UPITE Consulting

UPITE Consulting is led by its founders and partners Javier Gómez-de-Olea and Juan De Zan, who have worked together for more than 10 years and whose direct and personal involvement in the company has been the main driver of UPITE Consulting’s success and leading position in its sector. ®

JAVIER GÓMEZ DE OLEA Y BUSTINZA

Founding Partner of UPITE Consulting and Chairman of the Board

Javier Gómez-de-Olea is the Founding Partner of UPITE Consulting and Chairman of the Board.; over the past twenty-three years, he has worked in the Banking and Strategic Consultancy sectors in twenty countries (Argentina, Armenia, Brazil, Canada, The Czech Republic, Chile, Colombia, The Dominican Republic, Ecuador, Mexico, Oman, Peru, Poland, Portugal, Puerto Rico, Romania, Russia, United States, Venezuela, and Spain).

His career began with the Natwest March Bank and, very soon, it took a turn towards the world of consultancy. In this sector, he has worked for The MAC Group, A.T. Kearney, Mercer Management Consulting (now OliverWyman) –where he was promoted to Partner and Vice–President and for Profit Technologies Corporation.

In April 2008, together with Juan De Zan and other minority shareholders, he incorporated established UPITE Consulting Services, S.L. and subsequently its Slovak, Peruvian, Argentinean, Chilean, South Korean, and Japanese subsidiaries, from where he has continued to advise many financial entities in Spain, Europe, Asia, and America. He has established commercial partnerships in Brazil, Chile, Colombia, India, Indonesia, Israel, Italy, Japan, Malaysia, Mexico, Oman, Peru, The Philippines, Poland, Portugal, Puerto Rico, Russia & The Commonwealth of Independent States, Scandinavia & Benelux, South Africa, South Korea, Turkey and Venezuela, as well as alliances with Intelica, TDX Indigo, and Europraxis (now INDRA Business Consulting) and with leading technological companies such as Tecnocom or Intracom (for the Eastern European markets).

In the past nineteen years, Javier Gómez-de-Olea has been mostly involved as a consultant in the European and Spanish & Portuguese-speaking American Financial Services sector. Over the past nine years, he has managed, and in some cases continues to manage –always in collaboration with Juan De Zan– Revenue Intelligence projects for all Retail Banking products for BBVA (in Spain, Argentina, Chile, Colombia, Mexico, and Peru), for Santander México and Santander Río in Argentina; Banesco in Venezuela; Banco Bolivariano in Ecuador; Postbank of the Deutsche Bank Group in Germany; Raiffeisen Bank International in Poland and Romania; BancaComercialӑRomânӑ–BCR of the Erste Group also in Romania; ČeskáSpořitelna of the same Erste Group in The Czech Republic; Bank Muscat in Oman; BHD in The Dominican Republic; Itaú and Cencosud in Argentina; Banco Votorantim in Brazil; VTB in Armenia; and La Caixa, Bankia and many other Spanish entities (such as Banco Guipuzcoano, Caixa Galicia, CAN, CetelemEspaña, Servicios Financieros Carrefour, BBK, Caja España–Caja Duero, LeasePlan, Iberia Cards, CatalunyaBanc, and Liberbank).

Javier Gómez-de-Olea graduated in 1987 with an MSc in Mechanical Engineering at I.C.A.I. Engineering School of Universidad Pontificia Comillas in Madrid. He then went on to obtain a Master's in Business Administration from the The Wharton School at The University of Pennsylvania in Philadelphia in 1991.

JUAN DE ZAN

Founding Partner of UPITE Consulting and Vice-Chairman of the Board

Juan De Zan is the Founding Partner andVice-Chairman of the Board of UPITE Consulting.

He has over thirty years' experience in consultancy and has worked in more than fifty Profitability Improvement projects for financial institutions in Europe and the Americas for over ten years.

Juan De Zan currently leads UPITE Consulting’s International Execution Division and, in turn, oversees the development of the Intellectual Capital of the firm and manages its strategic partnerships. In addition, he also supervises the identification of potential Profitability-Improvement areas in companies from the financial sector.

In 2008, together with Javier Gómez de Olea, he jointly founded UPITE Consulting Services, from where Juan De Zan has continued advising clients in the international banking sector and whose active participation and involvement in the execution of projects has constituted a double achievement: the success of all projects executed by UPITE Consulting and the setting up of well-trained teams capable of leading projects independently and in a successful manner.

Juan De Zan is an active participant in many international fora and focus groups, where he shares his ample knowledge on consultancy, which has been acquired throughout his extensive career in the sector, in which he has worked for leading international firms such as The MAC Group and Mercer Management Consulting (now Oliver Wyman).
In both companies, he worked on strategy, organization, business-valuation and Profitability-Improvement projects in over fifteen countries for leading companies and groups of the Americas and Europe.

