Raphael Miguel Villaluz

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.