The problem
Most financial institutions in Latin America can't build a full Open Finance and product-marketplace stack themselves — the integrations, data pipelines, decisioning, and compliance layers are too much to take on in-house. Conecta Pro existed to be that infrastructure: white-label, API-driven, and configurable enough that an institution could offer its own customers a marketplace of financial products without building the plumbing behind it.
What I owned
As Partner & Head of Product, I sat between financial institutions, technology and data partners, engineering, and business stakeholders — translating each institution's requirements into a configurable product rather than a one-off custom build.
Specifically, I owned:
- How third-party Open Finance providers fed bank-account data into the platform, from user consent through ingestion, normalization, and into decisioning and product experiences an institution could offer its own customers.
- The product surface itself: KYC and facial/document verification, ML-based credit scoring, credit decisioning, and the embedded marketplace.
- Product and operational decisions across roughly $1B in annualized transaction data, contributing to a 35% efficiency improvement within six months.
- Scaling the model across five Latin American countries, each with its own regulatory and banking-integration reality.
Why it mattered
The decision that mattered most was refusing to sell a single consumer product and building infrastructure instead — something an institution could embed into its own experience. That's a materially harder product to get right: configurability has to hold up across institutions with different rules, data, and customers. But it's the version that becomes durable, embedded revenue rather than a vendor relationship an institution can swap out at the next renewal.