Carlos Flores Ramirez - Program Director

Q: Where is Carlos based?

Carlos is based in Madrid, Spain .

Q: What languages does Carlos speak?

Carlos speaks the following languages: English (Advanced), Spanish (Advanced), French (Advanced), Italian (Intermediate), Dutch (Elementary), Portuguese (Elementary) .

Q: How many years of experience does Carlos have?

Carlos has at least 29 years of experience. During this time, Carlos has worked in at least 12 different roles and for 10 different companies . The average length of individual experience is 2 years and 5 months . Note that Carlos may not have shared all experience and actually has more experience.

Q: What is Carlos's latest experience?

Carlos's most recent position is Program Director at Undisclosed USA Software Company .

Q: What companies has Carlos worked for in recent years?

In recent years, Carlos has worked for Undisclosed USA Software Company , Cambridge Management Consulting , and Hexaware Technologies .

Q: Which industries is Carlos most experienced in?

Carlos is most experienced in industries like Insurance , Information Technology , and Banking and Finance . Carlos also has some experience in Aerospace and Defense , Automotive , and Manufacturing .

Q: Which business areas is Carlos most experienced in?

Carlos is most experienced in business areas like Information Technology , Project Management , and Strategy . Carlos also has some experience in Business Intelligence , Sales , and Operations .

Q: Which industries has Carlos worked in recently?

Carlos has recently worked in industries like Insurance and Professional Services .

Q: Which business areas has Carlos worked in recently?

Carlos has recently worked in business areas like Project Management , Information Technology , and Sales .

Recommended expert

Madrid, Spain

Experience

Aug 2025 - Feb 2026

7 months

Program Director

Undisclosed USA Software Company

Leading delivery of complex international Claims program in a large EU Insurance company

Mar 2025 - Present

1 year 1 month

Partner

Cambridge Management Consulting

Defined Program Assurance offering
Defined AI powered Cost Transformation projects

Jan 2019 - Dec 2024

6 years

Insurance Solutions Lead, Client Partner

Hexaware Technologies

Defined strategy and led execution in global insurance account generating 13M EUR revenue and 7 new clients
Managed large portfolio of IT services and consulting engagements with international clients as Consulting/Client Partner and Program Leader: AXA (Belgium, France, Mexico, UK), AirLiquide (Spain), Tryg, Imerys and Credit Mutuel (France, Germany), obtaining very high customer satisfaction scores in independent surveys
Co-led six teams to define and deliver solutions and measurable operational and financial savings to clients

Mar 2018 - Dec 2019

1 year 10 months

Madrid, Spain

Consulting Director

Cavendish Management Resources

Evaluated more than 50 requests for business funding
Provided advice, coaching and consulting services to companies, launching improvement or transformation initiatives and supporting them to evolve their operating plans with a strong focus on technology

Sep 2016 - Feb 2018

1 year 6 months

Madrid, Spain

Director & Client Partner Digital Services

Epam Systems

Turned around and delivered as targeted a large (7M EUR+, 80+ people) state-of-the-art complex program: digital marketplace for core business operations of an international online retail leader (Privalia, now part of Vente Privee) with global distributed development across three countries using scalable agile practices
Expanded services footprint by implementing DevOps and continuous deployment, growing the team by 20%

Nov 2011 - May 2016

4 years 7 months

Madrid, Spain

Vice-President Country Manager Spain

NIIT Technologies

Owned business strategy and led its implementation, achieving 15% growth during crisis years (2011-2014) with new logos every year, additional service lines and renewed yearly business
Held full responsibility for business and people in Spain (approx. 9M EUR revenue, 12 clients, three directors, three account managers, 140 staff)
Built European Digital Competency Centre (15-40 people) focusing on Agile Development, DevOps, Big Data and Advanced Analytics, SAP, Cloud, Mobile and Web technologies, delivering digital services to clients in the UK, France and Switzerland
Delivered IT strategy, IT consulting, digital transformation, compliance, application, infrastructure and customer services programs and projects to Iberia (IAG) with more than 80 people in BI, analytics, CRM, web, mobile and revenue management
Led delivery of consulting and IT services to Banco Santander (new logo, 20 people in two years), BAML (local IT programs), Pullmantur (BI), Banco Inversis (core platform portfolio), Solimat (web .NET core platform) and GasNatural (Salesforce implementation consultancy)

