Experience

Galapagos Capital

• Brazil
• Investment Management
• 100 - 200 Employee

• Chief Risk Officer & Partner

  • Apr 2022 - Present



PagBank

• Brazil
• Financial Services
• 700 & Above Employee

• Director of Credit, Risk, Collecting and Modeling – PagSeguro

  • Aug 2020 - Apr 2022

  In charge of managing teams of market, credit, liquidity, operational and socio-environmental risk control, capital management, compliance, and internal controls, integrating with the credit, collecting and modeling teams, before the board. Its main activities are the integrated management of risks and their respective prudential reserves, the credit analysis, the collection processes and the development of analytical models that support the actions previous mentioned. In charge of managing teams of market, credit, liquidity, operational and socio-environmental risk control, capital management, compliance, and internal controls, integrating with the credit, collecting and modeling teams, before the board. Its main activities are the integrated management of risks and their respective prudential reserves, the credit analysis, the collection processes and the development of analytical models that support the actions previous mentioned.



Inter

• Brazil
• Financial Services
• 700 & Above Employee

• Director of Credit, Risk & Modeling

  • Jan 2019 - Jul 2020

  In charge of managing teams of market, credit, operational and socio-environmental risk control, before the Board and the Brazilian Central Bank. Management of the analytical model development team aimed at defining the quality of credit loaners, estimating income, fraud, marketing, capital markets and financial projections of return on capital. Responsible for the development and management of pre-approved credit lines and traditional credit analysis teams, operating in the individual and corporate markets. Show less



Safra

• Brazil
• Banking
• 700 & Above Employee

• General Superintendent

  • Mar 2017 - Jan 2019

  In charge of managing the team responsible for defining the commercial goals and the variable compensation programs for the Corporate Bank segment. Liaison Officer responsible for coordinating the commercial efforts in order to achieve the business objectives defined by the shareholder. Providing strategic intelligence to commercial, industry and product teams. Maximize results by researching and exploring opportunities to monetize assets under management and the optimization of the commercial base. Show less



Banco Original

• Brazil
• Banking
• 700 & Above Employee

• Risk Executive Superintendent at Banco Original

  • Aug 2015 - Mar 2017

  In charge of managing teams of credit, operational and market risk and correlated activities considering the best business practices and standards of the Basel Committee. Concentrate the development and validation of quantitative models to define the risk parameters and assets valuation, regulatory capital, economic capital and provision for expected loss. Manages and optimizes the financial return of the Company's assets using the RAROC application. Development of the first Brazilian full digital platform for the opening of banking accounts, integrating the various areas of expertise in only one process in order to achieve the Regulating Board´s requirements, keeping within the requirements of economy, technological innovation and customer experience, defined in the Institution's strategic plan. Show less

• Risk Superintendent at Banco Original

  • Apr 2013 - Aug 2015

  In charge of managing credit risk, high-risk liquidation credit provision and equity reserves, focusing on risk parameter and asset valuation quantitative modeling, the development of the allocated economic capital model and loan portfolio return optimization using the RAROC software application.



Itaú Unibanco

• Brazil
• Banking
• 700 & Above Employee

• General Risk Superintendent at Itaú Latam

  • 2010 - Apr 2013

  Responsible for management of credit, market and operating risks at Banco Itaú branches located in Latin America, providing oversight to local risk assessment teams, with the overall goals of maximizing the risk/return ratio of financial operations, reducing economic capital and liquidity requirements, optimizing credit provision and operational costs in the constant search for new business opportunities. Design of Itaú Latam’s Risk Intelligence team with the aim of taking advantage of regional opportunities for risk reduction measures and for enhancing financial return in these markets. These actions led to a 30% reduction in economic capital and a 40% reduction in the costs of credit provision. Implementation of decision-making and pricing methodologies risk-adjusted return on capital for loans in retail and corporate markets, including the development of financial forecast models and a set of calculation tools, and the establishment of decision-making committees and local team training systems. Development and management of the regional strategic plan for the branches’ risk management IT platforms aimed at operational cost and risk reduction, with the centralized data warehouse and treasury systems deserving special mention. Show less

• Credit Modeling Superintendent

  • 2007 - 2010

  Implementation of new income estimate models and methodologies, adding 45 million individuals to customer prospection databases in credit supply. Supervision of the team responsible for the development of mathematical optimization models, resulting in 20% per year tax savings and a 10% reduction in cash transportation costs between branches. Design and development of PD, EAD and LGD credit risk models for retail portfolios, in accordance with advanced Basel criteria and Brazilian Central Bank rules. Development of the risk-adjusted return on capital appraisal methodology for retail credit portfolios, which totaled BRL 40 billion in assets at the beginning of 2010. Show less

• Credit Policy Manager

  • 2001 - 2007

  Leader of the team in charge of defining pre-approved credit concession policies for retail and middle market companies using automated processes for the valuation of revenue estimates based on current account inflow/outflow and reciprocity. Development and implementation of analysis criteria for the acquisition of consigned credit portfolios, reaching a total of BRL 2 billion in loans securitized.



Itaú Unibanco

• Brazil
• Banking
• 700 & Above Employee

• Credit Trainee

  • 1997 - 2000

  Member of pilot project team to grant pre-approved lines of credit to companies with annual sales between BRL 10 and 50 million, offering a total of BRL 1.4 billion to 28,000 companies. Member of pilot project team to grant pre-approved lines of credit to companies with annual sales between BRL 10 and 50 million, offering a total of BRL 1.4 billion to 28,000 companies.



Banco Bradesco

• Brazil
• Banking
• 700 & Above Employee

• Senior Engineer

  • 1996 - 1997

  Participation in the Bradesco’s domestic growth strategy for self-service customer products, in Band B wireless telephony privatization bids and in the development of the new Bradesco logo. Participation in the Bradesco’s domestic growth strategy for self-service customer products, in Band B wireless telephony privatization bids and in the development of the new Bradesco logo.