Carlos Beltran
Senior Product Manager Embedded Finance @Scotiabank
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WORK HISTORY
Senior Product Manager Embedded Finance @Scotiabank
Toronto, ON, CA
EDUCATION
Bond University
English for Business
Universidad de Los Andes
Industrial Engineer, Engineering/Industrial Management
MIT Sloan Executive Education
Artificial Intelligence: Implications for Business Strategy
CFTE - Centre for Finance, Technology and Entrepreneurship
Specialisation, Open Banking and Platforms
Melbourne Business School
MBA Exchange Student, International Business
McGill University
MBA, International Business & Finance
SKILLS
ABOUT CARLOS BELTRAN
With over 15 years of experience in the financial industry across multiple countries and segments, I am a passionate and results-oriented professional with a strong background in retail credit risk, payments, digital banking, and trade finance. I have successfully led and executed various strategic initiatives and projects that have enhanced customer experience, reduced costs, and increased profitability. As the Collections Technology and Analytics lead at Scotiabank, I am responsible for developing and implementing innovative solutions that leverage artificial intelligenceto optimize collections performance and recovery. I collaborate with internal and external stakeholders, such as business partners, vendors, regulators, and fintechs, to identify and address the opportunities and challenges of the evolving financial landscape. My mission is to enable Scotiabank to become a leader and deliver value to our customers, shareholders, and society.
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