Mar 2011 - Oct 2011

8 months

Brussels, Belgium

Vice-President Belgium

NIIT Technologies

Responsible for running IT services in Belgium serving the largest Flemish bank (KBC) and renewing main contracts
Participated in the definition and execution of a 6M EUR acquisition of a 120-person IT services company in Spain

Sep 2009 - Feb 2011

1 year 6 months

Brussels, Belgium

Director/Owner

CFR Consulting

Delivered IT DWH sourcing strategy for AG Insurance and led implementation of the chosen solution, selecting and hiring the BAU team in less than six months, enabling full compliance with Solvency II and resolving a two-year delay
Delivered Belgium and Spain market entry strategies and growth plans for two leading global IT services companies

Oct 2008 - Aug 2009

11 months

Sabbatical: Research on “IT Outsourcing & offshoring success in Europe”

Researched why IT outsourcing and IT offshoring are different in Europe and what makes them successful

Jan 2007 - Sep 2008

1 year 9 months

Cologne, Germany

Director Group Development & IT (Global CIO)

AXA Art

Managed business processes and IT reporting to the board for a 150M EUR business with approximately 200 employees across 10 international locations
Delivered significant operational productivity improvements by redefining business processes, implementing global ‘one company’ concept and automating policy renewal using RPA scripts
Resolved a three-year program delay by deploying web-based digital policy administration and ERP in one year across five countries
Achieved 30% cost reduction in application management by implementing a global IT delivery model and increased infrastructure availability to 99.5% at the same cost

Jun 2001 - Dec 2006

5 years 7 months

Brussels, Belgium

IT Director

AXA Belgium

Led a 115+ team to deliver services for bank and insurance operations including Life Retail, HR and Finance (SAP), AML, BI and DWH
Delivered a digital transformation program for life insurance business with web front-end for agents and brokers, enterprise customer information file, reengineering of two legacy systems and enterprise DWH, reducing operational errors by 90%
Led transformation initiatives for the IT division (500+ staff, 60 managers, 10 directors, 150M EUR/year)
Achieved 7.5M EUR yearly savings and delivered over 25 successful projects by creating a 150+ person ITO/BPO offshore delivery capability using multi-sourcing and risk mitigation
Achieved 5M EUR yearly savings reducing non-discretionary IT expenses using Six Sigma
Implemented strategic planning, portfolio, program and project management (PMI, TOGAF, CMMI, COBIT, ITIL) and compliance frameworks (SOX, AML, Basel II, Patriot Act, BCP/DR)
Enhanced architecture department capability (30 staff) with new mission, training and coaching

Feb 1997 - May 2001

4 years 4 months

Brussels, Belgium

Senior Manager

EDS EMEA

Led three large IT strategy and digital transformation consulting assignments for Toyota Marketing Europe, AXA Belgium and Daikin Europe, all of which led clients to engage EDS for implementation
Led a large internal program to create an EMEA ITO/BPO delivery organization with 16,000 developers and 8,000 service delivery and customer service staff across EMEA using consolidated competency centres and industry standard processes (CMM, ITIL)
As EMEA Sales Support Manager for large ITO/BPO proposals (250M USD+), led development of technical solutions, full-range cost models and detailed transition plans for outsourcing, ERP implementations, application support, infrastructure management, call centres and workstation roll-outs
Managed up to 60 people across EMEA and played key roles in projects for Banco di Roma, Hungarian Telecom, Rolls-Royce Aerospace and UK Inland Revenue

Industry Experience

See where this freelancer has spent most of their professional time.

