About Us

Our mission is to give the muscle back to the bank and its cardholders. We transformed how banks run their reward programs. Our culture is customer centric, and we are focused in delivering high value experiences for everyone.

Just like muscles connect limbs to joints . Our AI solutions enable smarter redemptions for better customer engagement connecting every user with personalized reward opportunities so banks can drive profitable loyalty programs and change people’s lives

We are a team passionate individuals who previously worked for Banks, Cloud Providers, Startups and software development companies.

Why Muscle?

Start saving from day 1

Improve profitability by optimizing redemption costs.

Increase loyalty

Drive 1:1 personalized offers to every cardholder, increasing redemption rate.

A.I. driven results

Create unique points & cash combinations that increase probability of points redemption and saves money for the financial institution.

Time to market velocity

We are ready to go! Our seamlessly integration makes it easy to get started.

Start Saving from day 1

Improve profitability
by optimizing redemption costs.

Increase Loyalty

Drive 1:1 personalized offers to every cardholder, increasing redemption rate.

Time to Market Velocity

Muscle is ready to go! Our seamlessly integration makes it easy to get started.

AI is not easy, but we made the heavy lifting

Muscle's proprietary algorithm creates unique points & cash combinations that increase probability of points redemption and saves money for the financial institution.

Trust/Proven

We empower banks to create customized digital experiences and build relationships with cardholders — fueling redemptions, analytics, and personalization KPI’s.


Helping banks run profitable and successful loyalty programs.

18

%

Purchase Volume (TPP)

$

21

%

Cost per Point (CPP)

$

1.6

x

Cardholder Redemptions

$

3.2

%

Conversions

We started 2 years ago with a lovely idea: change people's life with their bank rewards points. Transform the world we thought. But one idea is just the first part and alone is not enough, that's why we work hard and build an amazing team of technologists, financial experts and marketers to change the world together.

Muscle is a fintech company, empowering cardholders through their bank loyalty program.  We have an amazing, white-labelled reward platform, a robust API and a ready to use browser add-on to pay with points anywhere on the web.

We created the right software and great things are happening, hundreds of companies are seeing Muscle as a trusted partner, developers, designers and technologist talked about our company culture we just need to say that great is the sum of all the parts and if you are looking for a great place for work and growth email us.


Meet our Team

José Ignacio Cordero L.
CEO
Pablo Solis
CTO
Luis Luna
Head of Engineering
Juan Zamora
Chief Data Scientist
Nelson Calderon
Senior Technical Product Owner
Carlos Reyes
Lead Software Engineer
Arturo Pacheco
Senior Market Analyst
Jean Carlo Picado
UX Designer & Motion Graphics
Santiago Hurtado
Software Engineer
Brian Guacaran
Senior Software Engineer
Eliana Díaz
Software Engineer
Minh Hy
Senior Software Engineer
Leidy Pineda
Automation QA
Sarkis Bazdikian
Senior Software Engineer
Loc Nguyen
Senior Software Engineer
Constanza Reyes
UX Manager
Maria Vargas
UX Engineer & Designer

Advisory board

More than 3 decades of experience in Finance, Artificial Intelligence, retail banking.

Carlos Araya

Inventor and Investor

PhD in Computer Science, Master of Engineering in Operations Research. Founder and investor with 42 years of experience in software companies including Singularities.com (California), Mobilize.net (Seattle), UCenfotec.ac.cr (Costa Rica), SimMachines.com (Chicago). Founder of the first Central American venture capital fund and first private IT university in Central America.

Daniel Perez

Founder, Financial Sector, Law

Lawyer with extensive experience in the financial sector within Latin American jurisdictions. For the last 9 years he has been the Legal Director and member of the Board of Directors of BAC Credomatic, a Financial Group with operations in 10 jurisdictions and the largest regional bank in Central America. Daniel has two master's degrees, a BCL / MJur degree from the University of Oxford and an LL.M. from Harvard Law School.

Carlos Salguero

Technology in financial sector

Systems Engineer with more than 28 years of experience in technology-intensive banking, finance and operations environments. Has led technology-based solutions, as well as methodologies and frameworks to support corporate strategy. For the last 10 years, he has been responsible for banking and technological transformation processes as Director of Technology at BAC Credomatic.

José Ignacio Cordero E.

Retail Banking & Credit Card Business

MBA with 27 years of experience in the financial sector. During the last 3 years, Manager of Retail Banking and SMEs at BAC Credomatic in Costa Rica. 2008-2016, he was responsible for the Credit Card Business. Combining his corporate experience with the family business, as president, he has led the expansion of the family owned pallet and logistics business to Central America and the Caribbean.

Be part of our mission

We’re looking for passionate people to join us. We value flat hierarchies, clear communication, and full ownership and responsibility.

Join Us!

Our offices

Costa Rica
Brazil
Spain
Chile
Equator

Be part of our mission

We’re looking for passionate people to join us. We value flat hierarchies, clear communication, and full ownership and responsibility.

Benefits include

  • Quality-driven environment
  • Flexible hours and extended vacation
  • Competitive compensation
  • Office located closed to natural places
  • Healthy work-life balance
  • Remote-friendly environment
  • Educational time for personal growth
  • Agile work environment

Open positions in Marketing and Management

Human Resources Manager
San José, Costa Rica