Federico Volonteri

— Owned Defacto Direct Lending and Connect product suits

— Redesigned the self-serve onboarding flow from scratch, improving conversion by 20% and contributing to a doubling of the customer base within 6 months alongside go-to-market efforts

— Rebuilt the core direct lending application end-to-end, halving support ticket volume and increasing customer satisfaction by 30 points while supporting a doubling of the customer base. Increased activation by 20%

— Structured the product org: hired the design function, organized engineering (~20 engineers) into squads, and co-owned the company-wide roadmap with the founders

— Shipped Pulse, Defacto's first product beyond lending — a company scoring tool based on public data, delivered to 20 beta customers to help them assess counterparty risk before engaging with clients or suppliers

— Led the Card Management squad (~5 engineers): designed and shipped the full suite of card creation, management, and spend control API endpoints, webhooks, and developer documentation — the foundational layer the entire issuing product is built on

— Led a cross-functional build vs. buy analysis on the risk engine, coordinating across product, engineering, legal, and compliance to evaluate internal adaptation vs. external partnership. Recommended and secured approval for a third-party provider

— Led the Experience team (5–6 engineers, 1 designer): shipped the client-facing issuing dashboard, enabling fintech clients to manage their card programs, and built internal tooling for BIN management and client configuration used by Checkout.com ops

— Standardized product discovery practices and product review processes across the issuing teams

— Led the full migration of Qonto's 45,000 active customers from banking partner Treezor to an in-house banking infrastructure — a 12-months program spanning product, engineering, ops, design, and growth

— Built fine-grained customer segmentation (legal status, revenue, balance, usage patterns) to personalize every touchpoint — in-app flows, communication timing, call scripts, and offline support — driving 98% of customers to transact on the new platform post-migration, despite the churn risk of requiring full IBAN, card, and banking setup changes

— Led a dedicated ops team providing phone and email support throughout the migration

— Worked directly with the CEO and C-suite on reporting, risk management, and strategic decisions throughout the program