Savings.Club is the United States implementation of the global purchasing-consortium model: known as consórcio in Brazil, consorcio across Latin America, Bausparkasse in Germany, tanda in Mexico, chit fund in India, and 會 (hui) in the Chinese diaspora. Academically classified as a Rotating Savings and Credit Association (ROSCA). A flat-fee alternative to bank loans for vehicles, commercial real estate, robots, aircraft, and equipment.

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The team behind Savings.Club

Built by people who understand both sides of the problem.

We combined expertise in artificial intelligence, the American automotive industry, organizational psychology, and the world's most proven collective-financing system to build something that did not exist in the United States — until now.

4

Executive co-founders uniting complementary expertise

14

Board advisors spanning law, fintech, and venture capital

2,500+

Vehicles delivered through traditional dealership channels

20+

Years of AI-engineering experience on the platform team

Executive Leadership

Four disciplines. One mission.

JP Galvao

Co-Founder & CEO

Strategy & Operations

Four-time startup founder with two successful exits. JP bridges the gap between the American automotive industry and financial innovation. A former partner of three U.S. car dealerships, he has personally put more than 2,500 vehicles on the road in the last decade. His firsthand understanding of dealership economics and consumer-finance friction shaped the Savings.Club model from the ground up.

Credentials

  • MBA — Fundação Getúlio Vargas (FGV)
  • B.Sc. Psychology — Universidade Federal do Rio Grande do Norte (UFRN)
  • Former partner, U.S. car dealerships in NJ, FL, and CA
  • 2,500+ vehicles delivered through traditional retail
Automotive IndustryDealership OperationsConsumer FinanceStrategic Partnerships

Adriano Marques

Co-Founder & COO

Technology & Operations

AI Engineer with 20 years of engineering experience. Adriano leads the technology vision behind Savings.Club. With a Master's in Computer Science focused on Artificial Intelligence from Georgia Tech, he architects the platform's proprietary Savings Score AI engine and the technology infrastructure that makes collective purchasing work at scale. Author of 'The Car-Buying Revolution,' holder of two granted U.S. patents and one pending with the USPTO, and founder of several companies and creator of open source solutions used by millions worldwide.

Credentials

  • M.Sc. Computer Science (AI) — Georgia Tech
  • Author — "The Car-Buying Revolution"
  • 2 granted U.S. patents + 1 pending (USPTO)
  • Creator of open-source solutions used by millions worldwide
Artificial IntelligencePlatform ArchitectureBehavioral UnderwritingScalable Systems

Fernando Lamounier

Co-Founder & CRO

Savings Club Expertise

Fernando is one of the foremost experts on the savings-club system in the world. As a partner at Multimarcas, a top-20 leader in Brazil's savings club market with over 30,000 active clients, he brings deep operational experience in collective purchasing. He holds a dual Master's from Yale and FGV, founded two savings club startups (Gruppi and Nuvva), and writes the 'Nossa Jabuticaba' newsletter, the leading publication on the savings club system.

Credentials

  • Master's — Yale University (MMS / GBS)
  • Master's — Fundação Getúlio Vargas (FGV)
  • Partner — Multimarcas (top-20 in Brazil's savings-club market)
  • Author — 'Nossa Jabuticaba' newsletter
Savings Club OperationsTrust StructuresRegulatory ComplianceFinancial Product Design

Valeska Martins

Chief People Officer

People & Culture

Valeska is a psychologist and expert in executive coaching and cultural transformation. With a BS, MA, and ongoing PhD candidacy, she brings global experience spanning the U.S., U.K., Japan, and Brazil. As President of ICF South Florida, she leads the people strategy that ensures Savings.Club builds a world-class team and culture as it scales across the United States.

Credentials

  • PhD Candidate — Psychology
  • M.A. & B.Sc. — Psychology
  • President — ICF South Florida
Executive CoachingCultural TransformationOrganizational PsychologyGlobal Leadership

The Builders

Four disciplines. One financial revolution.

The strategist who bypasses the banks.

JP knows the dealership ecosystem from the inside. He has put more than 2,500 vehicles on the road, sat on the F&I side of the table, and watched the same buyers get rejected by the same banks for the same reasons. He helped design the Savings.Club model so dealers and members could finally win at the same table.

The technologist who automates the infrastructure.

Adriano has spent 20 years building AI systems. The Savings Score engine, the prerender pipeline, the trust ledger, the fraud detection layer — every part of the platform was architected to make collective purchasing work at consumer-fintech scale. Two granted U.S. patents and one pending describe how.

The operator who de-risks a multi-billion-dollar execution.

Fernando has run savings-club operations for 30,000+ active members in the world's most mature consortium market. He brings the regulatory playbook, the trust-structure design, the member-experience patterns, and the operational instincts that took the Brazilian system 60 years to develop — pre-built for the U.S. launch.

The leader who scales our velocity.

Valeska builds the people system. As President of ICF South Florida and a working psychologist, she designs the coaching, hiring, and cultural-transformation work that lets a small team operate like a much bigger one — and lets a much bigger team keep operating like a small one.

Board of Advisors

Backed by industry leaders.

Our advisory board spans U.S. civil law, NASDAQ-listed venture capital, fintech IPOs, and the largest savings-club operators in the Americas.

Jon Loevy

Loevy & Loevy

Named one of America's Top 200 Lawyers by Forbes; civil-rights litigator with multiple eight- and nine-figure verdicts.

Michael Kanovitz

Loevy & Loevy

Honors graduate of Cornell Law School; partner with deep experience in complex commercial and class-action litigation.

Luis Otavio Matias

TecnoBank

Former VP of Banco Itaú; creator of Itaú Carros, Brazil's largest auto-finance ecosystem.

Ofli Guimaraes

Méliuz

Co-founder of Méliuz, the cashback fintech that IPO'd on B3 — one of Brazil's most successful consumer fintechs.

Pierre Schurmann

Nuvini (NASDAQ: NVNI)

Founder of Nuvini, listed on NASDAQ; SaaS roll-up operator across Latin America.

Diego Carmona

Leadlovers

Serial entrepreneur and SaaS visionary; co-founder of Leadlovers, one of Brazil's largest marketing-automation platforms.

Lucas Chaise

XP Investimentos

Former Head of Tech Investments at XP Inc.; venture investor focused on financial infrastructure.

Leonardo Batistella

DollarTeam

Top U.S. digital influencer in the Brazilian-American community; founder of DollarTeam.

Victor Yudi

DropLatam

Partner of DropLatam, Latin America's largest dropshipping operator.

Paulo Veloso

Staged Ventures

Partner at Staged Ventures; investor in SpaceX and other category-defining companies.

Elcio Gomes

Ademicon USA

Former Head of Latin America at Discover; bringing the world's largest savings-club operator to the U.S. market.

Felipe Buniac

Conta Simples

Fintech leader and partner at Conta Simples, one of the fastest-growing B2B fintechs in Brazil.

Eduardo Porath

DropLatam

Partner of DropLatam; cross-border ecommerce operator across the Americas.

Giovanni Rotta

DropLatam

Partner of DropLatam; cross-border logistics and fulfillment specialist.

We did not study financing from a textbook.

We lived it as consumers, as dealers, and as operators. That is why Savings.Club works.

See How It WorksTalk to Our Team
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