Juan De Zan previously managed his own Senior-Management consultancy and training companies, both in Argentina and Ecuador, covering Management, Finance, Business Strategy and other matters oriented towards Senior Management positions.

Juan De Zan has a degree in Business Administration from the Universidad Católica Argentina (UCA, Buenos Aires) and a Master's in Business Administration from the Instituto de Empresa (IE, Madrid2).

UPITE Consulting counts with an International Advisory Board composed of four renowned professionals in the areas of Consulting, Business Academy and Banking and Finance.

AMBROSIO ARIZU

CEO and International Advisory Boardmember

Ambrosio Arizu is a CEO and member of the company’s International Advisory Board. He has over thirty years' experience as a Senior Management consultant and works alongside leading companies from Europe and America.

At present, he works as an adviser and consultant of large investment groups and is a member of the Board of Directors of companies in Spain and Argentina. Furthermore, he was the Senior Vice-President of Oliver Wyman and former Senior Associate of Gemini Consulting. Throughout his professional career, he has lived in Spain, France, the USA, Portugal, Brazil, Panama, Peru, Venezuela and Argentina.

Ambrosio Arizu has a Master's of Science Summa Cum Laude in Philosophy from the Universidad Francisco de Vitoria (UFV, Madrid, Spain) and a degree in Business Administration from the Universidad Católica Argentina (UCA, Buenos Aires).

MARTIN HOYOS

International Advisory Board Member

Martin Hoyos is a member of the company’s International Advisory Board. He previously worked as an auditor for large international companies at KPMG in Munich. Subsequently, he was transferred to KPMG Austria, where he managed the auditing of international group subsidiaries. He went on to become a partner of KPMG in Austria, where he was appointed as member of the Governing Board of KPMG in Germany, and also became the manager of the south region (Bavaria) with distinguished clients such as Siemens and BMW. He then became the Executive Director of KPMG EMA for the integration of companies in Europe, Middle East and Africa.

From 2002, he was responsible for coordinating the markets and sales of KPMG in Germany and subsequently took control of the management of KPMG in the region of Bavaria.

After leaving KPMG, Martin Hoyos joined the Boards of Directors of two companies and he is also currently a member of the supervisory board of four leading companies listed in France, Germany and the Netherlands.

JOEL KORN

Member of International Advisory Board y Senior International Partner Americas

Joel Korn is a member of the company’s International Advisory Board. He also oversees UPITE Consulting's activities in North America and Latin America/Caribbean regions.

An experienced commercial and investment banker, Mr. Korn held senior management positions at Bank of America's International Division, including Regional CEO for Latin America's Mercosul countries, President in Brazil and Argentina, Head of International Private Banking for Latin America / Caribbean, Senior Representative in Venezuela and Head of Currency Unit in Curaçao, Netherlands Antilles.

Mr. Korn is also founder of WKI Brasil, a management consulting and investment company, focused on expansion and market-entry corporate strategies for Latin American companies and multinational corporations, mergers, acquisitions and joint-venture formation.

He is currently a Board member of the Brazilian telecom company Embratel, a subsidiary of Telmex, Mexico and Brookfield Inc., a subsidiary of Brookfield, Canada . Mr. Korn served as a Board member of financial institutions and companies, such as Unibanco, Multibanco de Investimentos and a Banco Internacional, in Brazil, European-Brazilian Bank, in London, Rio de Janeiro Refrescos (Coca Cola) and Club Med, in Brazil. He was member of the Work-Group engaged in the development of a new strategic direction for the Inter-American Investment Corporation, investment arm of the IDB - InterAmerican Development Bank.

Mr. Korn has been actively involved with business associations and community involvement, as a four-term President of the American Chamber of Commerce, Brazil, Chair of the Business Cooperation Committee of the Getulio Vargas Foundation, Coordinator of the Foreign Investors Group, member of Social Responsibility Council of Ford, Brasil, Regional Chairman for Latin America of the Young Presidents' Organization -YPO- and World Presidents' Organization -WPO-, International Board member of Conservation International, Washington DC and Honorary President of its Brazil Advisory Board, Vice President of the Trade Association of Rio de Janeiro, Board member of Invest Brazil -investment promotion entity- Institute Brazil-United States, Museum of Modern Art and Municipal Theatre of Rio de Janeiro.

Mr. Korn was elected Business Leader of Rio de Janeiro, member of the Brazilian Forum of Business Leaders, and awarded several honorary titles in the State of Rio de Janeiro. He is Honorary Consul General of Turkey, in Brazil.

