01
A consumer credit card, from scratch
Launched a credit card from zero inside a super-app — owning the product end to end, from underwriting and economics to activation and growth.
Rappi · México
Christofer
Arce+
Product Manager working at the seam where strategy, technology, and customer behavior meet, turning it into financial products people actually use.
Christofer Arce · PM
Built & shipped at
Accenture
Oracle
Rappi
BBVA
Capital One
About
I go deep on hard problems, at the intersection of money, behavior, and technology.
From consulting and enterprise tech to fintech and banking, I've built a career at the intersection of financial products, customer behavior, and data-driven decision making.
Whether it's launching a credit card from scratch at a super-app, building the first debit-to-debit payment railway at a major bank, or working on cards and data at Capital One. I operate where strategy, technology, and the customer overlap, and translate that into real products.
I've shipped across four markets: Mexico, Brazil, Colombia, and the United States, navigating different regulatory environments, customer behaviors, and infrastructure realities in each one.
Track record
10+
Years across tech, consulting & product
Accenture → Capital One
4
Markets shipped & launched in
MX · BR · CO · US
2
Products built from zero to one
Cards & payment rails
3
Marathons — and counting
Depth over noise
Selected work
Products at the seam of
strategy & technology+
A few of the things I've taken from ambiguity to launch.
02
The first debit-to-debit payment rail
Built a major bank's first debit-to-debit payment railway — new money-movement infrastructure designed from the ground up.
BBVA · México
03
Cards & data, at scale
Working on cards and data — turning customer behavior and data-driven decisions into better financial products for millions.
Capital One · USA
04
Where it started: enterprise technology
Consulting and enterprise systems taught me how large, complex organizations actually ship technology — the foundation everything else is built on.
Accenture · Oracle
Four markets, one operator
Different rules.
Same depth.
Every market has its own regulation, customer behavior, and infrastructure reality. I've launched in all four, and learned to build for each on its own terms.
MX · +52
🇲🇽
México
Launched the first debit-to-debit payment rail — new money-movement infrastructure built from the ground up.
BBVA
BR · +55
🇧🇷
Brasil
Launched refinancing products for Rappi — Parcelamento — inside Latin America's most competitive fintech market.
Rappi
CO · +57
🇨🇴
Colombia
Launched personal loans, refinancing, and cuotas — credit-card instalment products across Rappicard and Rappi.
Rappi · Rappicard
US · +1
🇺🇸
United States
Cards & data — turning customer behavior and data-driven decisions into better financial products at scale.
Capital One
Beyond the roadmap
Runner, father, and fintech enthusiast.
Outside work, I train for marathons, three and counting, and find the same clarity in long runs that I find in the mountains: wide open space, patience, and depth over noise.
It's the same instinct I bring to product: go deep, stay patient, and keep moving toward something that matters.
3× Marathoner
Mountains
Father
Fintech
Let's talk
Building something
at the edge of fintech?
I'm always up for a conversation about hard product problems, payments, cards, and what it takes to ship across markets.