What does Marino Pernía do?

Marino is a diagnostic build partner for scaling founders. He identifies the structural breakdowns slowing growth — in product, systems, or team — and builds the fix directly, without handoffs or junior layers. He works with three or four companies at a time.

Who does Marino Pernía work with?

Founders and CEOs of scaling companies past product-market fit who have hit a wall where generic solutions stop working. Typically companies generating $500K–$5M+ ARR across LatAm, North America, and Europe.

How much does it cost to work with Marino Pernía?

A focused diagnostic strategy session starts at €500. Advisory and build retainers run €4,000–€7,500 per month depending on scope and engagement depth.

What companies has Marino Pernía worked with?

Marino has held operator roles inside Rappi (superapp), Addi (fintech/BNPL), La Haus (proptech), and Zenpli (fintech/identity) — building partner ecosystems, AI fraud detection systems, data platforms, and identity engines at scale. He now brings that operator track record to a small number of advisory clients.

How is working with Marino different from hiring a consulting firm?

Marino works directly — no agency overhead, no handoffs, no junior layer. He starts with a diagnostic rather than a proposal, stays involved through execution, and limits his client list to three or four companies at a time so every engagement gets his full attention.

growth, engineered.not consulted on.

I go inside the company — across product, engineering, growth, and ops — and diagnose what is actually breaking. Then I install the fix.

experience backed by

// the three gaps

every scaling companybreaks in the same three places.

Not the same symptoms. The same structural gaps. I diagnose which one is the root cause, and install the fix before it compounds.

01 / direction

strategic gap

the CEO knows something is wrong. the team keeps shipping.

interventiondiagnostic advisory

forfounders past PMF

02 / delivery

execution gap

the strategy is right. the organisation can’t move fast enough.

interventionbuild partnership

forscaling teams

03 / capability

knowledge gap

the team is capable. nobody has done this stage before.

interventionoperator programs

foroperators and teams

01 / direction

strategic gap

the CEO knows something is wrong. the team keeps shipping.

interventiondiagnostic advisory

forfounders past PMF

02 / delivery

execution gap

the strategy is right. the organisation can’t move fast enough.

interventionbuild partnership

forscaling teams

03 / capability

knowledge gap

the team is capable. nobody has done this stage before.

interventionoperator programs

foroperators and teams

// diagnostic field

where the gaps appear.before they become the company.

The roadmap is moving, but nobody can explain why each part exists. I trace which product decisions still hold, which ones are now debt, and where the system will break at the next stage.

Revenue can climb while the machine gets weaker. I separate real demand from channel luck, vanity motion, and acquisition loops that will not survive pressure.

The team ships prompts, agents, and workflows, but the operating model stays messy. I decide where AI compounds judgment and where it only accelerates noise.

Good people can still be missing the mental models for the next phase. I compress that learning curve so capability stays inside the company after I leave.

The process that saved you at ten customers starts taxing every new one. I find the operational debt before it hardens into structure.

// the operator track

the rooms I was inside.before I started prescribing.

Not advisory. Not consulting. Operator roles inside the companies that defined how Latin America builds at scale.

2018 / superapp / marketplace

partner ecosystem architecture
ML-powered global search engine
ad-tech monetization layer

20%partner GMV growth

2019 / fintech / bnpl

AI fraud detection models
automated loan origination pipeline
real-time identity verification

<0.1%fraud rate (from 10%)

2021 / proptech

event-driven data platform
core-ops automation engine
lead acquisition optimization

15xtransaction volume

2023 / fintech / identity

modular identity engine
automated KYB/KYC pipelines
data-driven risk models

92%synthetic fraud eliminated

2018 / superapp / marketplace

partner ecosystem architecture
ML-powered global search engine
ad-tech monetization layer

20%partner GMV growth

2019 / fintech / bnpl

AI fraud detection models
automated loan origination pipeline
real-time identity verification

<0.1%fraud rate (from 10%)

2021 / proptech

event-driven data platform
core-ops automation engine
lead acquisition optimization

15xtransaction volume

2023 / fintech / identity

modular identity engine
automated KYB/KYC pipelines
data-driven risk models

92%synthetic fraud eliminated

// work in proof

results thatspeak plainly.

