El fundador de MercadoLibre planea seguir multiplicando el valor de su compañía. Y en gran medida espera obtener ese resultado apostando fuerte por las finanzas on line. Así como el e-commerce revolucionó al mundo comercial piensa que lo mismo va a pasar con el sistema bancario. Y que MercadoLibre será el gran jugador de ese rubro en América Latina.
Su abuelo llegó de Rusia con una mano atrás y otra adelante, como tantas familias rusas judías en aquella época. Décadas más tarde, Marcos Galperin logró armar la empresa de mayor valor del país: Mercado Libre hoy vale US$ 13.000 millones –más que YPF- e integra el lote de privilegio de las cien tecnológicas más importantes del mundo, al ingresar este año en el Nasdaq 100, compartiendo cartel nada menos que con Google, Apple, Facebook y Microsoft, entre otras.
Su ingreso en el Nasdaq 100 tuvo mucho de valor simbólico, ya que debió reemplazar a Yahoo, compañía que fue estrella de Internet y hoy ya en retirada, dejando lugar a nuevas estrellas. “Nadie tiene el éxito asegurado en el capitalismo” razona Galperin, fanático tanto de la innovación constante como del trabajo duro.
Pensamiento propio
“Viendo la reforma laboral brasilera, Argentina puede: 1) imitarla, 2) salirse del Mercosur, 3) resignarse a perder millones de empleos a manos de Brasil”, escribió Galperín en su cuenta de Twitter. El corto mensaje de inmediato se viralizó y resonó con ecos más que agradables en los oídos del gobierno y también de sus colegas empresarios. Lo que ninguno de los tradicionales popes del empresariado se había animado a decir, sorpresivamente apareció en boca de un emprendedor joven, super exitoso, enrolado en la avanzada de los negocios e insospechado de recibir favores del Estado. Con esas pocas pero potentes palabras, Galperin logró poner en el primer plano de la agenda pública la necesidad de una reforma laboral en serio, que favorezca la competitividad y la generación de empleo. Algo que el gobierno intentará hacer mediante consenso, aunque no se sabe con cuánta profundidad. Con aquel tuit, Galperin se instaló en la consideración de los capitanes del empresariado como uno de los suyos y de los más valiosos. Algo que seguramente no había buscado, porque si emitió aquella opinión fue porque nacía de una fuerte convicción, surgida acaso a través de experiencias traumáticas. Como aquella vez en que sufrió una especie de extorsión sindical, lo cual le impidió desarrollar un proyecto localmente y trasladarlo a un país de la región, dando empleo a 700 personas. Es algo que le molesta particularmente, estas rigideces de la legislación laboral y del mundo sindical, que hacen perder oportunidades a trabajadores argentinos. Y que además pertenecen a un mundo que no es el actual, signado por la flexibilidad y el cambio permanente.
LOS BANCOS EN LA MIRA
Alguna vez dijo que esperaba retirarse de MercadoLibre antes de los 45 años. Hoy ya tiene 45 y lejos del retiro, su cabeza está ocupada con nuevas ideas que lo llevan a imaginar una empresa cien veces más grande de lo que hoy es. Y la fórmula sería hacer con el dinero lo mismo que con el comercio: “democratizarlo”, facilitarle la vida a los usuarios, generar nuevas alternativas para los ahorristas y costos más bajos para quienes necesitan crédito. Al fin y al cabo, lo financiero es lo suyo. Antes de lanzarse con MercadoLibre creía que su primer emprendimiento en Internet iba a tener que ver con las finanzas, pero Wenceslao Casares se le adelantó con Patagon.
Para Galperin, la de los bancos es una industria anquilosada y poco eficiente, llena de regulaciones que conducen al inmovilismo, a proteger a los jugadores establecidos. Cree que el negocio de los bancos, como lo conocemos, tiene los días contados. Considera ridículo que cobren tanto por los servicios, que tomen dinero gratis o bajo costo, se den vuelta y lo presten a altas tasas.
