Union Bank of the Philippines
Raphael Miguel Villaluz possesses extensive experience in corporate solutions, sales, and account management across various sectors. Currently serving as Corporate Solutions Manager for Cash Management at UnionBank of the Philippines since October 2022, Raphael has previously held managerial roles in digital sales services and fintech business development. Prior positions include Key Accounts Manager at House of Branded Lifestyle Inc., Category Lead and Relationship Manager at Shopee, and Account Manager at PeraJet Lending Corporation, demonstrating a strong background in business development and account management. Raphael's early career at HSBC included roles as Business Development Officer, Senior Credit Administration Assistant, and Accounts Services Documentation Staff, with a focus on corporate acquisitions and customer account management. Raphael holds a Bachelor of Arts in Development Studies from De La Salle University, completed in December 2012, and a high school diploma from Ateneo de Manila University.
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Union Bank of the Philippines
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Union Bank of the Philippines (the Bank) offers a range of products and services, such as deposit and related services; corporate and middle market lending, and consumer finance loans, such as mortgage, auto loans and credit card; investment, treasury and capital market; trust and fund management; remittance, cash management and electronic banking, and preneed insurance. The Bank's segments include Consumer Banking, which handles individual customers' deposits and provides consumer type loans, such as automobiles and mortgage financing, credit card facilities and funds transfer facilities; Corporate and Commercial Banking, which handles loans and other credit facilities, and deposit and current accounts for corporate, institutional, small and medium enterprises, and middle market customers; Treasury, which manages the Bank's liquidity and funding requirements, and handling transactions, and Headquarter, which includes corporate management, support and administrative units.