Experienced in Insurance, Information Technology, Banking and Finance, Aerospace and Defense, Automotive, and Manufacturing.

Insurance

Information Technology

Banking and Finance

Aerospace and Defense

Automotive

Manufacturing

Business Area Experience

See which departments and functions this freelancer has contributed to most.

Experienced in Information Technology, Project Management, Strategy, Business Intelligence, Sales, and Operations.

Information Technology

Project Management

Strategy

Business Intelligence

Sales

Operations

Summary

Seasoned IT Services and Technology Management professional with solid international experience leading people and organizations accomplish things beyond their expectations. Proven ability to: lead change & digital transformation, manage the full range of IT services provision, embrace customer centricity and consistently deliver tangible financial & operational results in international complex environments where technology plays a key role.

Large and complex technology & business programs - Managing IT organizations – Building Program success Managing large clients, multidisciplinary and distributed international teams, consultative IT services. Client & Vendor Management – Global IT sourcing - Budget and P&L (>150 MEUR) Digital &IT Consulting & Services – Insurance – Airlines/Travel - Retail Banking – Retail e-commerce

Languages

English

Advanced

Spanish

Advanced

French

Advanced

Italian

Intermediate

Dutch

Elementary

...and 1 more

Education

Catholic University of Peru

B.Sc. coursework completed · Economics · Peru

Catholic University of Louvain (KUL)

MBA, IT Management & Intl Business · Business Administration · Belgium

Statistics

Experience

Total positions 12

Experience in Insurance 19.5 y

Avg length 2 y 5 m

Longest experience 5 y 11 m

Global Experience

Countries worked in 3 (Belgium, Spain, Germany)

Primary country Belgium

Expertise

Recent roles Program Director, Partner, Insurance Solutions Lead, Client Partner

Main industries Insurance, Information Technology, Banking and Finance

Main business areas Information Technology, Project Management, Strategy

Qualifications

Highest degree Master

Profile

Created

March 2026

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Frequently asked questions

Do you have questions? Here you can find further information.

Where is Carlos based?

Carlos is based in Madrid, Spain.

What languages does Carlos speak?

Carlos speaks the following languages: English (Advanced), Spanish (Advanced), French (Advanced), Italian (Intermediate), Dutch (Elementary), Portuguese (Elementary).

How many years of experience does Carlos have?

Carlos has at least 29 years of experience. During this time, Carlos has worked in at least 12 different roles and for 10 different companies. The average length of individual experience is 2 years and 5 months. Note that Carlos may not have shared all experience and actually has more experience.

What roles would Carlos be best suited for?

Based on recent experience, Carlos would be well-suited for roles such as: Program Director, Partner, Insurance Solutions Lead, Client Partner.

What is Carlos's latest experience?

Carlos's most recent position is Program Director at Undisclosed USA Software Company.

What companies has Carlos worked for in recent years?

In recent years, Carlos has worked for Undisclosed USA Software Company, Cambridge Management Consulting, and Hexaware Technologies.

Which industries is Carlos most experienced in?

Carlos is most experienced in industries like Insurance, Information Technology, and Banking and Finance. Carlos also has some experience in Aerospace and Defense, Automotive, and Manufacturing.

Which business areas is Carlos most experienced in?

Carlos is most experienced in business areas like Information Technology, Project Management, and Strategy. Carlos also has some experience in Business Intelligence, Sales, and Operations.

Which industries has Carlos worked in recently?

Carlos has recently worked in industries like Insurance and Professional Services.

Which business areas has Carlos worked in recently?

Carlos has recently worked in business areas like Project Management, Information Technology, and Sales.

What is Carlos's education?

Carlos holds a Master in Business Administration from Catholic University of Louvain (KUL) and a Bachelor in Economics from Catholic University of Peru.

What is the availability of Carlos?

Carlos is immediately available for suitable projects.

What is the rate of Carlos?

Carlos's rate depends on the specific project requirements. Please use the Meet button on the profile to schedule a meeting and discuss the details.