Patricio Arrangoiz

About Patricio Arrangoiz

I am a credit and wealth management senior executive with 20+ years of experience across private banking, strategy consulting, retail banking, payments, and fintech — spanning Mexico, the United States, and international markets.Today I serve as Senior Credit Solutions Advisor at Santander Private Banking International in Miami, where I design and deliver secured lending strategies for HNW and UHNW clients across Latin America. My work sits at the intersection of investment strategy and structured finance — helping clients unlock liquidity from their portfolios through Lombard loans, single-stock financing, asset-backed credit, and bespoke collateral structures, while integrating tax efficiency, risk management, and long-term wealth planning into every solution.Earlier in my career I held Director-level roles at Santander Mexico, Santander Bank N.A, and Visa Consulting & Analytics, and served as Senior Consultant at KoreFusion — building a cross-industry track record in financial planning, business strategy, product development, and payments across 10+ markets in the Americas and Europe.I hold a Master’s in Business Management from Harvard University and a B.S. in Industrial Engineering from Universidad Iberoamericana, complemented by certificates from MIT (Fintech Innovation) and Harvard Extension School (Strategic Management and Principles of Finance).Outside of work I am an avid runner and golfer, a proud father of two, and a lifelong technology enthusiast always on the lookout for for the latest gadgets and innovations that can genuinely enhance people’s daily lives.Passionate about driving innovation and growth across diverse industries, committed to leveraging expertise to achieve strategic goals and create meaningful, lasting impact. Miami, FL · Open to connecting with private bankers, family office advisors, and wealth management professionals across the Americas and beyond.Specialties: Wealth Management Secured Lending Private Banking Credit Strategist Business Development Partnerships Development Financial Planning & Analysis Strategic Planning Stakeholder Relations Goals and Incentives Team Leadership Lombard Loans Single Stock Loans Corporate Finance Market Research Pricing and Competitive Positioning Customer Segmentation Digital Wallets Cards and Alternative Payments-DISCLAIMER:All posts, ideas and opinions are solely mine and do not represent the views of any third person, company, or past / present employer.

Experience

1. Senior Credit Solutions Advisor Secured Lending & Strategic Financing

   Santander Private Banking International

   Nov 2024 — Present · Miami, FL, US

   Specialized senior advisor within Santander Private Banking International’s Miami office, serving HNW and UHNW clients across Latin America. Working at the intersection of wealth management and structured credit, I partner with relationship managers, investment advisors, and family office teams to design bespoke secured lending strategies that unlock liquidity, optimize risk, and fuel long-term financial planning.Core focus areas include Lombard loans, single-stock financing, cross-border financing, and other asset-backed credit facilities — structured in close collaboration with Risk, Real Estate, Derivatives, Insurance and Advisory teams across jurisdictions.My work bridges the gap between a client’s investment portfolio and their financing needs — turning static assets into dynamic tools for opportunity capture, portfolio preservation, and intergenerational wealth transfer.

Education

• Harvard Extension School

  Professional Certificate, Strategic Management

  2016 — 2016

• Universidad Iberoamericana, Ciudad de México

  Bachelor of Science - BS, Industrial Engineering

  1997 — 2002

• Harvard University

  Master (ALM) in Business Management, HES, Business Administration and Management

  2015 — 2017

• Massachusetts Institute of Technology

  Certificate, Fintech Innovation

  2016 — 2016

• Tecnológico de Monterrey

  Diploma in Leadership and Talent Management, Human Resources Management/Personnel Administration, General

  2011 — 2012

• Universidad Iberoamericana, Ciudad de México

  Diploma in Marketing: Commercial and Competitive Strategy, Marketing/Marketing Management, General

  2003 — 2004

• Harvard Extension School

  Professional Certificate, Principles of Finance

  2015 — 2015

Skills

• Financial Modeling
• Market Research
• Financial Planning
• Team Leadership
• P&L Forecasting
• Financial Analysis
• Planning Budgeting & Forecasting
• Financial Services
• Investments
• Coaching
• Business Process Improvement
• Banking
• Business Strategy
• Excel
• Executive Reporting
• Cross-Cultural
• Management
• Strategic Planning
• Data Analysis
• Financial Markets
• Microsoft Office
• Retail Banking
• Social Media
• Marketing
• P&L Analysis
• Strategic Financial Planning
• Business Analysis
• Strategy
• Finance
• Business Planning
• People Management
• Technology Enthusiast
• Negotiation
• Manage Client Relationships
• Marketing Strategy
• Mobile Technology
• Business Development
• Profitability Analysis
• Social Media Marketing
• Microsoft Excel