Pilar User
@pilaruser1
I build and scale fintech, payments, and AI businesses from strategy through execution.
What I'm looking for
I've built and scaled payments and fintech businesses across Glovo, CaixaBank Payments, and my own startup, Brava Labs.
At Glovo, I owned global payments strategy and operations through international growth, improving authorization rates, automating reconciliation, managing PCI DSS Level 1 compliance, and expanding payment-provider and alternative-payment-method coverage. I later owned the P&L, budget, and company-level OKRs for a new fintech line, taking initiatives from opportunity identification to live products.
At CaixaBank Payments, I built an international card-issuing business from zero, designing operating processes, AML and financial-crime controls, outsourced back-office operations, and product backlogs with engineering.
Today, I'm building and testing AI-native products at Brava Labs, including Redacted.app, while supporting startups and scale-ups with payments strategy, operations, growth, product launches, and cross-functional execution.
Experience
Work history, roles, and key accomplishments
Built and tested product ideas from concept to launch.
• Lead the end-to-end process across product strategy, customer discovery, go-to-market, growth and everything else needed to run an early-stage startup.
• Experiment with multiple product ideas to understand customer appetite, validate demand, and identify the strongest opportunity.
• Currently launching Redacted.app. for Mac, iOS and Android
Independent Strategy & Operations Consultant | Payments & Fintech
May 2026 - Present (3 months)
Supporting startups and scale-ups on strategy, operations and growth initiatives, with a particular focus on payments, fintech and AI.
• Partner with founders and leadership teams to define strategy, bring clarity to complex challenges and turn priorities into actionable plans.
• Advise on payments strategy, business operations and cross-functional execution, helping teams make informed decisions
Full-time parenting
Career Break
Jul 2025 - Jul 2026 (1 year)
I took a career break to focus on my family while creating space to reflect on my next professional chapter.
During this time I:
• Explored the AI landscape through hands-on experimentation.
• Assessed multiple business ideas and product opportunities.
• Refined my product strategy through deliberate problem selection, prioritisation, and long-term product vision.
• Founded Brava Labs to built and
Owned the P&L, budget and company-level OKRs for Glovo's new fintech line, building the commercial and operational structure for a business that did not previously exist.
• Took fintech initiatives from opportunity identification to live product, building the business case and operating model behind each.
• Defined the operating model, governance and execution framework for the portfolio.
• Al
Owned global payments strategy and operations across every market Glovo operated in, through a period of sustained international growth.
• Reduced the cost of processing each transaction substantially while volume multiplied, through provider renegotiation, routing optimisation and restructuring the partnership mix.
• Raised authorization rates across the estate and built the dunning and retry
Built Glovo's payments function from the ground up to support international expansion.
• Hired and built the team, defined KPIs and operating processes, and set up the payment infrastructure.
• Designed customer support and fraud operations from scratch, then scoped and hired a dedicated fraud operations specialist within the first year, as the risk surface outgrew a generalist team.
• Rolled
Built CaixaBank's international card issuing business from zero inside a regulated payments entity — every operating process designed net-new rather than adapted from the domestic model.
• Delivered the international card programmes end to end, from concept through implementation into live operations.
• Designed and implemented the AML and financial crime control framework for the international
Senior Project Manager - Operations and International Partnerships
Jul 2016 - Sep 2016 (2 months)
- Project Manager for a wide portfolio of products and initiatives.
- Business departments support and link with schemes and brands (Visa, Redsys, etc.)
Operations for prepaid and card products inside a regulated e-money entity, across Spain, Portugal, Austria and Romania.
• Led payments projects across those markets, from definition through launch.
• Delivered compliance-driven projects and embedded the resulting requirements into operational process.
• Supervised back-office operations and external suppliers.
Built a strong foundation in business transformation, strategy and delivery, working with large organizations to solve complex operational and technology challenges.
Education
Degrees, certifications, and relevant coursework
Institut Français
Università degli Studi di Firenze
Master's Thesis, Master's Thesis
2009 - 2010
University of California, Berkeley
Organizational Behavior, Business/Commerce
2009 - 2009
Universitat Politècnica de Catalunya
Industrial Engineering, Industrial Engineering
2004 - 2009
Availability
Location
Authorized to work in
Job categories
Skills
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