Jose Carlos Garza

About Jose Carlos Garza

Results-oriented leader passionate about innovation and best-in-class customer experience.Over the past decade, I’ve helped shape Mastercard’s global product roadmap and commercialization — from launching new solutions like Mastercard payment passkeys and Click to Pay, to driving person-to-person payment expansion with Mastercard Send and enabling AI Agents for agentic commerce. Blending strategy, user experience, and technology to transform how consumers, merchants and financial institutions interact in digital commerce.I believe the best ideas come from collaboration. My approach centers on connecting teams across brand, product, legal, design, development and commercial functions to turn complexity into clarity and strategy into results. Today, I lead global product and commercialization initiatives, driving adoption across markets while developing scalable frameworks that support innovation and long-term growth.

Experience

1. Product and Experience Strategy Director

   Mastercard

   Dec 2022 — Present · New York, NY, US

   Focused primarily on building and commercializing Mastercard payment passkeys across online checkout, including agentic commerce through cross-functional leadership across product development, legal and franchise, brand, marketing and across existing product verticals to execute our authentication strategy in online payments Led the development of relevant sale materials, product documentation in support of our commercialization strategy and liaised with global and regional partners and consumer experience optimization strategy.

Education

• IPADE Business School

  MBA, Business

  2011 — 2013

• Universität Mannheim

  Master of Business Administration (MBA), Marketing/Marketing Management, General

  2012 — 2012

• Tecnológico de Monterrey

  Bachelor of Engineering (B.E.), Mechatronics, Robotics, and Automation Engineering

  2006 — 2010

• University of Nottingham

  Bachelor of Engineering (B.E.)

  2008 — 2008

Skills

• Creative Problem Solving
• Microsoft Excel
• Financial Analysis
• Strategic Planning
• Product Development
• Analysis
• Strategic Thinking
• Public Relations
• Business Strategy
• Marketing
• Microsoft Office
• Sales
• Culture Change
• Photography
• Apple
• Program Management
• Yoga
• Cultural Diversity
• Strategy
• Business Development
• Management
• Oil Paint
• Marketing Strategy
• Spanish
• Solution Selling
• Internet of Things
• Business Planning
• Market Research
• Entrepreneurship
• Multilingual
• Project Management
• Digital Strategy
• Diplomacy
• Cooking
• English
• Project Planning
• Payments
• Financials
• Customer Service
• Cloud Computing