Senior Product Manager · Dublin, Ireland
Payments · Collections · Digital Banking · Open Finance
"Most businesses don't know why their payments fail. I've spent 10 years building the systems — and understanding exactly what breaks."
About
I have 10+ years in banking and financial services — 7 of them at Itaú Chile, one of Latin America's largest banks, owning the product roadmap for digital payments and collections. I built PAC 2.0, led QR interoperability programs, delivered ePAC (the digital mandate platform), and managed squads across payment infrastructure and operational tooling. Since then, I've worked as an independent payments consultant for fintech teams across LatAm and Europe.
I moved to Dublin because the same problems I solved in Chile exist in Europe. The SEPA infrastructure is more sophisticated. The regulatory framework is clearer. But the gap between what the data says and what businesses actually do with it? Identical.
I understand the full stack: APIs, payment rails, failure modes, retry logic, mandate management, notification engines, and what the rejection file actually says. I don't just know how payments work — I know why they fail, and what to do about it.
Selected work
Itaú Bank Chile & Independent — 2020–2024
UX/UI · Design Thinking · Personal Finance · 2024
Personal finance app designed from scratch. Full 5-stage Design Thinking process: 34 user interviews across Chile, Colombia and Argentina, competitive benchmarking, card sorting with 11 participants, four wireframe fidelity levels, full UI Kit, and usability testing. The core finding: users didn't want more data — they wanted fewer decisions.
Collections Platform · Itaú · 2021–2022
Full redesign of Itaú's recurring payment and collections system. No retry logic, no failure classification, no notifications — collections failed silently. Led discovery, API design, dashboard delivery and phased rollout.
Payment UX · Itaú · 2022–2023
Users were abandoning at specific steps. Error states confirmed something failed without explaining what. Mapped every drop-off point, ran usability testing, benchmarked against PIX. Redesigned the language of errors — not just the layout.
Digital Mandate Platform · Itaú · 2021–2022
A 45-day paper mandate process was killing sales. Companies lost clients who signed up before the first collection ran. Led product definition and Forpay partnership delivery of a fully digital mandate platform — online or max 24 hours.
B2B Payment Infrastructure · Itaú + Paga en Línea · 2022–2023
High-value corporate payments from any Chilean bank through one integration. A CLP 70M car purchase shouldn't take 5 days — but it did. Defined dual access models (API + portal), led pilot with 3 companies targeting 40 corporate clients.
Platform Infrastructure · Itaú · 2020–2021
Legacy notification system had hard volume caps, unreliable delivery, and no push support. A direct debit only works if the user knows it's coming. Defined 3-channel engine (SMS, email, push) with intelligent routing and bank-wide plug-and-play architecture.
Product Analytics · Itaú · 2020–2021
Incidents were identified through complaints, not data. Defined three distinct dashboard views — operational (real-time), commercial (client-level) and product (trends) — for different audiences making decisions at different speeds.
Products
Practical resources for fintech teams, PMs and founders — built from 10 years of hands-on payments work
Template · Notion / Document
Standardise how your team documents product decisions, payment flows, and operational processes. Built for fintech teams who ship fast and need documentation that keeps up. Covers product discovery, technical specs, and incident post-mortems — all in one coherent system.
Guide · 10 chapters · EN & ES
The practitioner guide to building payment and collections products. Not theory — what actually happens when you build these systems and they fail in production. Covers payment rails, failure design, retry logic, mandate management, global systems (SEPA, PIX, FedNow), and what the rejection file actually says.
Tool · Excel · EN & ES
Automated weighted scoring model built specifically for fintech teams and banking product areas. 7 prioritisation pillars with MoSCoW as the filter layer — removes subjectivity from backlog decisions. Covers business value, user impact, technical effort, regulatory risk, strategic alignment, dependencies and time sensitivity. Used by PMs at fintechs across LatAm.
Tool · Excel macro · Personal finance
A personal finance macro Excel built for individuals who want real control over their money — not just a tracker. Covers income, expenses, savings goals, investment tracking and net worth evolution. Designed around one principle: fewer decisions, better defaults. The same thinking behind Monevol 360, in a spreadsheet you actually own.
Experience
Strategy, discovery and advisory for fintech teams across LatAm and Europe.
Owned roadmap and delivery for digital payments and collections at one of Latin America's largest banks. Led 6 major product initiatives across payments infrastructure, recurring collections, mandates and operational tooling.
Corporate Cash Management
Writing
Industry analysis and perspectives on payments, open finance and digital banking
An analysis of why Chile's Open Finance regulatory framework stalled, what it means for payment innovation in the region, and why the market cannot afford to wait. Written for a payments practitioner audience — covers regulatory mechanics, market impact, and what financial institutions should be building in the meantime.
Read on LinkedIn →A practitioner's perspective on payment infrastructure evolution — the gap between what the technology allows and what the regulatory framework currently permits, and what it would take to close it. Draws on direct experience building payment products at a Tier 1 Chilean bank.
Read on LinkedIn →Beyond work
Epic world-building with real consequences — Game of Thrones, Good Omens. I'm drawn to stories where complex systems collide with human nature and nobody fully controls the outcome. Payments, basically.
Interstellar. Watched it more than once. A film about trying to solve an impossible problem with incomplete information, under time pressure, with people depending on you getting it right. I relate to that professionally.
Urban cycling in Santiago — through the city, out to Quebrada Macul. In Dublin mostly along the coast. It's how I clear my head between one problem and the next.
Skills
Product
Payments domain
Technical
Design
Delivery
Tools
Education & certifications
MSc Banking & Financial Markets
P. Universidad Católica de Valparaíso & Universidad de Cantabria, Spain
Diploma in Digital Banking & Fintech
Universidad de Cantabria
Certified Scrum Product Owner
CertiProf
Product Designer Certificate
Coderhouse
BSc Civil Engineering
Universidad Privada de Santa Cruz de la Sierra
Senior PM roles in payments, collections or digital banking across Europe. Contract roles available immediately. Permanent roles with visa support welcome.