Born in São Paulo, Brazil, graduated in Economics from Mackenzie University, São Paulo, and Program for Management Development of Harvard Business School.

PEDRO VIDELA

International Advisory Board Member

Pedro Videla is a member of the company’s International Advisory Board. In turn, he is Head of the Economics Department at the IESE Business School. He has specialised in macroeconomics, international economics and emerging economies.

During his extensive professional career, he has taught at a vast number of universities throughout the world. Furthermore, as a consultant, Pedro Videla has taken part in projects with institutions such as the World Bank, the IMF, the EU and the IADB.

Pedro Videla holds a PhD (Economic Sciences) from the University of Chicago; MA (Economics) from the University of Chicago and a Master's and Bachelor’s Degree in Economics (Commercial Engineering) from the Universidad Católica de Chile.

UPITE Consulting’s international presence is personally Directed by Founding Partner Javier Gómez de Olea, but developed by professionals with direct knowledge and influences on countries where we are present.

JOEL KORN

International Advisory Board Member & Senior International Partner Americas

MANUEL LÓPEZ DE MIGUEL

Senior International Partner Asia Pacific

Manuel López de Miguel is UPITE Consulting’s Senior International Partner for the Asia Pacific Region.

He previously worked as a management consultant in the US, Asia and Europe. As a member of Monitor Group, he was responsible for developing its technology practice in Asia. In the early days of his career, he worked in the Aerospace industry in France and Germany, including three years as a consultant for the European Space Agency.

Currently he is CEO of the investment firm, Inversiones San Jorge. He is also Chairman of UNICEF Madrid Committee and a board member at UNICEF Spanish Committee.

Manuel López de Miguel holds an MS in Computer Science from Universidad Politécnica de Madrid, an MBA from Wharton School and an MPA from Harvard Kennedy School.

Our team of professionals directly involved in Project Execution are Directed by Founding Partner Juan De Zan who actively participates in all the projects of the company. Projects are always directed by one of our experienced Managing Directors whose international background comprise the best consultancy skills.

MARIA LUISA AGUIRRE

Managing Director

Maria Luisa Aguirre joined UPITE Consulting as Managing Director in 2010, where she managed and carried out projects with notable success. She has shown great leadership skills and a capacity for client relations on many Profitability Improvement projects in Latin America for prestigious entities such as BBVA Bancomer in Mexico, La Caixa, Bankia, Iberia Cards or Liberbank in Spain, and BHD in the Dominican Republic. Before joining UPITE Consulting, she executed other Profitability Improvement projects at Caixa Galicia, CAN, Santander México, Banco Sabadell and CajaSol. In all these projects, she was responsible for analysing Credit and Debit Card products, Current and Savings Accounts, Acquiring Business, Consumer Loans, Mortgages and Deposits.

Maria Luisa Aguirre began her successful career approximately twenty years ago at Deutsche Bank as an analyst and subsequently became the Account Manager for Large Corporate Banking Clients. Her extensive knowledge of the entity enabled her to become the Area Controller.

Subsequently, she joined a venture capital company belonging to the Torreal Group as an Investment Analyst and was responsible for drawing up, monitoring and controlling invested companies budgets. She then moved into the field of consultancy, where she has executed Profitability Improvement projects since 2005. Maria Luisa Aguirre has a thorough understanding of basic financial products and controls banking operations, particularly in Spain and in other Latin American countries.

Maria Luisa Aguirre has a degree in Business Sciences specialising in Finance from the European Business Schools International Group (EBSI), Centro Universitario Villanueva, affiliated with the Universidad Complutense of Madrid.

ALBERTO CID

Managing Director

Alberto Cid is the Chairman of UPITE Consulting’s subsidiary in Argentina called MAC Group Efficiency Improvement, and is currently in charge of business development in Argentina and Uruguay. He has managed Profitability Improvement projects in Argentina, Brazil, Colombia and Mexico.

He has vast experience in the management of operating departments, as well as strong skills in the coordination of multi-disciplinary teams focusing on process analysis, design and improvement. Throughout his professional career, Alberto Cid has performed managerial roles in leading Banks. He was Director of Operations at Banco Supervielle, Centralised Processes and Organisation Manager at HSBC Bank, and Treasury Manager at the companies of the HSBC Group in Argentina.

Furthermore, he has experience as a consultant at international firms such as The MAC Group in Argentina and the Auditing Division of Financial Entities of PricewaterhouseCoopers.

