Most consultancies tell you what needs to change. We stay in the room until it does. |
Eric has spent more than two decades helping financial institutions close the gap between strategic intent and execution reality. His work spans both the United States and Latin America — from growth-stage banks navigating their first regulatory maturity cycle to large cooperatives rebuilding their governance infrastructure under active supervisory pressure.
What shaped his approach to this work was not a textbook framework. It was repeated direct experience of the same failure mode: institutions that commission rigorous strategies, build credible plans, hire capable people — and then watch the organization absorb the plan without changing. The report gets filed. The next crisis arrives. The cycle repeats.
"The institutions that break the cycle share one characteristic: leadership willing to be challenged, not just advised. Eric's role — and SendoAgil's model — is built around that distinction. What makes that challenge credible is the depth of the capability behind it: two decades of business strategy and transformation consulting, combined with deep implementation experience in lean-agile frameworks and outcome-driven system design. These are not methodologies we recommend — they are disciplines we have built into our operating model, and they are what separates a genuine transformation partnership from an expensive advisory relationship."
"Transformation is a long game. It is not linear, and it is rarely clean. The distance between a well-designed strategy and an institution that has genuinely changed is almost always harder and longer than planned — and that distance is where most consulting relationships end. We structure every engagement around the full arc: holistic diagnosis of the whole institution, modular execution that produces visible results in 90-day cycles, and a partnership commitment that does not end at the handoff."

