Experience

Provu

• Brazil
• Financial Services
• 100 - 200 Employee

• Credit Risk Manager

  • Aug 2022 - Present



a55

• Brazil
• Financial Services
• 1 - 100 Employee

• Head of credit

  • Sep 2021 - Jul 2022

  a55 is a B2B fintech operating in Brazil and Mexico, specializing in revenue based finance and known for performing credit analysis based on alternative data that aim to predict the company's future revenue. With tickets ranging from R$20k to R$2mm, we work with different types of customers. As head of Credit, I was responsible for Credit Risk (BR and MX), loan desk and Credit Operation (formalization and collection). I was less hands on and more focused on managing people and processes (team of 12 people), delegating and ensuring that the team's deliveries are aligned with the company's strategy. I led, together with the team, creation of credit engines for different data sets coming from partnerships, review of credit policies with a focus on data, portfolio studies to determine PD, EAD, LGD, EL, pricing optimization ensuring a55 financial planning, competitive market rates and profitability to investors, contracting new credit solution services aimed mainly at improving customer experience and reducing lead time, creation of policies for SCD (PLD and FT, KYC, Socio-environmental Risk , Integrated risk governance), review of collection policies and new collection actions. We used to work directly with almost all areas of the company: financial, IT, products, commercial, legal. Show less



Listo

• Brazil
• Financial Services
• 300 - 400 Employee

• Credit Risk consultant

  • Jul 2020 - Sep 2021

  Responsible for all credit decisions (B2C and B2B), such as Credit Policies, Score Model, Credit Engine, Credit Bureau, among others. Also responsible for the creation of indicators in the Credit area, monitoring and management of indicators, focused on Credit, collection, fraud and origination, such as FPD, Over, NPL, Roll out, Credit Funnel and others. Generation of studies aimed at portfolio analysis such as profitability, VaR, Expected Loss, PD, EAD and LGD. Development of income models, predictive analysis, Backtests, Stress Testing, among others. Generation of information for PDD and investor relations. Focal point for data providers and Credit Bureaus, extensive knowledge of market solutions. Great interface with IT, finance, legal, commercial and strategy staff. Show less



ID Finance

• Spain
• Financial Services
• 200 - 300 Employee

• Credit Risk Manager

  • Aug 2019 - Apr 2020

  Responsible for developing new initiatives on the risk side. Team management of up to 11 people. Responsible for backing up the credit bureau, changing the entire fraud analysis process focused on automation and improving the customer experience. Innovation in the credit analysis process with new external partners, responsible for several AB and Back tests, monitoring and management of credit sccore modeling, risk KPIs, among others. Responsible for developing new initiatives on the risk side. Team management of up to 11 people. Responsible for backing up the credit bureau, changing the entire fraud analysis process focused on automation and improving the customer experience. Innovation in the credit analysis process with new external partners, responsible for several AB and Back tests, monitoring and management of credit sccore modeling, risk KPIs, among others.



Ferratum Global

• Finland
• Financial Services
• 100 - 200 Employee

• Credit Risk Management

  • Jul 2018 - Aug 2019

  Credit Risk Analysis and Data Analysis. Responsible for Credit Risk, Policy Rules And score for Australia, New Zealand, Bulgaria and Brazil. All decisions made with strong data analysis. Credit Risk Analysis and Data Analysis. Responsible for Credit Risk, Policy Rules And score for Australia, New Zealand, Bulgaria and Brazil. All decisions made with strong data analysis.



Banco Original

• Brazil
• Banking
• 700 & Above Employee

• Statistical Modeling Analyst

  • Mar 2018 - Jul 2018

  Started the Company’s behavior credit score model. Started the Company’s behavior credit score model.



Riachuelo

• Brazil
• Retail
• 700 & Above Employee

• Business Intelligence Analyst

  • Apr 2017 - Mar 2018

  Data analysis with data mining in Business Intelligence area. Data analysis with data mining in Business Intelligence area.



banco BV

• Brazil
• Banking
• 700 & Above Employee

• Credit Risk Analyst

  • Aug 2013 - Apr 2015

  Analyst at credit risk team, working with Basel Accords. Responsible for generating RWAcpad.

• Intern

  • Apr 2012 - Jul 2013

  Intern at credit risk team, working with Basel Accords.



Itaú Unibanco

• Brazil
• Banking
• 700 & Above Employee

• Financial Planning Intern

  • Jul 2010 - Jul 2011