- Extend corporate relations to new Funds, Investment banks in national area (Spain) and internationally (UK, Ireland
- USA, LATAM) -Expand Referral partner’s network nationally and internationally, go to Trade Fairs, speak at Congress, and conferences in representation of the company.
Business Development Senior Vice President
Aztec Exchange Ltd
03.2015 - 09.2017
- (Fintech Start up Supply Chain Finance), Working to prospect, pitch & close new business.
- Established and maintained highly effective relationships with clients and industry partners to drive growth.
- Negotiated client contracts and agreements to cultivate profitable business transactions.
- Collaborated with sales and marketing departments to support client acquisition.
- Contributed to industry events and trade shows to showcase products and gather industry intelligence.
- Resolved problems with high-profile customers to maintain relationships and increase return customer base.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
- Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues.
- Prepared sales presentations for clients showing success and credibility of products.
- Achieved established KPI for company, regional team and individual performance through teamwork and focus on customers.
- Performance monitoring of account executives and account teams
- Delivering ongoing market analysis and assessment of competitors
Client Management Senior Vice President
Aztec Exchange Ltd
03.2014 - 03.2015
- Fintech Start-Up where I provided daily counsel and support to Business C Suite on all matters relating to day-to-day organizational management
- Complied with established internal controls and policies.
- Resources management, processes improvement and profitability of teams; overseeing KPI’s, staff skills, and relationships with regional clients
- Supervising client service guidelines and team structure improvements in different countries
- Recruitment and training new staff in new office locations (Miami)
- Conducted financial due diligence on potential investments and acquisitions.
Invoice Finance Processing Vice President
Aztec Exchange Ltd
03.2013 - 03.2014
- Invoice Processing - Aztec Money platform-, Fintech Start up)
- Start-Up, Company launching (Go live), operational procedures design, compliance, KYC, and Risk Management on receivable’s finance processing
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Clarified roles, responsibilities and expectations of staff.
- Collaborated with senior management to develop strategic initiatives and long term goals.
- Identified opportunities to improve business process flows and productivity.
- Identified and resolved issues between employees, promoting better collaboration and mutual respect.
- Established performance goals for department and provided methods for reaching milestones.
- Mitigated regulatory risks by overseeing adherence to insurance and safety regulations.
- Employed optimal safety practices to reduce worksite complaints and hazards.
- Established and maintained strong relationships with customers, vendors and strategic partners.
- Managed financial, operational and human resources to optimize business performance.
- Collaborated with legal, accounting and other professional teams to review and maintain compliance with regulations.
- Cultivated company-wide culture of innovation and collaboration.
- Monitored key business risks and established risk management procedures.
- Formulated and executed strategic initiatives to improve product offerings.
- Founded performance- and merit-based evaluation system to assess staff performance.
European Credit Controller
Auriga Europe Ltd
08.2012 - 03.2013
- Carried out whole credit control function for Auriga Europe Ltd, Auriga is part of a group of companies based in Europe and LATAM
Senior Credit Controller- Deputy Client Manager
Bibby Factors International Ltd
02.2006 - 08.2012
- Researched accounts and completed due diligence to resolve collection problems.
- Contacted customers to collect outstanding payments via one-time or negotiated installment methods.
- Performed administrative tasks such as recordkeeping, writing correspondence and gathering materials.
- Accessed credit records to evaluate customer credit histories.
- Generated and mailed updated statements monthly and processed demand letters.
- Completed training in credit management and civil court practices to maintain up-to-date legal knowledge involving collection practices.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Adhered to banking standards and government lending guidelines for loan services.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Organized and finalized loan applications for underwriter review.
Education
MBA - Business Management
EAE Business School
Madrid11.2023
No Degree - Asset Based Finance
Asset Based Finance Asociation Certificate
London06.2012
No Degree - Asset Based Finance
Asset Based Finance Asociation Foundation
London05.2011
International Relations And Exportand International Relations
CFE
Madrid06.2002
Political Science International Relations Degree - Political Science
Universidad De Santiago De Compostela
Facultad De CC Politicas Y Sociales09.2001
Skills
- Stakeholder Relationship Management
- Functional Requirements Specification
- Agile and Scrum Environments
- Product Development and Launch
- Strategic Vision
- Customer Accounts Management
- Backlog Management
- Work Breakdown Structure (WBS)
- Business Requirements Documents (BRDs)
Languages
Spanish
Bilingual or Proficient (C2)
English
Bilingual or Proficient (C2)
Portuguese
Intermediate (B1)
French
Elementary (A2)
Timeline
Senior Product Owner
Fintech Solutions, Atlax 360(former Axesor Group)
05.2019 - 06.2023
Head of Factoring Origination
The Capital Global Services Fintech SL
10.2018 - 05.2019
Global Corporate Expansion Manager
Ecobanka
11.2017 - 07.2018
Business Development Senior Vice President
Aztec Exchange Ltd
03.2015 - 09.2017
Client Management Senior Vice President
Aztec Exchange Ltd
03.2014 - 03.2015
Invoice Finance Processing Vice President
Aztec Exchange Ltd
03.2013 - 03.2014
European Credit Controller
Auriga Europe Ltd
08.2012 - 03.2013
Senior Credit Controller- Deputy Client Manager
Bibby Factors International Ltd
02.2006 - 08.2012
MBA - Business Management
EAE Business School
No Degree - Asset Based Finance
Asset Based Finance Asociation Certificate
No Degree - Asset Based Finance
Asset Based Finance Asociation Foundation
International Relations And Exportand International Relations
CFE
Political Science International Relations Degree - Political Science
Universidad De Santiago De Compostela
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