The sector where the stakes are highest and the tools are least developed.
SendoAgil's focus on cooperative financial institutions is not a positioning decision. It is a conviction. Cooperatives, Cajas, and Credit Unions across Latin America serve populations that commercial banks ignore — 40 million members across nearly 5,000 institutions managing $181 billion in assets. In Colombia, cooperatives are the sole financial intermediary in 41 municipalities. In Ecuador, they serve 54.7% of the adult population. These are not peripheral institutions. They are the financial system for a significant portion of Latin America's working and middle class.
They are also the institutions facing the most acute convergence of structural threats. Our 2026 research brief identifies eight: governance failure, digital disruption, regulatory convergence, asset quality deterioration, a talent crisis, generational membership loss, a strategic execution deficit, and — the one most boards have not yet named — an obsolete revenue model that cannot generate the capital needed to fund transformation. A sector that earns 80–85% of income from net interest margin, on a shrinking and deteriorating loan book, while facing fintech competition and Open Finance disintermediation, does not have a funding model that survives the next decade unchanged.
This is the sector where transformation consulting is most needed and least available at the level of rigor these institutions now require. That is the space SendoAgil occupies — not as an outside observer but as a partner who has worked alongside these institutions and understands the specific constraints that make generic consulting frameworks useless here.
SendoAgil's focus on cooperative financial institutions is not a positioning decision. It is a conviction. Cooperatives, Cajas, and Credit Unions across Latin America serve populations that commercial banks ignore — 40 million members across nearly 5,000 institutions managing $181 billion in assets. In Colombia, cooperatives are the sole financial intermediary in 41 municipalities. In Ecuador, they serve 54.7% of the adult population. These are not peripheral institutions. They are the financial system for a significant portion of Latin America's working and middle class.
They are also the institutions facing the most acute convergence of structural threats. Our 2026 research brief identifies eight: governance failure, digital disruption, regulatory convergence, asset quality deterioration, a talent crisis, generational membership loss, a strategic execution deficit, and — the one most boards have not yet named — an obsolete revenue model that cannot generate the capital needed to fund transformation. A sector that earns 80–85% of income from net interest margin, on a shrinking and deteriorating loan book, while facing fintech competition and Open Finance disintermediation, does not have a funding model that survives the next decade unchanged.
This is the sector where transformation consulting is most needed and least available at the level of rigor these institutions now require. That is the space SendoAgil occupies — not as an outside observer but as a partner who has worked alongside these institutions and understands the specific constraints that make generic consulting frameworks useless here.
"The sector doesn't need more reports about what's broken. Every CEO in this room already knows what's broken. What they need is someone willing to tell them which of their current decisions are making it worse — and what to do differently in the next 90 days." |
A diagnostic that confirms what you already believe is not a diagnostic — it is an expensive validation exercise. Every SendoAgil engagement starts with a structured assessment that is designed to surface uncomfortable findings, not comfortable ones. If your board has a governance gap that represents regulatory risk, we will name it directly — not soften it into a 'development opportunity.' If your revenue model cannot fund the transformation your institution needs, we will show you the math.
Most consultancies deliver the report and leave. The institution absorbs the findings, reorganizes slightly, and the underlying problem persists. Our engagement model is designed to transfer capability, not dependency. When we finish, your leadership team knows how to do what we did together — and can continue without us.
The complexity of cooperative financial governance — democratic board structures, member-first capital models, regulatory supervisors who are simultaneously tightening standards and acknowledging that most institutions cannot yet comply, and now the urgent question of how to redesign a revenue model without disrupting the member relationship — requires frameworks that are designed for this context. Not adapted from commercial banking. Not imported from US credit union practice without modification. Built specifically for the institutional reality of a Caja or Cooperativa de Ahorro y Crédito operating in Ecuador, Peru, Costa Rica, Colombia, or Mexico in 2026.
"Your institution cannot stop operating while it transforms. Regulatory deadlines, morosidad pressure, board dynamics, and daily member service do not pause for a transformation agenda. Our modular execution model is designed for that reality — sequenced workstreams that move fast enough to produce results, structured carefully enough to never lose sight of the institutional outcome we are working toward together. That is what a transformation partner does. A vendor delivers. We navigate."
"We are not here to validate what an institution already believes. We are here to identify what is blocking transformation, name it directly, and build the capability to move through it." |
SendoAgil operates across the United States, Mexico, Costa Rica, Panama, Peru, and Ecuador. We work through a curated network of sector-specific partners in each priority market — professionals who know the local regulatory environment, have existing relationships with institution leadership, and can engage a Consejo de Administración without a 90-day discovery phase.
That model is not a distribution strategy. It is a transformation requirement. The cooperative sector's challenges are deeply local — shaped by specific regulatory timelines, country-level morosidad dynamics, and the particular governance culture of each institution. Transformation cannot be navigated remotely by consultants who don't know the terrain. We build local fluency into every engagement by design.
The partner model is how we reach institutions. What we bring to them is a different question.
SendoAgil operates across the United States, Mexico, Costa Rica, Panama, Peru, and Ecuador. We work through a curated network of sector-specific partners in each priority market — professionals who know the local regulatory environment, have existing relationships with institution leadership, and can engage a Consejo de Administración without a 90-day discovery phase.
That model is not a distribution strategy. It is a transformation requirement. The cooperative sector's challenges are deeply local — shaped by specific regulatory timelines, country-level morosidad dynamics, and the particular governance culture of each institution. Transformation cannot be navigated remotely by consultants who don't know the terrain. We build local fluency into every engagement by design.
The partner model is how we reach institutions. What we bring to them is a different question.
Most institutions fail not because one thing went wrong — but because several things went wrong at once, and nobody was holding the connections between them. SendoAgil's five disciplines are built as an integrated system for exactly that reason. They are not service lines you select from. They are interdependent capabilities we deploy together, calibrated to your institution's specific failure points."
Governance without execution discipline produces elegant frameworks nobody follows. Digital investment without leadership capability produces technology your teams cannot leverage. Execution without governance produces speed in the wrong direction. We are built to hold all of it — and to be honest with you when the work at one level is undermining the progress at another.

Multi-year transformation agendas that boards actually monitor and management actually executes. OKR systems, performance frameworks, and change management built around your institutional context.

Director development, skills-matrix frameworks, and idoneity compliance that meets regulatory standards without compromising cooperative democratic principles.

Leadership pipelines, executive coaching, and compensation frameworks that allow you to compete for the professionals your institution needs to transform.


Help provide clarity to what needs to change to stay relevant, competitive, and connected to the current and next generation of members.