see all work

BNPL credit system map

shared language layer

merchant checkout

offer shownorder intentmerchant terms

repayment loop

installmentscollectionsbehavior data

growth intelligence

cohortsactivationrisk feedbackproduct signals

credit decisioning

identityrisk scorelimitapproval

merchant checkout

offer shownorder intentmerchant terms

credit decisioning

identityrisk scorelimitapproval

repayment loop

installmentscollectionsbehavior data

growth intelligence

cohortsactivationrisk feedbackproduct signals

repayment behavior feeds the credit model

FINTECH / BNPL2026

vana

Embedding strategic clarity, product discipline, and organizational alignment into a rising Guatemalan BNPL platform ready to scale credit access across Central America.

installed

Product-Led Growth StrategyDomain-Driven Design (DDD) ImplementationCredit & Identity Risk Framework

signals

Unified Language Across Business, Product & Tech

Strategic Clarity for Central American Expansion

“What Marino brought wasn't just strategy, it was clarity.”

VIEW MORE→

FINANCIAL SERVICES / SECURITY

premier luxembourg tax agency

Designing a privacy-first client portal and secure automation infrastructure for a leading tax advisory firm in Luxembourg.

LUXURY REAL ESTATE / AI

premier luxury real estate brand

Engineering a bespoke, in-house voice AI infrastructure to handle high-value property inquiries with human-level latency and precision.

EDTECH / B2B TRAINING

corporate language academy

Digital transformation for a leading provider of corporate language training in Spain, automating B2B lead acquisition and student scheduling.

FINANCIAL SERVICES / SECURITY

premier luxembourg tax agency

Designing a privacy-first client portal and secure automation infrastructure for a leading tax advisory firm in Luxembourg.

LUXURY REAL ESTATE / AI

premier luxury real estate brand

Engineering a bespoke, in-house voice AI infrastructure to handle high-value property inquiries with human-level latency and precision.

EDTECH / B2B TRAINING

corporate language academy

Digital transformation for a leading provider of corporate language training in Spain, automating B2B lead acquisition and student scheduling.

// the compound effect

the longer I’m installed,the less you need me.

That is the point. Advisory that installs capability — not dependency.

month 1

diagnosis complete. root cause named.

month 3

systems installed. team thinking shifts.

month 6

compounding visible. bottlenecks cleared.

month 12+

capability stays. I step back.

// the ongoing build

air traffic control

three-platform intelligence layer

the gallery

marynariepnova.comcollector hubinquiry only€550–€1,250+

the studio

repkaarts.comdirect purchaseprintsceramics

the academy

academy.repkaarts.com€49/mo1k+ memberseducation

ATC brain

viral scorefunnel routingcontent taggingcohort data

the gallery

marynariepnova.comcollector hubinquiry only€550–€1,250+

ATC brain

viral scorefunnel routingcontent taggingcohort data

the studio

repkaarts.comdirect purchaseprintsceramics

the academy

academy.repkaarts.com€49/mo1k+ memberseducation

social content routes audiences through the right platform

execution · ongoing2024–present

repka arts

three-platform revenue architecture. designed from scratch. still running.

installed

revenue architectureheadless e-commercecommunity platformAI analytics

signals

250% increase in revenue

4x high-ticket commission inquiries

1,000+ community members

"Collectors find us globally now, and I finally have the headspace to focus on my craft."

VIEW MORE→

// the ecosystem

advisory is one layer.the full stack goes further.

I handle the strategic and execution layer. Codex Academy installs the knowledge layer — programs for operators ready to build what actually scales.

operator programs

codex academy

programs for operators ready to build what actually scales.

explore codex →

// the practice

four companies.two open slots.

I take on one new founder at a time. Two slots are currently open.

01fintech · scaling

02ecommerce · scaling

03open

04open

apply for an open slot

// the first step

not a contact form.an application.

Bring the bottleneck you’ve been working around. I’ll give you an honest read in 48 hours.

the strategy session is 500€ / two hours. if you’re not ready to invest that, this probably isn’t the right fit.

apply to work together

or email to hello@growthwebs.com

growth, engineered.not consulted on.

every scaling companybreaks in the same three places.

strategic gap

execution gap

knowledge gap

strategic gap

execution gap

knowledge gap

where the gaps appear.before they become the company.

the product stops explaining itself

growth hides fragility

AI adds motion, not leverage

the team is learning the stage live

operations become invisible debt

the rooms I was inside.before I started prescribing.

results thatspeak plainly.

vana

premier luxembourg tax agency

premier luxury real estate brand

corporate language academy

premier luxembourg tax agency

premier luxury real estate brand

corporate language academy

the longer I’m installed,the less you need me.

repka arts

advisory is one layer.the full stack goes further.

codex academy

four companies.two open slots.

not a contact form.an application.