Guillermo José Cacua Sanmiguel
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Ingeniero Financiero
Bogota D.C., Colombia
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Pricing Manager for LATAM RegionCemexMar 2019 - Current (7 years 8 months)- Revenue management
Monitor and analyze pricing data from the commercial team and customers to create and enhance a data set that can be used to support a consistent approach to pricing by sector, service,
- type of product and suggest changes to our pricing strategy, when necessary, based on external factors (i.e., competitors) and past results.
- Work closely with the planning and commercial teams in all LATAM Business Units to model pricing scenarios and develop an opportunity-specific pricing strategy for all Top Opportunities with a priority on key customers
- to optimize sales and profitability.
Recommend pricing actions to the leadership team to improve price realization and profitability
- Lead the des- Commercial Planning Manager for LATAM RegionCemexOct 2017 - Mar 2019 (1 year 6 months)- Plan, organize and manage actions that guarantee the fulfillment of the commercial objectives.
Develop strategies to promote sales of the current product portfolio
• Implementation and continuous improvement of tools that allow better commercial an - Financial Services and Trade Marketing Manager Construrama DepartmentCemexMay 2016 - Oct 2017 (1 year 6 months)- I generated high-level strategic alliances with the most important banks in the country, obtaining benefits such as commissions and preferential credit lines.
• I developed new financing offers for more than 2.5 million USD that generated higher re - Head of MicrofinanceCemexMar 2013 - Oct 2015 (2 years 8 months)- I designed and implemented financial products according to specific customer needs.
I negotiated and fulfilled commercial contracts to establish agreements with financial entities to obtain the best benefits for the company's clients.
- I administrated the company's resources assigned to the financing of specific clients +200K USD.
I trained the sales team about financial products and agreements with financial entities.
- I designed and implemented a portfolio recovery policies for the Patrimonio Hoy program.
Head of microfinance responsibilities (mentioned in the previous job experience).
•Quality life improvement of more than two hundred families per year through the granting of microcredit lines for the - Manager of Credit Card Retention and Service LevelsScotibankMay 2010 - Jun 2012 (2 years 2 months)- Responsible for managing the cancellation levels of the credit card portfolio through the design and implementation of strategies for activation and frequent use of the credit cards, increasing billing and portfolio levels, making the brand profitabl
- Ensure the effectiveness of the payment system to meet the needs of users in the market, by monitoring the indicators that measure the efficiency in processing a transaction, using tools such as process optimization
- proposals, prompt attention of new products, models to increase billing, requests for platform developments, alliances and promotions for each type of product.
- Customer portfolio segmentation to effectively implement the retention strategies.
- Supervise - CSME Collection DirectorColpatria BankSep 2008 - Apr 2010 (1 year 8 months)- Improve the bank's position through direct negotiation with CEO´s in order to minimize the risk of default by improving guarantees.
- Responsible for collection and portfolio management of SME companies.
Portfolio management for more than 3 million USD.
- Portfolio recovery levels greater than 90%
Participation in the portfolio rating committee.
Credit collection control through constant customer visits.
- Present and negotiate agreements with customers in the credit committee.
Improve the bank's position through direct negotiation with CEO´s in order to minimize the risk of default by improving guarantees.
•Responsible for collection and portfolio management of SME companies.
•Portfolio man - Senior SME Credit AnalystScotibankSep 2007 - Aug 2008 (1 year)- Perform a financial analysis evaluating the company to be financed and its owner, making economic and qualitative estimates in order to identify capacity and willingness to pay.
- Company and operations analysis through visits to the company and one to one conversations with key personnel in the company
Ensure the permanent and timely updating of customer information in order to reduce credit risk
- Socialize customer credit applications in the credit committee, supporting the correctly documented financing proposals
- Analyzed customer credit applications that totalled more than 1.5 million USD per month - CJunior SME Credit AnalystColpatria BankSep 2006 - Sep 2007 (1 year 1 month)- Perform a financial analysis evaluating the company to be financed and its owner, making economic and qualitative estimates in order to identify capacity and willingness to pay.
- Company and operations analysis through visits to the company and one to one conversations with key personnel in the company.
- Ensure the permanent and timely updating of customer information in order to reduce credit risk.
- Analyzed customer credit applications that totalled more than 0.5 million USD per month.
Education
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- Transformación digital: Equipos online y trabajo colaborativoLinkedInNov 2022
- Scrum Foundation Professional Certificate - SFPC™ (v2020)CertiprofNov 2022
- Técnicas avanzadas de negociaciónLinkedInNov 2022
- SMaster of Business Administration - MBASan Paulo Ceu UniversityJan 2011 - Jan 2012 (1 year 1 month)
- Diploma, Corporate Credit RiskCESAFeb 2010 - Aug 2010 (7 months)
- Financial Engineer, Financial and Financial Management ServicesUniversidad Piloto de ColombiaJan 2002 - Dec 2007 (6 years)