Management team

Mr. Messmacher is a distinguished executive with over 21 years of experience in the financial sector in Mexico, Argentina, and Brazil; having worked with renowned institutions such as HSBC am McKinsey & Co. He holds a Degree in Electric Mechanic Engineering by the Instituto Tecnológico y de Estudios Superiores de Monterrey (ITESM-CEM) and a master’s of Science in Operations Research by the Massachusetts Institute of Technology (MIT).

José María has more than 33 years of experience. For the last 3 years, the CEO has led all the AFI's business strategies and plans, reviewing them with the Board of Directors to establish related goals, plans and policies. The CEO, along with the team of directors, drive the company towards its main goals and objectives.

Rogelio Flores has over 27 years of experience in the microfinance sector, of which 14 years spent in Financiera Independencia and/or any of its subsidiaries; being responsible for the Expansion and Infrastructure of the companies and having in charge more than 330 branches. Mr. Flores has a degree in Finance at Universidad Tecnológica de México, and a master's degree in Financial Administration from the same institution.

Mr. Orocio has 21 years of experience in Financiera Independencia and/or any of its subsidiaries, in the areas of controllership and finance. Adrián Orocio has a bachelor's degree in Accounting and a master's degree in Economics and Business from Anáhuac México Norte.

Ms. Garza has more than 20 years of professional experience. During her career, she has held several positions in companies such as Gamesa/Pepsico and Grupo Salinas, where she served as Human Resources Director during recent years. She holds a bachelor’s degree in IT Systems and Administration from the ITESM, and a master’s degree in Administration from the UDEM.

Carlos Ramírez has a professional experience of more than 25 years in the financial sector, both in national and international companies such as HSBC and Banco Azteca. He has distinguished himself by his focus on business profitability, increasing credit origination and collection, developing high performance teams with a strong outcome.

Carlos is currently responsible for the branch operations at Financiera Independencia and Apoyo Económico Familiar. Its main commitment is credit origination and collection with a focus on business profitability.

Carlos has a degree in Business Administration at the Instituto Tecnológico de Estudios Superiores de Monterrey (ITESM). He also has an MBA at Instituto Panamericano de Alta Dirección de Empresas (IPADE) and diplomas in International Business and Socio-Cultural Values in Madrid, Spain.

Francisco Jose Vazquez Vazquez has over 16 years of experience in the financial sector and compliance. He holds a Law Degree from the Universidad Iberoamericana, a Masters in Corporate Law from the Universidad Anahuac and a Certification from the CNBV in anti-money laundering and terrorist financing.

Juan Garcia has over 28 years of experience in the microfinance sector, of which 12 years spent in Financiera Independencia and/or any of its subsidiaries. Juan has a bachelor’s degree in Public Accounting by the Instituto Politécnico Nacional, a master’s degree in Business Administration by the Instituto Politécnico Nacional, and a master’s degree on High Management (MEDEX) by the Instituto Panamericano de Alta Dirección de Empresas (IPADE).

Juan Escamilla has more than 15 years of experience in the design and development of systems that allow transforming the needs of customers in technological solutions. He has worked both inside and outside our country with multidisciplinary teams from Europe, Asia and the United States. His most recent responsibility was the Technical Direction at IUSA, where among other achievements, he designed and implemented more than 2 million devices and applications for the Mexican Government. Juan is a Systems Engineer graduated from the Monterrey Institute of Technology and Higher Education (ITESM, by its initials in Spanish) and he has more than 50 courses and certifications in related topics such as data science for executives, Fintech Law, computer architecture, programming, etc.