Rafael Cabello Sir

Alborada 11881, Las Condes, Santiago.

Cer: 569 81989936 - Home :56 2 8935 297

Email :

SUMMARY

Industrial Engineer, postgraduate in Business Administration, with large experience in financial business and services managing for corporate and consumer segments. Outstanding performance in areas of business, commercial, risk and information technology, in an important local and regional Bank and in one of the most large and profitable multinational financial corporation.Autonomous professional with business vision, analytic and innovative, with skills in work teams leading and strongly goals oriented.

PROFESSIONAL BACKGROUND

Independent Consultant April 2010 - Present

  • Areas: financial (Factoring, Cards, Cash Management, Treasury, Loans), retail, industrial, national and international companies.
  • Professor of business policy II course to undergraduate students, at the Los Andes University.

BANCOESTADO (

General Manager of Bancoestado General Partner Venture Capita Jun 2008 –March 2010

Responsible to create of a new subsidiary company of BancoEstado and organizes the team to start up the subsidiary. Creation of the first General Partnercompany connected to a Chilean financial institution and setting up the first venture capital fund (50 MMUS$).

Venture Capital Project Manager April 2007 – May 2008

Leads the development of a project / venture capital firm BancoEstado, based on capital market reform andalusia II (MK2), for the creation of a subsidiary company to manage investment funds.

Business Development Manager for Small Business September 2006 – March 2007

Business development for the small Business market in relation to areas of: product, risk, process, business model and alternative distribution channels. Lead a team of 29 professionals.

GRUPO ALTAS CUMBRES 2004 to June 2006

Grupo Altas Cumbres (“GAC”) is a financial Chilean group oriented to microfinance credits with banks in 8 Latin countries, 8.800 employees, 330 branches, MMUS$ 31 profits (2005) and over MMUS$ 900 in sales. (

Regional Manager for non traditional distribution channels 2004 to June 2006

Responsible for developing new distribution channelsof microfinance productsrelated to the moneysent by emigrants to their relatives (family remittances) and collections or bill payments services (cash stores for utilities / main billers), in the countries with GAC local presence.

  • Acting Director of the board of Banco Centro Mundo (Ecuador).

Treasury Regional Manager July 2005 to June 2006

Responsible to create and implement the regional treasury of GAC, based in the Panamá Bank of GAC. This challenge was assigned for one year term additionally to the Regional Manager position. At the same time, I was appointed as a Board Director of Banco Internacional Altas Cumbres (Panamá).

Microfinance Regional Manager 2005 to June 2006

Additionally, to the other responsibilities I was appointed as a director managing the microfinance business. It represented 25% of the GAC profits.

BANCOESTADO 2004

Bancoestado is the main and unique state Bank in Chile. (

Consultantof small business companies January - March

CITIBANK N.A. Chilean Agency. 1993 – 2003

Cash Management, Business Manager. 1997 - 2003

VicePresidentin charge of Local and International Cash Management business. Responsible for estimated revenues for 2003 of MMUS$13.2 with MMUS$9.0 costs. Cash Management product families was composed by collections (local & international), payments (local & cross border, including worldlink), electronic banking and specific products to finance clients collections (anticipate) & payments (confirming, paylink plus)

  • Successful Cash Management business development,growing revenues from MMUS$ 4 to MMUS$ 13 between 1993 and 2003.
  • Local Cash Management business market share increased in 300% between 1998 and 2003,ending with a 6%.
  • Positioning Citibank as a leader in International Cash Management Services for Corporate customers and Domestic Cash Management Services for multinational companies.
  • Redesign and implementation of a successful business strategy. The results leaded to an increase of a 120% of the operational volumes between 2000 and 2003. The strategy was based on a target market redefinition, a product and sales organization modification,creation of products based on Internet, existent services improvement and a product implementation process reengineering.
  • Formation and leadership of a well known high performance professional team composed of 13 members (Product Management, Sales, Implementations and specialized customer service)
  • Member of the Evaluation Positions Committee for Citibank Consumer & Corporate Bank.
  • Representative of a selected group of banks in the Chilean Automated Clearing House (Local ACH)

Cash Management, Product Manager. 1993 - 1997

Responsible for the development and maintenance of the Local Cash Management products. Since 1995 additionally takes responsibility for the International Cash Management products.

  • Local Cash Management annual revenues increase of 270% between 1994 and 1998 (MMUS$ 5.8).
  • Successful implementation of the Citibank’s Cash Management regional platform (Domestic payments, Collections and Electronic Banking)
  • Member of the regional Product Manager Team, responsible for the definition and design of the new products for Latin America.

BANCO DE CHILE 1986 - 1993

Corporate Bank Relationship Manager. 1992 - 1993

  • 20 % revenues increase of the managed customer base (annual revenues of MM$ 240).

Corporate Bank Product Manager. 1989 - 1992

  • High productivity award due to the creation of the first management control system for the corporate bank area
  • Successfuldeployment of the first electronic payment systems offered to Corporate Customers, acquiring the 30% of the target market.

Credit Analyst.1988 -1989

Systems Analyst.1986 -1988

EDUCATION

POSTGRADE IN BUSINESS ADMINISTRATION, DPA

Universidad Adolfo Ibañez, 1991 - 1992.

INDUSTRIAL ENGINEERING

Universidad de Chile, 1979 – 1985

ELEMENTARY AND INTERMEDIATE SCHOOL

Colegio del Verbo Divino.

COURSES / SEMINARS

  • Venture Capital Seminar (2007)
  • Remittances BID conference in Cartagena (Colombia, 2004) and Washington (2005).
  • Learning, Leadership and Communities, closed external course, Citibank, Miami (2 weeks) - 2002.
  • Payment Systems Risks, internal course, Citibank, Buenos Aires - 2001.
  • Electronic Banking, internal course, Citibank, Miami – 2000
  • Guest internal auditor for Worldlink, Citibank New York – 1998.
  • Member of the selected team for a Business productivity Improvement Project (One month in USA and in Buenos Aires)- 1996.
  • English, 3 weeks immersion, Cincinnati - 1997.
  • Payments Conference participant (NACHA) New Orleans - 1995.
  • Various: Job Evaluation, Quality ,E-business, Credit Risk, Advanced Selling Techniques, Negotiation Techniques, Marketing, Finance Treasury, Electronic Data Interchange (EDI), Leadership, Manager Development.

LANGUAGES

English, Spanish

HOBBIES

Biking, trekking and Sports in general.