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A San Juan based, diversified private investment and advisory firm with a primary focus on The Vitamin Shoppe Puerto Rico and Consumer Finance in the Caribbean and Latin America.

About


Consumer Finance Advisory Services:

  • The SBG team has a combined 50+ years of experience managing consumer finance businesses in the Caribbean and Central America.

Retail Business Owners/Operators:

  • SBG acquired all of the assets of The Vitamin Shoppe in Puerto Rico in July of 2023.

The Vitamin Shoppe Puerto Rico

The Vitamin Shoppe®, a subsidiary of Franchise Group, Inc., is a global, omnichannel specialty retailer and wellness lifestyle Company with the mission of providing customers with the most trusted products, guidance, and services to support them on their journeys of lifelong wellness. Based in Secaucus, New Jersey, the Company offers a comprehensive assortment of nutritional solutions, including vitamins, minerals, sports nutrition, specialty supplements, herbs, homeopathic remedies, and green living products. In addition to carrying products from approximately 700 national brands, The Vitamin Shoppe offers products from its proprietary brands within its owned and wholesale channels.  In the U.S., the Company conducts business through approximately 700 company-operated and franchise retail stores. The Vitamin Shoppe serves customers in select Asia, South America, and Central America markets through local omnichannel partners.



vitamin shoppe

Consumer Finance Advisory Services

Our firm offers consumer finance advisory services mostly to branch-based unsecured personal loan businesses/portfolios in the Caribbean and Central America. Areas of particular expertise: Aruba, Curacao, Trinidad & Tobago, Puerto Rico, and Panama.

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General Business Strategy
M&A
Business process and creating efficiencies
Asset Quality
Collection Policies
Centralized Collections
Recoveries
Branch profitability
Customer acquisition
OPEX analysis
Incentive Programs

Operational Structure
Marketing Investments
Social Media
Client retention
Branch metrics
Online lending
Credit Policies and Parameters
Credit Risk
Portfolio Yields
Pricing
Allowance for Loan Losses

Team


Oriol Segarra

Managing Director and Co-Founder

  • Segarra has over 25 years of experience managing Consumer Finance companies in the Caribbean and Latin America. He has managed businesses with over $1 Billion in Assets. His companies have been owned by US Commercial Banks and by Private Equity firms.
    • 1996 – 1998 General Manager AVCO Financial Services
    • 1999 – 2004 President Island Finance
    • 2005 – 2006 President Latin America Consumer Finance for Wells Fargo Financial
    • 2006 – 2023 Board Member, President and CEO for CFG Partners
      • Operations/Branches in Trinidad, Aruba, Bonaire, Curacao, Puerto Rico and Panama

Ellis A Febres-Rodríguez

Chief Financial Officer SBG

Owner KM Group LLC

Is a Certified Public Accountant. A graduate from Louisiana State University with an Accounting degree and an MBA in Global Management from University of Phoenix.  With over 25 years of experience in international companies, such as Wells Fargo Financial, CitiFinancial, Scotiabank, and Oriental Bank he has directed the accounting and financial operations, in addition to other regulatory and administrative aspects.  In these functions he ran multiple projects and initiatives to achieve economies of scale, increase productivity, and strengthen reporting for better information visibility.

Ellis, who is also co-founded and co-owner of KM Group LLC, has been involved in developing new businesses, ensuring they are profitable and sustainable.


David Segarra

Co-Founder, Vice President Franchise Operations and Business Development

  • Graduate of the Co-Op Experiential Learning, Business Administration Program at the D’Amore-McKim School of Business at Northeastern University, Boston, Massachusetts.
  • Graduate of the New York Film Academy and the famed Conservatory Program at the Lee Strasburg Theater and Film Institute in New York.
  • Retail Experience at upscale clothing and accessory retailer owned by multinational corporation.
  • Currently oversees management and operations at The Vitamin Shoppe Puerto Rico.

José Gonzalez

Senior Advisor SBG

  • Mr. Gonzalez has over 35 years of experience occupying Multi-National Executive Level positions in LATAM Consumer Finance.
      • Most recently he held the position of Executive Vice President, Branch Operations and Collections at CFG Partners.
  • Mr. Gonzalez was also Chief Operating Officer at Caribbean Financial Group (under Wells Fargo Financial, Bear Sterns Merchant Bank and under Irving Place Capital).
      • His experience includes Consumer Finance Operations executive oversight in multiple countries:
        • Corporación El Sol - Panama.
        • Island Finance – Puerto Rico, Trinidad & Tobago, Aruba, Curacao, Bonaire, and St. Maarten.

Contact


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