.
“You are defined by three things: your passion, your words
and your loyalty. In business, I always believe that a man is as good as his
words. Business is not about scheming or going under the table, but rather,
strategizing and being successful through merits and keeping your promises.
Loyalty and trust are earned through time and lost in a minute. Business is an opportunity to create
relationships wherein all stakeholders are happy, in the ideal world. When
faced with inevitable challenges, strive to stay positive, optimistic and
endure. Failures create opportunities for us to become better versions of
ourselves. Everything is about having setting a goal and achieving it, if
circumstances do not lead you closer then it, then it only derails you. Always
have a grateful heart and a purpose. These are the principles that I try to
live by in business as well as in life.
As said so eloquently by the successful Executive Vice
President of Filcredit Finance & Capital Development Corporation, Baldwin
Cham Velasco, who has been with the company since May 2012. In just a span of 6 years, Velasco now
manages a portfolio close to PHP500 million and manages all aspects of the
financing company.
“I ensure the maximum recovery and collections of all
regular, remedial, delinquent and bad accounts through negotiations,
compromise, amicable settle and legal remedies.
I make sure to exhaust all means necessary to collect through amicable
settlements while maintaining good relations and proper documentation for the
maximum security of Filcredit,” said Velasco.
Filcredit Finance and Capital Development Corporation
(Filcredit) is a finance company that has been offering financial products and
services since 1990. Filcredit provides a reliable source of working capital
financing to Small and Medium Enterprises (SMEs). The company continues to further reinvent
itself and is now diversifying their products, including micro financing in its
financial offerings. Composed of a team
of highly-skilled professionals, Filcredit’s goal is to help companies better
manage their cash flow so they can focus more on production, sales, business
development, and of course, increase their bottom line.
As with any financial company, Velasco admits that constant
creativity and resourcefulness are very important aspects which are needed to
successfully manage the company’s treasury and renegotiate with the company’s
non-cooperative accounts and convert them into cooperative compliant ones.
“I lead a very lean organization while ensuring to manage
the treasury of the company the best way I know how. I create various business solutions and
remedies for various SMEs to ensure their continuous survival and further grow
their business through financial partnering.
I am very passionate of this and I believe that in business, as well as
in life, there should always be a win-win solution, regardless of the
situation,” added Velasco.
And to always achieve a win-win solution for both parties,
Velasco says that it is crucial for people to always maintain good professional
relationships with everyone around them, most importantly their banks and other
financial institutions they are in business with. This way, their line of credit will always
remain to be a viable option, should the need arises.
Velasco is in the business of managing relationships and as
with this kind of business, relationship, being the operative word, is all
about honesty, transparency, and trust.
These three key traits comprise the secret to his success and continue
to be the driving force to his management style.
“I truly believe that my success really stems from these
three innate qualities – being honest, transparent, and being trustworthy. I always try to incorporate these in the work
environment that I am in and manifest itself in how I work with people and vice
versa. By championing these traits, whether it be in the workplace or with my
clients, I find that when the trust has been established, the sense of security
is increased and people start feeling more empowered, thus leading to more
productivity and a better outlook on life.
Yes, over time, these priorities may change but what should never
change, is my personal commitment to be as open, honest and be as transparent as
possible, with the people I work with, and this I feel has made all the
difference,” said Velasco.
As an aspiring philanthropist, It is Baldwin’s passion to
also help the gay community and is a donor at the Sustained Health Initiatives
of the Philippines, focusing on empowering HIV-positive occasional or habitual
drug users who want to change by providing them with medications, assistance,
counseling and other interventions that would help them have better lives.
Baldwin Cham Velasco took up Master of Arts in Psychology,
Major in Industrial Organization, as well as Bachelor of Arts in Management
Economics at Ateneo de Manila University.
His works has been published including his research on LGBT Workplace
Discrimination; provided research on Social Entrepreneurship entitled,
“Pathways” and contributed content for the book, “For the People, With the
People: Developing Social Enterprises in
the Philippines”, which won the Cardinal Sin Catholic Best Book in Ministry
during the Catholic Mass Media Awards in 2010.
He was also the presenter for the Psychological Association of the
Philippines for the research that he did on Social Entrepreneurship, Pathways
in 2009.
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