Marketing Leader of the Year Mike Sena Is Changing How Cebuana Lhuillier Tells Its Story

Emirosco Michael “Mike” Sena, First Vice President and Chief Marketing and Communications Officer of Cebuana Lhuillier, won Gold as Marketing Leader of the Year at the Marketing Excellence Awards 2026, recognizing his leadership and contributions to driving impactful marketing initiatives and strengthening the company’s brand.

As Cebuana Lhuillier continues to evolve beyond its legacy as a pawnshop, Emirosco Michael Sena, First Vice President and Chief Marketing and Communications Officer, has played a central role in shaping how the brand communicates this transformation to millions of Filipinos. His work has centered on making financial solutions more relevant to everyday life, connecting the company’s offerings, and positioning Cebuana Lhuillier as a partner across different stages of people’s financial lives.

“Mike has played a pivotal role in transforming how we build and communicate the Cebuana Lhuillier brand,” says Jean Henri Lhuillier, President and CEO of Cebuana Lhuillier. “He has brought together strategy, creativity, and a deep understanding of our customers to make marketing a meaningful driver of our business and financial inclusion agenda.”

Building a Financial Ecosystem Around Filipino Needs

Cebuana Lhuillier’s transformation reflects a broader evolution in how Filipinos engage with financial services. The company has expanded from its traditional pawnshop roots into an integrated portfolio spanning bridge financing through pawning, small loans, and money transfers, alongside savings, protection, entrepreneurial support through the Cebuana Lhuillier KaNegosyo Center, and wealth-building opportunities.

Sena helped advance this shift by reframing pawning as a practical and dignified financial choice, allowing Filipinos to unlock the value of assets they already own rather than viewing the service solely through the lens of hardship. This became part of a larger narrative: financial services can help Filipinos move forward at different stages of their financial journey.

For one customer, that might mean accessing funds or sending money to family today; for another, it could mean saving, securing protection, growing a business, or building wealth. Cebuana Lhuillier’s diverse portfolio enables the company to meet these priorities as they evolve.

Campaigns such as CebuanaAmazing All-In brought this vision to life by moving beyond individual product messaging and demonstrating how different services can work together to address the realities and aspirations of Filipino consumers.

Connecting Financial Services to Everyday Filipino Life

This evolution has also broadened the role of marketing within the organization. Communications now go beyond product promotion, helping make financial topics more accessible and connecting the company’s solutions with experiences familiar to everyday Filipinos.

The impact is reflected in Cebuana Lhuillier’s growing digital presence. The brand now has more than 10 million Facebook followers, 528,000 on TikTok, and 531,000 on Instagram, making it one of the most followed financial services brands in the Philippines. Its 2025 campaigns generated 9.9 billion impressions and 3.6 billion engagements, reflecting its ability to spark conversations around topics that matter to its audience.

Beyond these figures, the strength of the brand lies in its ability to build familiarity and trust. By presenting financial concepts through relatable stories and cultural insights, Cebuana Lhuillier has made conversations about money feel more approachable.

This work has earned recognition for both Sena and the team he leads. He was recently named Gold Awardee for Marketing Leader of the Year at the 2026 Marketing Excellence Awards Philippines, while Cebuana Lhuillier’s Integrated Marketing and Communications Group received Bronze for Marketing Team of the Year.

Building for the Financial Journey Ahead

Looking ahead, Sena’s priority is to make Cebuana Lhuillier’s growing range of solutions easier to understand and more relevant as people’s circumstances change. Whether addressing an immediate need or helping Filipinos save, protect, manage, and grow their resources, the goal is to make financial services a meaningful enabler of progress.

Through this work, Sena continues to influence not only how Cebuana Lhuillier is perceived, but also how it participates in the financial lives of the Filipinos it serves—evolving from a company known primarily for pawning into a broader financial partner.

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)