Joao Lourenzo Cabrita

Leading Innovation and Digital transformation on a agile organization, managing risk/costs Driving digital channels adaptation w/ focus on customer, mashing the UX with IT capacities and external providers Promote cost consciousness and efficiency and enhance productivity, to minimize cost, avoid waste, and optimize benefits for the bank Support Executive Board strategic decisions, performance reviews and benchmarks, multi year plans, digital trends and innovation in banking, asset management and insurance

Orchestrate new products and services for clients focused on investment products. Ensure P/L while delivery of quality services to clients across Continents. Perform market trends analysis, benchmarking, business strategy planning and client feedback analysis - Boosted AUM by 300% via expansion and enhancements in products. Grew client base by 2X by establishing award-winning service - Customer Journey planning to cross-selling and up selling for Private and affluent segment

Collaborated with distributors and company departments across Spain and France in the product design, sales, PR, and marketing strategies / operations. Ensured proper implementation of commercial plans. Supported training, end customer / sales force education materials, objectives negotiation, and incentives. managed geographically-dispersed teams encompassing stakeholders in three different countries. Controlled marketing budget of €500 k and turnover revenues.

Established cross-selling activities between the Commercial Bank, Investment Bank, Insurance, and Leasing companies. Participated in creation and practical implementation of bancassurance and assurfinance products / services. Catered the distribution model. - Built network of brokers generating 10% of all mortgage proposals in the first year. Increased 20% of insurance products YOY - Developed MIS for branches and Executive Board for Insurance, Leasing, and Mutual Funds - Framework for Group website