En realidad no postula que “los bancos” van a desaparecer, sino que van a tener otro rol, más ligado al comercio exterior, a la banca corporativa y al financiamiento de los grandes proyectos de inversión. En cambio la banca minorista estará cada vez atendida por lo que hoy son pequeñas empresas fintech y otras plataformas que aún no conocemos, que van a conectar a la masa de ahorristas con el crédito para el consumo o los pequeños proyectos, en forma más eficiente.
SU VISIÓN
En ese marco, está convencido de que MercadoLibre, a través de MercadoPago, puede ser uno de los jugadores más importantes del mundo financiero en América Latina. A su vez, sigue con atención a las fintech por medio de su propio fondo de inversión, MeLi Fund, aportando dinero en proyectos vinculados con su plataforma. Así, invirtió en empresas de microcréditos, sistemas de gestión y contabilidad, estadísticas y automatización de procesos, entre otras.
Si bien por el momento estas empresas son muy pequeñas, los bancos saben que no pueden desdeñarlas, porque hace dos décadas Walmart se reía de Amazon y hoy no se ríe más. Para Galperin a la larga prevalecerá la mayor eficiencia de las nuevas alternativas financieras en una porción muy significativa del sistema bancario.
El gran desafío para MercadoLibre, en la visión de su fundador, es involucrarse, cada vez más, en el negocio financiero, sin perder el foco tradicional de su negocio. Ya hay mucho camino recorrido para eso con el armado de la plataforma de pagos y todo lo relacionado con la seguridad y la prevención del fraude informático. Por eso entiende que integrar a esa plataforma lo concerniente a distribución y administración de préstamos, por ejemplo, es algo bastante natural.
Ya hace casi dos años que MercadoLibre lanzó Mercado Crédito, un servicio que presta dinero a usuarios de la plataforma y que hasta fines de agosto de este año había otorgado más de 6.000 créditos a 4.800 vendedores por $580 millones.
EL GIGANTE MERCADO PAGO
Mercado Pago, en tanto, es un verdadero gigante dentro de la plataforma que no para de crecer, con transacciones que en el segundo trimestre de 2017 aumentaron un 63,3% en comparación con igual período del año anterior y un volumen total de pagos procesados de US$ 3.152 millones. En verdad MercadoPago ha sido uno de los grandes aciertos de Galperín. El sistema permite que los compradores paguen en cuotas y los vendedores cobren el monto total en el acto. Esto se logra negociando con los bancos y las tarjetas gracias al volumen de transacciones que genera la plataforma. De este modo una persona en cualquier parte del país, por alejada que sea, puede tener mejores cuotas que cualquiera de los grandes hipermercados. El sistema comenzó funcionado solo para MercadoLibre, pero luego se abrió a terceros logrando un crecimiento espectacular todos los años.
ECOSISTEMA EMPRENDEDOR
Otro sueño de Galperin es contribuir a generar un ecosistema favorable para el mundo emprendedor que permita la consolidación de muchos MercadoLibre en el país y en la región. Le encanta pasar tiempo con emprendedores, escuchar sus historias de éxitos y fracasos, estar atento a toda iniciativa tecnológica novedosa. Y cree que su empresa ya está haciendo camino en esa dirección ya que ha formado a buena parte de los expertos de la región en comercio y pagos electrónicos, marketing on line, marketplaces, comunidades virtuales. También está orgulloso de repasar la lista de ex empleados de MercadoLibre que hoy ocupan altos cargos en otras compañías o que impulsan sus propios proyectos. 9 de agosto de 2007 Mercado Libre debuta en el Nasdaq mientras afuera estalla la crisis global de las subprime.
