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Pablo Fernández is the co-founder and co-CEO of Clicars, an online platform that enables users to trade, finance, buy and sell refurbished cars through a more transparent, digital and trustworthy experience.
Pablo joined BCG in the consumer and digital services practices right after graduating from Universidad Complutense de Madrid where he studied International Relations and founded Becasfacil, the largest scholarships website in Spain. In 2007, after two years at BCG, Pablo joined Santander Bank in the investment banking division and the global CFO office. In 2010, Pablo became the youngest Executive Vice President (Head of Strategy & CEO Office Director) at Santander U.S. Through this role he became part of the executive committee leading the strategy and corporate development of the profitable auto finance business. In 2014 he completed the General Management Program at Harvard Business School.
Although the used car market in Spain is worth over $13B, consumers only have two traditional options: car dealers and informal peer-to-peer transactions. With most car dealers lowballing offers to sellers and upselling to buyers, and informal transactions leaving buyers susceptible to scams and misinformation, neither option is ideal. Thus, Clicars is a win-win for both buyers and sellers (both individuals and businesses) of second-hand cars. For buyers, Clicars offers a fully-inspected, detailed, and Clicars-certified car at a competitive price delivered right to their door. A customer-centric brand, Clicars also gives financing and insurance options, as well as a 15-day or 1,000 km return policy (the longest in the market).
Individual sellers are drawn to Clicars’ free, on-site appraisal using its proprietary pricing algorithm that uses real-time market and Clicars’s data to ensure sellers receive a fair offer. Once a vehicle passes Clicars’s 250-point mechanical inspection, sellers can choose an immediate purchase or consignment option. So valuable is Clicars’ customer-centric sales model that business sellers now allow the company to hold their inventory in Clicars warehouses at no charge until a sale is made.
Clicars uses technology to bring data, transparency, and convenience to the used car market. Its full-service platform allows both buyers and sellers to complete a transaction 100% online as well as get access to financing and insurance options through partners like Santander and BBVA.
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