Ricardo Ramos

Board member at FAPES BNDES
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Contact Information
us****@****om
(386) 825-5501
Location
Rio de Janeiro, Rio de Janeiro, Brazil, BR

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Experience

    • Brazil
    • Financial Services
    • 200 - 300 Employee
    • Board member
      • May 2023 - Present

      Membro eleito pelos participantes Membro eleito pelos participantes

    • Brazil
    • Food and Beverage Manufacturing
    • 700 & Above Employee
    • Board Member
      • May 2022 - Present

    • Brazil
    • IT Services and IT Consulting
    • 1 - 100 Employee
    • Investidor Anjo
      • Nov 2021 - Present

    • Brazil
    • Human Resources Services
    • 1 - 100 Employee
    • Mentor
      • Jul 2020 - Present

      Mentoring activity in management, culture and digital transformation Mentoring activity in management, culture and digital transformation

    • Brazil
    • Investment Banking
    • 1 - 100 Employee
    • Managing Partner
      • Apr 2021 - Jun 2022

    • Brazil
    • Banking
    • 700 & Above Employee
      • Apr 2019 - Apr 2021

      . Tutoring work for companies that participated in the BNDES Garage creation module. Relationship with FINTECHS and commercial banks in automatic indirect operations. Curatorial work of the BNDES platform (Canal MPME) to increase the number of connected FINTECHS offering credit and financial management

      • Jun 2016 - Mar 2019

      . Responsible for five different areas (Export Credit Finance, HR, IT, Digital andStrategy), managing a credit portfolio of U$ 60 billion and annual disbursementsof U$ 10 billion for SME´s (Small and Medium enterprises) and exporterscompanies.• Legal representative to the Central Bank of Brazil as Director responsible for agricultural programs operated by BNDES. Responsible for the digital transformation of BNDES´ processes. . Responsible, altogether with Roland Berger, for the implementation of thestrategic plan that prepares the bank to face Brazil's development challenges bythe year 2035.. Management of 750 professionals. Results.• Digitization of all processes of the automatic indirect operation (financing to MSMEs through commercial banks), increasing from 20% to 98% of the digitized processes, reducing the approval period, on average, from 10 days to 3 seconds, improving operational performance and customer experience. During this time, the platform “Canal MPME”, where SME´s can apply for funding directly to BNDES, was created.. • Cost reduction of U$ 30 million per year with organizational restructuring, space optimization and health plan management (we kept expenses constant in two years of industry inflation of 22% a.a.)• Negotiation with the participants and restructuring of the basic benefit plan with a deficit of U$ 450 milion• Execution of the biggest annual budget of the harvest plan until 2018 (U$ 4.5 billion in the year)• Execution of 12 strategic projects in 2018 (including BNDES Garage, digitization and structuring of the development and infrastructure projects areas), with an execution rate of 85% at the end of the year Show less

      • Apr 2008 - May 2016

      . Responsible for building and managing a credit portfolio of U$ 28 billion in thesectors of Urban Mobility, Sanitation, Education and Health among others(credit to states and municipalities).. Responsible for the negotiation with social ministries (Education, Health andCities), the Federal Public Ministry (MPF) and Federal Auditors (TCU and CGU)regarding financial products that were able to support public policies.. Management of 110 professionals (stable during all period and with significantproductivity gain)Results. Delivery of dramatic annual Social Area disbursements growth (from U$ 670million per year to U$ 7.3 billion per year in 8 years).• Development of financial structures capable of financing several PPP's in Brazil (Tram in Rio de Janeiro, hospital and school in BH and subway in Rio and São Paulo, among others) Show less

      • May 2006 - Apr 2008

      Coordinator of the Credit Committee.Responsible for coordinating the elaboration of credit risk assessment, and forthe elaboration of the respective rating methodologies.Responsible for collateral assessment and recovery of nonperforming loans.Management of 150 professionals. Results• In less than two years, the BNDES has gone from a company-specific risk classification methodology to four methodologies (companies, public sector, infrastructure and operations), improving the BNDES 'capacity to assess and price financing risk and assume any risks not previously measured• In 2006 and 2007, BNDES had a positive Provision for Loan Losses (PDD) account due to the large volume of credit recovery Show less

      • Dec 2004 - May 2006

      Responsible for proposing to the Credit Committee the frameworks for allBNDES financing operations (repayable and non-repayable), prioritizingoperations within the BNDES System.Management of 25 professionals

      • Jan 1997 - Dec 2004

      Export Financing Operations Manager focusing on Embraer aircraft exportfinancing. A portfolio of US $ 5 billion was built and financed through this period

      • Jan 1993 - Dec 1996

      Credit Operations Analyst for various sectors of the economy, with emphasis inthe sectors of tourism and shopping centers. I took part in structuring the newpolicy to support companies in shopping centers sector.

    • Brazil
    • Software Development
    • 1 - 100 Employee
    • Mentor
      • Jun 2019 - Oct 2019

      Mentor in the BNDES Garage Creation module Mentor in the BNDES Garage Creation module

    • Mentor
      • Jun 2019 - Oct 2019

      Mentor in the BNDES Garage Creation module Mentor in the BNDES Garage Creation module

    • Business Consulting and Services
    • 700 & Above Employee
    • Member Board Of Directors
      • Jul 2016 - Apr 2019

    • Brazil
    • Financial Services
    • 1 - 100 Employee
    • Senior Vice President
      • Nov 2016 - Feb 2017

    • Brazil
    • Financial Services
    • 200 - 300 Employee
    • Member Board Of Directors
      • Apr 2013 - May 2016

      Board member elected by BNDES employees Board member elected by BNDES employees

    • Brazil
    • Oil and Gas
    • 700 & Above Employee
    • Member Board Of Directors
      • Jan 2012 - Oct 2014

      Board member appointed out by BNDES Board member appointed out by BNDES

Education

  • Lancaster University
    Master of Business Administration - MBA, Organization Learning and Innovation
    2013 - 2015
  • COPPEAD UFRJ
    Master of Business Administration - MBA, Organization Change
    1991 - 1995
  • StartSe
    Executive Program, Business Administration
    2020 - 2020
  • Universidade Gama Filho
    Engineer, Mechanical Engineerin
    1986 - 1990

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