UN DEBUT DE PESADILLA
El 9 de agosto de 2007 será recordado como el día en que comenzó una de las mayores crisis financieras de la historia. El crack generado por los créditos subprime de EEUU se trasladó a todo el mundo, los mercados sufrieron derrumbes espectaculares y los bancos centrales de los países más importantes tuvieron que intervenir inyectando liquidez. Era el caos. Fue justamente ese día cuando MercadoLibre lanzó su oferta pública inicial de acciones, comenzando a cotizar en el Nasdaq. Ni en las peores pesadillas Galperin podría haber sospechado un debut tan accidentado. Sin embargo la salida a Bolsa tuvo pleno éxito: la sobredemanda fue de diez veces las 4 millones de acciones que se vendieron, a un precio de US$ 18, que a pesar del contexto adverso comenzó un rápido ascenso al día siguiente. Por supuesto hubo momentos de zozobra, cuando todo y todos le aconsejaban a Galperin desacerse de la empresa, algo que nunca se le pasó por la cabeza. Resiliencia es una de sus palabras favoritas, no darse por vencido ni aunque uno se encuentre al borde del knock out, en tanto siga convencido de su proyecto. Claro que en los primeros años la máquina de MercadoLibre funcionaba potente y aceitada, pero no generaba ganancias y esto le causaba angustia a Galperin, que admite que solo se sintió un hombre de negocios cuando tuvo el primer ejercicio sin números rojos.
EL CAMINO AL ÉXITO
Serio, austero, algo soberbio pero consciente de sus fortalezas y debilidades, una persona muy controlada y estable: son algunas de las palabras que ex socios o empleados utilizan para describirlo. Marcos Galperin nació el 31 de octubre de 1971 y es el cuarto de cinco hermanos. Sus dos abuelos fueron emprendedores: el paterno que vino de Rusia sin un dólar y el materno que emigró de Alemania e inició el negocio familiar de cueros, que el padre de Marcos –que solo fue a la escuela primaria- transformó en Sadesa, una de las curtiembres más importantes del mundo. Marcos nunca trabajó en esa empresa. A los 17 años fue a estudiar Finanzas en Wharton, en la Universidad de Pensilvania. Allí terminaría el college, luego de lo cual volvería a Buenos Aires, para comenzar a trabajar en YPF. Dos años más tarde, ya casado con Karina, su novia de siempre y con Félix, su primer hijo, retornaba a Estados Unidos para obtener una maestría en Stanford. Su otro trabajo fue en el JP Morgan, pero siempre supo que su destino estaba vinculado con los negocios en Internet. Luego de algunos proyectos que no cristalizaron, se asoció con Hernán Kazah a quien había conocido en Stanford para fundar MercadoLibre. Kazah trabajó más de diez años como director operativo y financiero de la compañía, de cuya conducción hoy está alejado aunque sigue siendo accionista. Los primeros tiempos estuvieron signados por rondas de inversión exitosas y la competencia a muerte con DeRemate, el sitio que lanzó al mismo tiempo otro argentino, Alec Oxenford, y que MercadoLibre iba a terminar comprando años después. Hoy Oxenford es fundador de otro de los pocos unicornios argentinos: OLX.
EL IMPACTO SOCIAL
“Vamos a inaugurar 16.000 metros cuadrados de oficinas en la ex fábrica Philips en el primer trimestre de 2018 y 6.000 metros cuadrados en el distrito tecnológico de Parque Patricios”, anticipó Marcos Galperin en una visita que el Presidente Macri hiciera a las oficinas de MercadoLibre. Sin duda, el mayor unicornio argentino sintoniza a las mil maravillas con el modelo de nuevo empresariado que el gobierno pretende ver crecer rápidamente entre los brotes verdes. A su vez, Galperin está involucrado en el “impacto social” de MercadoLibre en Argentina. Así, los directivos de la compañía han insinuado la posibilidad de que la misma comience a cotizar en la Bolsa de Buenos Aires en algún momento, una noticia que sería espectacular para los operadores del mercado bursátil local, acostumbrados a que las grandes emisiones de empresas domésticas se hacen en el exterior. Galperin ha aclarado que MercadoLibre no lo necesita, pero si se concreta sería más que nada como una contribución para el mercado de capitales y un estímulo al clima de negocios local.
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