Systems Engineer · Finance Operator

Analyze. Structure. Envision. Execute.

I build companies, structure capital, and write about the frameworks the rest of the world hasn't noticed yet.

A thought process, simplified: read the system, find the core, design the outcome, build it.
Jose Ponce

For twenty-five years I have worked where engineering meets money: integrating the systems of banks and enterprises, structuring commercial finance, and building automation into how companies run. The common thread is a way of seeing. I reduce complicated problems to their core, and design from the outcome backward.

01

Commercial Finance & Capital

Originating and structuring financing on the borrower's side through Thalos Capital.

02

M&A & Integration

Deal structuring and post-merger integration for banks, lenders, and my own holdings.

03

Systems, AI & Modernization

Two decades rebuilding enterprise systems, now designing agentic AI automation via CXO.

04

Real Assets & Value

Reading property the way an engineer reads a structure, with rigorous financial analysis.