Sports and travelling
JORGE STOCK
Executive | Strategy | Digital Transformation | Change Management | PMO | Business Development
Summary
Accomplished Executive with progressive financial industry background and decisive leadership style. Offers strategic planning abilities, background in technology, change management and forward-thinking mindset. Ready for complex challenges and focused on meeting future demands.
Overview
28
28
years of professional experience
5
5
years of post-secondary education
4
4
Language
Work History
Chief Operating Officer
SBM Bank
02.2020 - Current
- Refined organizational structure to consolidate, streamline and delineate necessary functions.
- Oversaw business-wide changes to modernize procedures and organization.
- Directed technological improvements, reducing waste and business bottlenecks.
- Negotiated and drafted contracts with business partners, clients and vendors, saving company over $ 20M.
- Reengineered departments to establish top-performing groups while decreasing costs by 15%.
- Led recruitment and development of strategic alliances to maximize utilization of existing talent and capabilities.
- Interviewed, supervised and motivated 500 staff members to achieve optimal productivity.
Interim Chief Executive Officer
SBM Bank
11.2020 - 06.2021
- Coached and guided senior managers to improve employee job satisfaction and achieve higher performance levels.
- Increased company profit by $40M through sustainable and aggressive new market strategies.
- Implemented strong hiring and training techniques to promote team cohesiveness and streamline overall workflow.
- Addressed employee and managerial concerns and implemented corrective actions to promote compliance.
- Reviewed individual department performance and worked with leadership to improve processes, procedures and practices.
- Managed partnerships and strategic business relationships by negotiating contract terms and handling conflicts.
- Made large-scale financial decisions and supervised company spending to reduce material losses and maximize profits.
- Cultivated forward-thinking, inclusive and performance-driven company culture to lead industry innovations.
- Engaged positively with staff and leadership colleagues, soliciting and encouraging feedback and collaborative spirit.
- Coached and guided senior managers to improve employee job satisfaction and achieve higher performance levels
- Procured and coordinated new resources to achieve sales targets within optimal timeframes
- Identified new revenue generation opportunities to maximize bottom-line profitability
Interim CEO (consultant)
Xcalibra AG
08.2019 - 01.2020
- Led the licensing process, according to the Swiss Financial Market Supervisory Authority (FINMA) regulatory framework
- Implemented the operational and AML & KYC policies and procedures for a new Digital Bank license.
Chief Executive Officer
First Capital Bank
08.2014 - 12.2018
- After FMB Holding´s acquired the bank in Mozambique, I onboarded as the first substantive CEO post acquisition.
- I remolded the bank focusing on a wide range of areas such as business re-engineering, human resources and operations.
- Identified the key target segments for the bank to grow the business.
- Identified cost savings, business opportunities and dwindled in the wake of a deteriorating external environment.
- Stabilized the bank’s operations and performance immediately after the acquisition and over the economic challenges.
- Established foundational processes for business operations.
- Negotiated terms of business acquisitions to increase business base and solidify market presence.
- Engaged positively with staff and leadership colleagues, soliciting and encouraging feedback and collaborative spirit.
- Addressed employee and managerial concerns and implemented corrective actions to promote compliance.
- Made large-scale financial decisions and supervised company spending to reduce material losses and maximize profits.
- Directed market expansions to propel business forward, meet changing customer needs.
- Identified new revenue generation opportunities to maximize bottom-line profitability.
- Cultivated forward-thinking, inclusive and performance-driven company culture to lead industry innovations.
- Procured and coordinated new resources to achieve sales targets within optimal timeframes.
Head of Lean Transformation Program
Banco BPI
09.2013 - 07.2014
- Improved efficiency by 30% - reduction in FTE.
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
- Developed team communications and information for continuous improvement.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Head of Corporate
BFA - Banco de Fomento Angola
05.2012 - 09.2013
- Governed corporate banking and started-up activities for new area focused on the largest corporate clients –for this all-purpose, multi-specialized bank involved in commercial banking products and services
- Planned strategy for business growth, gained market share in credit and grew profit margins while maintaining sound levels of credit risk
- Developed initiatives that optimized profitability, namely the creation and implementation of the Oil & Gas segment, which in the following years contributed with more than 30% to the increase in deposits & assets.
