CORPORATE
GOVERNANCE

Committees

Committees
Frequency
Board of Directors
Quarterly
Audit and Corporate Practices
Quarterly
Finance and Planning
Monthly
IT Committee
Quarterly
Communications and Control
Monthly
Credit
2x/week
Corporate Credit
Monthly
Portfolio Management
Weekly

CORPORATE BY-LAWS (Spanish Only)

YEAR
DOCUMENT
Spanish only
DOWNLOAD
2021
By-laws
2019
Amendment of the corporate by-laws
2015
By-laws
2012
By-laws

CODE OF ETHICS

YEAR
DOCUMENT
Spanish only
DOWNLOAD
2021
Code of Ethics
BOARD OF DIRECTORS
EXECUTIVE OFFICERS

BOARD OF DIRECTORS

CHAIRMAN
Chairman of the Board of Directors, Chairman of the Executive Committee and one of the Company’s main shareholders. Prior to the creation of UNIFIN in 1993, Mr. Lebois Mateos held several positions with car dealers, including as General Manager and member of the Board of Directors of Grupo Ford Satélite. He also served as President of the National Association of Nissan Car Dealers and a board member of Sistema de Crédito Automotriz, S.A. de C.V. (SICREA) and Arrendadora Nimex. He is the President of Fundación UNIFIN, A.C. and Chairman of the board of UNIFIN Credit, S.A. de C.V., UNIFIN Autos, S.A. de C.V., UNIFIN Agente de Seguros y Fianzas, S.A. de C.V. and Aralpa Capital, S.A. de C.V. and is a member of the Board of Directors of Maxcom Telecommunicaciones, S.A.B: de C.V., Organización Sahuayo, S.A. de C.V., Grupo Terraforma, Fracsa Alloys and Grupo INTERprotección. Mr. Lebois has a degree in Business Administration from Universidad Anáhuac and has completed several executive programs.
INDEPENDENT MEMBERS
Mr. Llamas has been a member of our Board of Directors since 2007. Currently he is the General Manager of Verax Wealth Management. He was Co-Head of Asset and Wealth Management for Latin America at Deutsche Bank New York and a member of the Executive Committee of the Americas in the same institution. Previously, he was a representative of Deutsche Bank AG Mexico. He was also a founding partner of Fortum in Mexico City. Mr. Llamas has a degree and MBA in Business Administration and a Diploma in Economics from Universidad Anáhuac.
Mr. Fernández has been a member of our Board of Directors since 2012. He has been a partner at the tax and accounting firm Chevez Ruiz Zamarripa y Cía, S.C. since 1989 and a member of the Colegio de Contadores Públicos de México, A.C., of the Instituto Mexicano de Contadores Públicos, A.C., and the Instituto Mexicano de Ejecutivos de Finanzas. He has given conferences regarding tax matters in national forums, and has written several articles on taxation and accounting. He participates as Board Member of the audit committees of several companies, including Grupo Televisa, S.A.B., Controladora Vuela Compañía de Aviación, S.A.B. de C.V, Grupo Financiero Banamex, S.A. de C.V., and Arca Continental, S.A.B. de C.V.
Mr. Saba is the CEO of Grupo Sahuayo, leading company in Mexico in the distribution of groceries and complementary products, since 2015. Prior to joining Grupo Sahuayo, Mr. Saba was CEO of Grupo Casa Saba. He has held various positions as advisor to the National Cancer Institute, the Mexican Red Cross, the Mexican Association of Standards for Electronic Commerce and the International Federation of Pharmaceutical Wholesalers.
Mr. Juan Ignacio Casanueva Pérez was appointed as a member of the Company’s Board of Directors effective June 5th, 2020. He is currently the Chairman of the Board of Directors of Interprotección Agente de Seguros y de Fianzas. Additionally, he is a member of the Board of Directors of Grupo AXO S.A. de C.V., Gentera S.A.B. de C.V., Aterna Agente de Seguros y de Fianzas, Casa Dragones, BIVA Bolsa de Valores and Financiera Compartamos Perú.
Formerly CEO of the Company and member of its Board of Directors since 2001. Prior to joining UNIFIN, Mr. Barroso held several positions at Arrendadora Somex, S.A. de C.V., including Executive Director of Management and New Products, as well as several executive positions at Multivalores Arrendadora, S.A. de C.V.; where he was a member of the Board of Directors until 2001. He was also a member of the Board of Directors of the Mexican Financial Leasing Companies Association (Asociación Mexicana de Arrendadoras Financieras, A.C.) and Multicapitales. He has a degree in Business Administration from Universidad Anáhuac and a diploma in Finance from the Instituto Mexicano de Valores
González Sordo is founding partner of Fimecap, S.A. de C.V. The company was founded in 2009 and offers investment banking financial services. Along his career trajectory he has served as board and committee member for various companies including Bank of China México, Altos Hornos de México, S.A.B. de C.V., Grupo Financiero Ve Por Más, S.A. de C.V. y Banco Ve Por Más, S.A., Institución de Banca Múltiple and Grupo Financiero Ve Por Más. He was CEO at Lehman Brothers México; VP at Santander Investments Inc.; VP and board member at Inverméxico Casa de Bolsa, s.a. de C.V. and VP at Casa de Bolsa Banamex. González Sordo holds a Bachelor’s degree in Business Administration by the Universidad Anáhuac and an MBA by Texas University. He was also granted the AD-2 certification by the Instituto Panamericano de Alta Dirección.
RELATED MEMBERS
Mr. Balli is an Executive Member of the Board of Directors and Chief of Assets and Special Projects. From 2005 to 2018, he served as Chief Operations Officer. Prior to joining Unifin, he held several positions in the administrative and sales areas of Bryco Control de Plagas, S.A. de C.V. He acted as the Risk Project Valuation Manager at Home Care and as Derivatives Deputy Director and Promoter of Debt Securities at Enlace Int. S.A. de C.V. and Prebon Yamane Inc. Also, he collaborated with the Fairmont Hotels as Project Manager for the development of several touristic projects. Mr. Ballí holds a bachelor’s degree in Economics from the Instituto Tecnológico Autónomo de México (ITAM).
Mr. Camacho is our Chief Executive Officer. He has more than 20 years of experience in different companies such as Kimberly Clark de México S.A.B. de C.V., Fermaca Global and Bank of Mexico. He holds a degree in Economics and a Master’s in Business Administration with a specialization in Finance from the Instituto Tecnológico Autónomo de México (ITAM), as well as a degree in Global Management Program from Harvard Business School. He is certified by the Stanford Graduate School of Business Emerging CFO: Strategic Financial Leadership Program. Mr. Camacho is part of the UNIFIN Committee and the UNIFIN Insurance Committee.
SECRETARY AND SECRETARY PRO TEM (NON BOARD MEMBERS)
Jimena González de Cossío was appointed as Secretary not member of the Board of Directors of UNIFIN in 2020. She is a partner in the legal practice of Mancera, S.C (member company of Ernst & Young). Prior to joining Mancera, S.C., Jimena was a partner in Forastieri Abogados, S.C. Ms. González de Cossío has a law degree from the Universidad Iberoamericana, she has a Master's Degree in Banking and Financial Law (LL.M.) from Boston University. She has completed programs and diplomas in financial markets and corporate governance at Harvard University, Southern Methodist University, Kellogg Business School and at the Instituto Tecnológico de Estudios Superiores de Monterrey.

