About Pablo
Senior Product Manager specialised in recurring payments, direct debit and collections infrastructure.
I help fintechs and financial institutions build the payment infrastructure that keeps revenue flowing reliably — recurring billing, mandate lifecycle management, automated collections, and payment API integrations.
At Itaú Bank I led PAC 2.0, a core recurring payments and collections platform at scale: 30% fewer customer complaints, 15% higher collection rate, $15M in annual revenue through fintech integrations. I’ve also built mandate lifecycle systems (SEPA-equivalent), H2H bank integrations, and QR interoperability.
Beyond payments infrastructure, I take on selected consulting engagements where a senior PM perspective can make a real difference:
· Operational redesign — turning broken or manual payment and collections flows into structured, working systems
· 0-to-1 discovery — validating what’s worth building before committing real budget (34 user interviews, 60-screen prototypes, usability testing)
· Cross-border payment operations — onboarding, reconciliation, payout controls
Based in Dublin. Working remotely with European and Latin American teams.
Open to short sprints, operational redesigns, or fractional product leadership.
Case studies and full project details: pablomontenegro.ie
Spanish
Native or bilingual
English
Fluent
Remote only
Primarily works remotely
Experience
- Independent consultant (Remote)Payments & Collections Product ConsultantBANKING AND INSURANCEJanuary 2024 - Today (2 years and 7 months)Dublin, IrelandFreelance PM engagements focused on recurring payments, collections infrastructure, and operational redesign for fintechs and financial institutions.· Redesigned cross-border transfer operations — cut verification workload 70% at zero tooling cost· Led end-to-end discovery for a personal finance app — 34 user interviews across 3 countries, 60-screen prototype, 98% usability success rate· Delivered a full payment + inventory system in 7 days for a retailer scaling through TikTok Live· Validated safety hypothesis for a community cycling platform with 40 pilot users
- SURA Group,Business Strategy & Client SuccessJanuary 2016 - January 2017 (1 year)ChileSupported product and analytics teams in improving perfomance montiroing and client engagement initiatives within financial services• • Developed dashboards to monitor pension portfolio performance and retention metrics• • Supported initiatives aimed at improving customer engagement and loyalty• • Collaborated with analytics team to enhance reporting and performance insights
- Itaú Bank,Senior Product Owner / Product Manager|January 2017 - January 2024 (7 years)ChileLed product development initiatives for internal banking platforms and digital payment infrastructure, including reecurring payments, QR payments, and collections platforms, within one of Latin America's largest banking groups.• • Defined product priorities and managed backlogs for multiple agile delivery squads responsible for payment and collections platforms• • Led development of PAC 2.0, an automated recurring payment and collections system that reduced customer complaints by 30% and improved payment processing times by 20% approximately• • Delivered improvements to QR-based payment functionality, facilitating the adoption of new digital channels and increasing usage by 25% among SME and Small Business segments• • Implemented improvements in digital collections flows, increasing automatic payment rate by more than 15% during the first year of operation• • Reduced manual operational tasks in collections processes by 25% through workflow automation, decreasing operational workload for support teams• • Introduced product monitoring dashboards and operational metrics, reducing incident identification and resolution time by 40% on the platform• • Coordinated cross-functional delivery across engineering, QA, UX, operations and business teams to ensure product delivery aligned with operational and regulatory requirements
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Education
- MSc Banking & Financial MarketsPontificia Universidad Católica de Valparaíso & Universidad de Cantabria2024MSc Banking & Financial Markets
- Civil EngineerUniversidad Privada de Santa Cruz de la Sierra2005Civil Engineer