Head of Marketing
BFA - Banco Fomento Angola
01.2010 - 04.2012
- Oversaw development of traditional and social media marketing campaigns to drive sales and customer engagement.
- Managed branding campaigns and event marketing initiatives in print, video, web and social media.
- Coordinated teams of design and implementation professionals to manage all project objectives.
- Developed and recommended product positioning, packaging and pricing strategy to produce highest possible long-term market share.
- Increased consumer retention by reactivating dormant consumers through retention campaigns.
- Oversaw account budgets, internal billings and monthly P&L to achieve financial goals.
- Analyzed ratings and features of competitors to evaluate effectiveness of marketing strategies.
- Increased market awareness and penetration through development of creative collateral.
- Conducted and evaluated market research to adjust marketing strategy to meet changing market and competitive conditions.
Head of Workplace Banking & Private Label Banking
Banco BPI
09.2008 - 12.2009
- Successfully managed network business, sales, business development, and commercial partnerships
- Refocused the business on specific products and customer groups, grew the mortgage business and developed cross-selling to existing customers and businesses
- Reorganized the debt collection strategy to meet local regulations, improving recovery rates and enhancing collection efficiency on delinquent accounts
- Tailored credit scoring models by segment and market and introduced more effective analytics and metrics to enhance credit decisions and accountability.
Regional Head of Retail and Business Banking
Banco BPI
10.2000 - 09.2008
- Led the Retail and Business Banking teams composed by 12 Team Leaders with national scope and 24 Business Coordinators with direct responsibility of 700 Branches and Investment Centers.
- Grew the balance sheet of credit products for individuals, in the total amount of € 3 Billion in assets and an annual net profit of € 250M.
- Successfully managed sales in the branch network and developed commercial partnerships in the real estate, private label and automobile finance segments, with the capture of new credit through commercial partnerships reaching a weight of 40% in the total credit raised by the bank.
- Won in 7 consecutive years to be amongst the top 10% Retail Bankers.
Branch Manager
Banco BPI
06.1996 - 10.2000
- Led implementation strategy of assimilating 3 branches of diverse brands in the municipality of Maia following merger between of Banco Borges & Irmao, Banco Fomento Exterior, and Banco Fonsecas & Burnay.
- Boosted sales and customer loyalty through incentive programs.
Customer Relationship Manager
Banco BPI
09.1994 - 05.1996
- Reinforced established quality control standards and followed procedures for optimal customer interactions.
- Monitored metrics and developed actionable insights to improve efficiency and performance.
- Developed summaries to assess each client's participation level and determine targets for follow-up plans.
- Offered internal and external customers first-rate customer service to maximize satisfaction and business success.
Education
Diploma - Financial Technology and Financial Innovation
Saiid Business School - University of Oxford
Oxford - United Kingdom 02.2018 - 11.2018
Bachelor of Arts - Economics & French
Anglia Ruskin University
Cambridge - United Kingdom 09.1989 - 07.1993
Skills
Planning and execution
Change Management
Business planning
Business Development
Program oversight
Cost savings and reduction
Interests
Timeline
Interim Chief Executive Officer
SBM Bank
11.2020 - 06.2021
Chief Operating Officer
SBM Bank
02.2020 - Current
Interim CEO (consultant)
Xcalibra AG
08.2019 - 01.2020
Diploma - Financial Technology and Financial Innovation
Saiid Business School - University of Oxford
02.2018 - 11.2018
Chief Executive Officer
First Capital Bank
08.2014 - 12.2018
Head of Lean Transformation Program
Banco BPI
09.2013 - 07.2014
Head of Corporate
BFA - Banco de Fomento Angola
05.2012 - 09.2013
Head of Marketing
BFA - Banco Fomento Angola
01.2010 - 04.2012
Head of Workplace Banking & Private Label Banking
Banco BPI
09.2008 - 12.2009
Regional Head of Retail and Business Banking
Banco BPI
10.2000 - 09.2008
Branch Manager
Banco BPI
06.1996 - 10.2000
Customer Relationship Manager
Banco BPI
09.1994 - 05.1996
Bachelor of Arts - Economics & French
Anglia Ruskin University
09.1989 - 07.1993