About Us

VOPM or Virtual Operating Models is a Dominican ecommerce group with offices in the United States and the Dominican Republic. Since our beginnings in 2009, we have been venturing into the financial, retail and insurance areas through web portals. We stand out in identifying services that the consumer of today is needing to he satisfy from the comfort of his computer, tablet or smartphone and we help him to make it possible. Our level of services is second to none, and that is because we are obsessed in focusing everything that we do on the client. Our way of approaching projects is unconventional, since everyone starts from the vision of the final product and not as a result of technology, products or processes available at the moment. Our progress is not perfect. The expectations of others or the highest of ours are not always achieved. When we make mistakes, we admit them, learn from them and move on with even more experience.

Want to be part of our team?

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

Join Our Team

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 VOPM

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

Carla Lizondo

Carla Lizondo (Argentina)

RRHH Director VOPM

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 Panacrédito

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