Experience

Return-Capital

• Brazil
• Investment Management
• 1 - 100 Employee

• • Dec 2021 - Present

  NPL Portfolio, Strategies and Models Management. Data driven decisions.

• • Jan 2021 - Dec 2021

  Collection models and strategies for NPL portfolios.



IBGE

• Brazil
• Government Administration
• 300 - 400 Employee

• Census Analyst - Quantitative Methods

  • Jan 2020 - Dec 2020

  - preparation for quality assurance on Census; - support for technical review of both sample and basic Census surveys; - execute previous tests for 2021 Census on technical aspects (presential and internet surveys, related reports); - support for training and operational teams. Support on team presentations. - preparation for quality assurance on Census; - support for technical review of both sample and basic Census surveys; - execute previous tests for 2021 Census on technical aspects (presential and internet surveys, related reports); - support for training and operational teams. Support on team presentations.



ATRIOS Serviços de Cobrança Ltda

• Credit and Collection Consultant

  • Aug 2017 - Dec 2019

  - credit risk analysis (business retail portfolio); - cash flow management; - operational processes (documents preparation, collection, system updates...). - credit risk analysis (business retail portfolio); - cash flow management; - operational processes (documents preparation, collection, system updates...).



UNIVESP

• Higher Education
• 100 - 200 Employee

• Distance Learning Mediator

  • Jul 2018 - Jul 2019

  - Mediate the learning process for graduate students (Math and Computational Engineering); - Mentoring of integrated projects; - Review/correct tests and exercises; - interface with coleagues, teachers and supervisors. - Mediate the learning process for graduate students (Math and Computational Engineering); - Mentoring of integrated projects; - Review/correct tests and exercises; - interface with coleagues, teachers and supervisors.



AlphaSights

• United Kingdom
• Information Services
• 700 & Above Employee

• Credit Risk Consultant

  • Sep 2017 - Sep 2017

  One interaction about Credit Risk (general concepts, criterias for good/bad loans, PD, EAD, LGD) One interaction about Credit Risk (general concepts, criterias for good/bad loans, PD, EAD, LGD)



Grupo Santander Brasil

• Credit Risk Manager

  • Apr 2012 - Apr 2015

  Business Retail Portfolio - Credit Models and Strategies (until Nov-13) - Management of credit risk models including origination and behavior scores; new models proposition and design; Interaction with Santander Analytics and implementation teams. Tools for customer risk evaluation. People management: team of two analysts and one intern. Business Retail Portfolio - Product Management (Overdraft, Credit Card and Guaranteed Accounts) (until Apr-15) - Credit policies for origination and behaviour on product lifecycle; vintage forecasting, portfolio management. People management: team of 3 analysts. Show less



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• Credit Strategies Specialist

  • Jul 2009 - Mar 2012

  - Credit strategies for origination in retail portfolios (Personal Loans, Overdraft, Business, Mortgage, Cards), including Risk-Based Pricing; - Strategies for transaction authorizations (overlimits, bounced checks, ...); - Support on Statistics for comparing samples and test results; - Interface with Credit Risk Modelling Team; - Support and validation for systems implementation. - Credit strategies for origination in retail portfolios (Personal Loans, Overdraft, Business, Mortgage, Cards), including Risk-Based Pricing; - Strategies for transaction authorizations (overlimits, bounced checks, ...); - Support on Statistics for comparing samples and test results; - Interface with Credit Risk Modelling Team; - Support and validation for systems implementation.

• • May 2008 - Jun 2009

  - Coordinate a team of 2-3 analysts in studies for credit risk strategies (personal loans/overdraft);- Credit risk strategies definition and support for implementation;- Support for executive reports (Brazil and Spain);- risk process and policy mapping on bank integration (Real ABN Amro x Santander).

• • Jul 2004 - Apr 2008

  - Strategies optmization for profitability;- Credit risk modelling (credit / behaviour scoring);- Credit risk strategies for retail portfolio (personal loans).



GVI Promotora

• Brazil
• Investment Management

• Modelling Consultant

  • Sep 2007 - Dec 2007

  Consulting on credit score modeling for a financial institution, including training, discussion about credit workflow and best practices on developing credit risk models. Consulting on credit score modeling for a financial institution, including training, discussion about credit workflow and best practices on developing credit risk models.



BM&F Educacional

• Teacher assistant - MBA Derivativos

  • Jun 2004 - Jun 2006

  Teacher assistant - MBA Derivativos. Subjects: Statistics 2 and Linear Regression Topics. Prepare review and exercises classes for MBA Students. Teacher assistant - MBA Derivativos. Subjects: Statistics 2 and Linear Regression Topics. Prepare review and exercises classes for MBA Students.



IPT (Instituto de Pesquisas Tecnológicas do Estado de São Paulo)

• Brazil
• Research Services
• 1 - 100 Employee

• • Jan 2003 - Jun 2004

  - forecast models for utility demands (water, gas);- sample design;- data organization and reports.

• • Oct 2002 - Jan 2003

  - Forecast of utility demands (water, gas);- database organization;- reports and model documentation.



CNPq - Conselho Nacional de Desenvolvimento Científico e Tecnológico

• Government Administration
• 700 & Above Employee

• Scholarship Student

  • Feb 2001 - Jun 2002

  CNPq Pibic Scholarship. Teacher advisor: Prof Dr Lucia Pereira Barroso, IME-USP. Subject: Imputation for Categorized Data. Research on classification models (discriminant analysis, logistic regression, neural networks, classification trees). Honorable mentions at SINAPE 2002 (Simpósio Nacional de Probabilidade e Estatística) and SIICUSP 2002 (Simpósio Internacional de Iniciação Científica da USP). CNPq Pibic Scholarship. Teacher advisor: Prof Dr Lucia Pereira Barroso, IME-USP. Subject: Imputation for Categorized Data. Research on classification models (discriminant analysis, logistic regression, neural networks, classification trees). Honorable mentions at SINAPE 2002 (Simpósio Nacional de Probabilidade e Estatística) and SIICUSP 2002 (Simpósio Internacional de Iniciação Científica da USP).


Edusp
• Brazil
• Book and Periodical Publishing
• 1 - 100 Employee
• Intern - Sales Department

  • Dec 1998 - Dec 2000