Carlos Ureña

Payments product economics and commercialization leader driving revenue growth, pricing strategy, and portfolio performance across global banks and multi-rail payment platforms.

Product Economics Pricing Strategy Portfolio Performance Commercialization Multi-Rail Payments GTM Strategy
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Overview

20 years driving product economics, pricing strategy, and commercialization across complex, regulated payment ecosystems. Proven track record owning $50M–$200M+ P&L portfolios and delivering revenue growth, margin expansion, and disciplined operating performance across multi-rail payment platforms.

Experience spans pricing architecture, portfolio performance strategy, and monetization design across large-scale core payment platforms supporting high-volume transaction flows.

I translate complex payment platforms into scalable, revenue-generating portfolios through structured pricing governance, portfolio prioritization, and disciplined go-to-market execution. My work bridges product, finance, sales, operations, and risk to ensure monetization strategy aligns with financial performance and long-term market positioning.

Measurable performance improvements delivered across high-volume payment portfolios through embedded monetization architecture, multi-rail optimization (ACH, RTP, Wires, FX), and enhanced portfolio-level visibility.

Career highlights

Director – Head of U.S. Cash Management | Product Economics & Commercialization
Mashreq Bank
Vice President – USD Payments & FX | Product Economics & Portfolio Strategy
HSBC
Assistant Vice President – Global Pricing Strategy & Analytics
Deutsche Bank
AVP – Senior Pricing Analyst | Treasury & Trade Solutions
Citi

Focus areas