Víctor Daniel Briones

Launched in 2020 a Minimum Viable Product (MVP) for a financial wellness subscription product, which later evolved into a final product contributing significantly to revenue. The product includes insurance benefits, assistance services, discounts, informative financial wellness reports, and privileged access to interest-free credit.

With the aim of reaching the most vulnerable sector (91% of the Mexican population without insurance), I led the creation of insurance and assistance with the support of "IKE Asistencias". The product consisted of an individual subscription ranging from USD $1.00 to $5.00 monthly. I conceived the product, negotiated with various parties, and placed the product on the platform through a 100% digital contracting flow.

In collaboration with one of the continent's largest banks, I consolidated a project with a 100% automated flow, allowing users to obtain credit pre-approval based on the risk rules established by the bank and using alternate data. This project became pivotal for the bank in demonstrating the benefits of collaboration between a bank and a startup.

Created a financial Marketplace that became the main contributor to the company's revenue in Mexico. The Marketplace served as a product placement center for third parties, filtering offers based on user characteristics and the needs of financial institutions. In 5 years, it offered products from over 50 financial institutions and promoted payroll, credit, credit cards, insurance, savings, and investment products.

In collaboration with a consulting firm specializing in digital and financial innovation and a cooperative with a significant presence in Oaxaca, I led the implementation of the use of the "Puntaje Destácame" (Destácame Score) to enable the cooperative to grant credit to the most marginalized users in Oaxaca, solely using basic documents and their electricity bill with CFE.

Using market information obtained through BSP, I developed a tool to identify market opportunities through weekly analysis at the route, travel agency, and market share levels. With this tool, sales executives were able to significantly reduce their office time by 40%, allowing them to focus on fieldwork to improve their performance.

Following the integration of Avianca, Taca, and Lacsa, the company asked me to reformulate the fixed and variable commission structure for the Mexican market. The variable commission was restructured, reducing from an average commission of 5% to 1.5% over 5 years, requiring programming in the BSP NET Remittance system. The variable scheme was adjusted to a model proposed by our headquarters in Bogotá but with negotiation requirements and goal-setting at the sales and market share levels for the… Mostrar más

Following the integration of Avianca, Taca, and Lacsa, the company asked me to reformulate the fixed and variable commission structure for the Mexican market. The variable commission was restructured, reducing from an average commission of 5% to 1.5% over 5 years, requiring programming in the BSP NET Remittance system. The variable scheme was adjusted to a model proposed by our headquarters in Bogotá but with negotiation requirements and goal-setting at the sales and market share levels for the main travel agencies in Mexico, achieving a commission reduction from 2% to 1% in 5 years. Mostrar menos

With the support and flexibility offered by the General Director of Avianca for Mexico, I restructured a loyalty program that had been initiated by a colleague (Axel Villalobos). I automated a user flow that was previously very manual and adopted a reward redemption scheme for travel agents through electronic wallets via our provider “SiVale”. The result was a 1700% increase in our number of enrolled participants, allowing us to strongly incentivize monthly sales.