EXECUTIVE OFFICERS

Chief Executive Officer
Mr. Camacho is our Chief Executive Officer. He has more than 20 years of experience in various companies such as Kimberly Clark de México S.A.B. de C.V., Fermaca Global and Bank of Mexico. He holds a degree in Economics and a Master’s in Business Administration with a specialization in Finance and a Master’s in Accounting, from the Instituto Tecnológico Autonomo de Mexico (ITAM). Mr. Camacho is a graduate from the Global Management Program and the Advanced Management Program, both from Harvard Business School. He is certified by the Stanford Graduate School of Business Emerging CFO: Strategic Financial Leadership Program and the Global Banking Program from Columbia Business School. Mr. Camacho forms part of the Blumarine Committee and UNIFIN Insurance Committee.
Chief Human Resources Officer
Has 40 years of experience in Human Resources, 15 of them specifically for companies in the financial industry like GBM and Grupo Financiero Santander. He has an undergraduate degree in Business Administration from the Instituto Tecnológico Autónomo de México (ITAM) and a diploma in Business Law from the same university.
Chief Operating Officer
More than 30 years of experience in directing, developing and implementing new businesses, as well as in internal and administrative control processes. Founder and Chief Financial Officer of Grupo Barca, S.A. de C.V., where he participated actively in developing various real estate projects. He has an undergraduate degree in Economics from the Instituto Tecnológico Autónomo de México (ITAM).
Chief Leasing Officer
Mr. Díaz has more than 15 years of experience in structured finance, including 12 years at Banco Nacional de México, S.A., member of Grupo Financiero Citibanamex. He served as CEO of Sinia Renovables, a specialized fund in renewable energies with investments in Mexico and Latin America. He holds an Industrial Engineering degree from Universidad Anáhuac del Norte and an MBA from the same institution in addition to having various courses and diplomas in finance.
Chief Credit Officer
Mr. Castillo has more than 45 years of experience in banking and financial matters. Mr. Castillo has worked at the first level in institutions such as Banco Interacciones S.A., and was general coordinator in the liquidation of Banca Quadrum, S.A., Banco Santander, S.A., among others. He has extensive experience as an Independent Financial Advisor and has given lectures on credit risks matters. He is a graduate of the School of Business Administration of the Universidad Iberoamericana and completed postgraduate studies at IPADE in Senior Management. Since 2000 he serves as a member of the Executive Commission and advisor of the Research and Superior Culture, AC., of the Universidad Iberoamericana. He was also a member of the University Senate of the same college and member of the Board of Bone Marrow Pro Transplant Association Francisco Casares Cortina, A.C.
Chief Insurance Officer
Mr. Castillo is our Chief Insurance Officer. He has more than 30 years of experience. Prior to joining Unifin in 2014, he held several executive positions from 1983 to 1991, including . He was a partner at Impulsora Dinámica de Empresas where he had an active role in the privatization of the Mexican banks. In 1992 he was a member of the group acquiring Bursamex Casa de Bolsa and he is a founding member of Grupo Financiero del Sureste, where he served as member of the Board and executive officer until 1994. He was also a founding member of Castillo Consultores e Interasesores, both firms specialized in estate planning. Mr. Castillo holds a degree in Business Administration from the Universidad Anáhuac.
General Counsel
Chief Financial Officer
Mr. Cancino has more than 30 years of financial experience in various industries, including telecommunications, finance, infrastructure and consumer goods. He has extensive experience in financial planning, accounting and taxes and has been leader of various ERP implementation projects. For 14 years he served as Corporate Director of Administration and Finance for companies like CMR, S.A.B. de C.V. and Grupo Mexicano de Desarrollo, S.A.B. He has a degree in Public Accountancy from the Escuela Bancaria y Comercial, with a specialization in Finance and Auditing from the same institution.

CORPORATE BEST PRACTICES

YEAR
DOCUMENT
DOWNLOAD
2021
Best Corporate Practices
2020
Best Corporate Practices
2019
Corporate Best Practices
2018
Corporate Best Practices
2017
Corporate Best Practices
2016
Corporate Best Practices
2015
Corporate Best Practices