Fernando de Gonzalo

- Led the governance of sales channel (sales model, partners, stores, products) - Directed strategic initiatives (channel expansion, transformation, optimization). - Ensured alignment between partners and company's strategy (commercial policy guidelines, quality standards). - Drove sales and financial performance monitoring. - Designed compensation framework and incentive programs. - Oversaw customer satisfaction excellence. - Directed projects to make process more efficient and generate synergies.

- Designed commission schemes for retail channel by product category in coordination with Marketing team, and conducted ongoing monitoring to adjust commissions in line with commercial strategy and market trends. - Conducted in-depth strategic analysis (such as channel transformation, business models, partners’ suitability) and developed daily and monthly business performance reports with KPI tracking (such as profitability model), providing continuous insights and recommendations to senior management

- Managed the insurance portfolio, covering risk exposure by successfully mediating between clients and insurances companies.

Conducted budget reporting providing variance analysis of business performance against budget in all business lines.