He represented HSBC Bank and Banco Supervielle before a range of financial market institutions. He was the Manager of COELSA (Compensadora Electrónica S.A.), a member of the Technical Committee of the CIMPRA (Inter-banking Committee of Means of Payment of Argentina), and member of the Operations Commission of ABA (Association of Banks of Argentina) and ADEBA (Association of Argentinean Banks).

Alberto Cid has a degree in Economic Science and has comprehensive knowledge of the financial services industry.

CLEMENS HOYOS

Managing Director

Clemens Hoyos is a Managing Director at UPITE Consulting. He joined the company in 2011 as a Consultant and went on to become a Managing Director since 2016. He has been in charge of multiple successful projects in various different countries over the last years. In addition to that he has had a vital role in strategy development and client management within the company.

He started his professional career as a founding partner of a Start-Up being responsible for Finance and Marketing. He then went on to join a consultancy firm in which he was participating in projects in the fields of renewable energies, the IT technologies services sector and financial sector.

Clemens Hoyos has vast experience in the field of consultancy and in-depth knowledge of Commercial Banking products.

He has studied Business Administration at the Universities of Vienna and Passau, and specialized in Finance and Logistics

DIEGO SOLDATI

Manager

Diego Soldati is the Senior Executive of UPITE Consulting’s subsidiary in Argentina, MAC Group Efficiency Improvement. He has vast experience in the business development of leading companies and has excellent relations with the main banking entities of the Latin American market.

Since 2009, he has actively taken part in Profitability Improvement projects across Argentina (Santander Río, BBVA Banco Francés, Cencosud, Mutual de Venado Tuerto and Itaú) and Brazil (Banco Votorantim), taking responsibility for management, business studies, skills analysis, initiative identification, recommendations, economic impact assessment, and the definition and implementation planning of these projects.

As an independent consultant, he has collaborated with PayPal (an eBay company) as the Principal Adviser of Emerging Markets Development; contributed to product development and training of the sales force of Itaú Unibanco (Itaú-TAM Cobranded Cards); and overseen the technological strategy for Farmalink, a leading processor for the prevention of fraud in the pharmaceutical industry in Argentina.

The launch and development of the first network of Terminal Points of Sale in Argentina (LAPOS), Visa Debit and Prepayment Cards can be counted among his main achievements. Furthermore, he managed the authentication of Visa Argentina’s process to operate the American Express card, thus he turned the entity into a multi-brand processor. This resulted in a significant increase in revenue and the value of that company.

Diego Soldati has a Degree in Systems Analysis from the Universidad Tecnológica Nacional (Argentina) and completed an Executive Development Programme at the School of Administration and Business at the Universidad Austral-IAE in Buenos Aires.

MATÍAS SCAVONE

Manager

Matías Scavone joined UPITE in 2010 and since then, has been specialized in the optimization of retail banking and consumer finance products.

As a Manager, with ample knowledge of international banking practices, he has led the analysis and project execution on spot, as well as the client relationship management, for more than 20 Revenue Intelligence projects in Asia, Europe and Latin America, providing solid understanding of profitability dynamics, project and team leadership, and managing multi-site project delivery.

In addition, Matías is the head of resource management at UPITE.

Previously, he worked at ING U.S. Financial Services for the Sponsor new business division were he gained experience of the insurance products.

Matías has an M.B.A. in International Entrepreneurship from Hoschschule Bremen University of Applied Sciences (Bremen, Germany), a M.A. in International Business Administration at University of Valencia (Valencia, Spain) and a degree in Business Administration with a minor in Finance from Central Connecticut State University (Connecticut, United States).

OUR TEAM

MANAGEMENT

UPITE Consulting is led by its founders and partners Javier Gómez-de-Olea and Juan De Zan, who have worked together for more than 10 years and whose direct and personal involvement in the company has been the main driver of UPITE Consulting’s success and leading position in its sector. ®

JAVIER GÓMEZ DE OLEA Y BUSTINZA

JUAN DE ZAN

INTERNATIONAL ADVISORY BOARD

UPITE Consulting counts with an International Advisory Board composed of four renowned professionals in the areas of Consulting, Business Academy and Banking and Finance.

AMBROSIO ARIZU

MARTIN HOYOS

JOEL KORN

PEDRO VIDELA

BUSINESS DEVELOPMENT LEADERS

UPITE Consulting’s international presence is personally Directed by Founding Partner Javier Gómez de Olea, but developed by professionals with direct knowledge and influences on countries where we are present.

JOEL KORN

MANUEL LÓPEZ DE MIGUEL

ENGAGEMENT EXECUTION LEADERS

MARIA LUISA AGUIRRE

ALBERTO CID

CLEMENS HOYOS

DIEGO SOLDATI

MATÍAS SCAVONE