About Us

VOPM or “Virtual Operating Model” Is a Latin American Internet group with development teams in Cuba, Chile, United States and Dominican Republic. Since our beginning in 2009 we’ve been involved in the financial sector, technology, tourism, telecommunications, real estate, retail and insurance through web portals. We excel in identifying the services that today’s consumers are in need of meeting from their computer, tablet or smartphone and we help them make it possible.

Our level of service is second to none, and this is due to the fact that we’re obsessed with putting our client in first place of everything we do. The way we create services is unconventional because we focus first on the customers vision and not as a result of the technology, products and process available at the moment.

Our progress has not been perfect. The expectations of others, and the even higher expectations we have of ourselves, have not always been met. When we make mistakes we admit them, we learn from them, and we keep moving forward with even more understanding and a deeper commitment to doing what’s right. We consider The Dominican Republic an excellent lab to create new web business that could be successful in our target market, Latin-America, and we’re glad to announce that coming soon two of our projects (Panacrédito y Tpido) are going to be giving their first steps in this direction.

Want to be part of our team?

We are constantly looking for new talents. Join our team and make a difference!

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Our Team

Passion is in everything we do. We’re committed to offer the best experience possible, boost the success of our companies through the satisfaction of our client. When things get rough we keep on having that positive attitude and optimistic behaviors because the sky is the limit.


Víctor Pacheco (USA)


Innovations that work are good, but copy something that already works is more efficient.


Silvia Arroyave (Colombia)


Wealth is more about enjoying than possessing.

Carlos Espinel

Carlos Espinal (D.R)

Operations Director Panacrédito

To be a winner, you must plan to win, prepare to win and act to win.


Pablo Marín (Cuba)

Tecnological Panacrédito

Where there is a successful business, someone once made a courageous decision” -Peter Drucker

Carla Lizondo

Carla Lizondo (Argentina)


We value more a good idea than a pile of knowledge.


Jan Pavlik (Czech Republic)

Technical Director VOPM

Make it simple and better.


Paulina Nowicka (Poland)

eCommerce Director

You can’t do today’s job with yesterday’s methods and be in business tomorrow.

Juan Gabriel

Juan Gabriel Bautista (D.R)

Director of Collections Panacrédito

The triumph is not always to win, but never to be discouraged.


Catherine López (Colombia)

Business Director Panacrédito

Choose a job you love, and you will never have to work a day in your life.


Diana Jaramillo (Colombia)

Business Director Umbrella Corredores

Great works are performed not by strength but by perseverance.

Jose Morillo

Jose Morillo (R.D)

Legal Director Panacrédito

Live your life as though your every act were to become a universal law.