Carol Jeanina Valencia Ponce

Questioner
DISC Type : c

Ejecutivo de Normalizacion y Cobranza at Banco Consorcio

Santiago, Santiago Metropolitan Region, Chile

Overview

Carol is a Financial Engineer with over 12 years of experience in Chiles banking and financial retail sectors. Her expertise spans debt normalization, collections, financial operations, and process optimization at institutions like Banco Consorcio, Banco Ripley, and Cencosud Scotiabank. She is a graduate of the Instituto de Banca y Finanzas Guillermo Subercaseaux.

Personality Overview

Cautious & Analytical

Price-Sensitive

Systematic

They generally do not appreciate an overfriendly approach and prefer to stay to-the-point.  They prefer to fully evaluate every situation. While they don't hesitate to ask questions, they are generally risk-averse and tend to be late adopters.

Topics They Care About

Debt Management
Her current role focuses on extrajudicial collection, payment agreements, and renegotiating financial products for clients.
Financial Operations
Has extensive experience in senior analyst and supervisor roles managing account adjustments, prepayments, and channel processes at major Chilean banks.
Process Improvement
In past roles, she has been responsible for creating process manuals, reorganizing procedures for fraud clarification, and optimizing operational resources.

Media Appearances

Carol has no verified media appearances

Work History

4-2025
Ejecutivo de Normalizacion y Cobranza at Banco Consorcio
10-2023 - 2-2024
Analista Senior Operaciones Mantenciones at Banco Ripley Chile
4-2021 - 4-2023
Coordinador de aclaraciones at Cencosud Scotiabank
5-2020 - 4-2021
Supervisor Centro Atención Especializada at Cencosud Scotiabank
4-2015 - 5-2020
Supervisor Procesos de Canales Área Operaciones at Cencosud Scotiabank

Education

Carol has no verified education history

More Information

Social Presence :

Prographics :

Exp : 12 Location : Santiago, Santiago Metropolitan Region, Chile Job Level : N/A Designation : Ejecutivo de Normalizacion y Cobranza at Banco Consorcio
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Insights For Selling To Carol Jeanina

During A Call Or A Meeting

DO's

  • Share as much information as possible regarding your product
  • Keep some extra margin in hand as they will likely negotiate the pricing
  • Emphasize on objective proof of ROI, help them do a thorough evaluation

DONT's

  • Don’t overhype the product/pitch, keep it measured
  • Don’t try to be too friendly or informal with them
  • Avoid rushing them, be polite and patient

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Carol Jeanina is

  • Confidence that the product provides ROI, effective pricing and process adherence matter the most to them.

  • Will you ever get a clear answer from Carol Jeanina

  • It doesn’t come naturally to them but they can say no if they are not convinced.

Insights For Deal Planning

    How fast (or slow) will Carol Jeanina move?

  • They can move at a reasonable pace while making their decisions if they have the necessary information.

  • Can Carol Jeanina take some risk or not?

  • If they believe that they have analyzed the situation well, they can take a little risk.

You And Carol Jeanina

Personality Compatibility


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