Adriano Silverio Email and Phone Number

FP&A:• Led my team in the Strategic Planning and Budgeting process for Banco BV's products with a credit portfolio exceeding R$ 40 billion, covering Vehicle Financing, Insurance, and Solar Panels. Guided my team to implement several process improvements, resulting in increased forecast accuracy and reduced budget preparation time.• Prepared projections and monitored the actual performance of essential product KPIs, including CAC (Customer Acquisition Cost), LTV (Customer Lifetime Value), Contribution Margin, Profit, and Accounting ROE, among others.• Presented results and reports in C-Level committees, ensuring strategic alignment and sharing strategies to address deviations through action plans developed in collaboration with commercial planning and credit areas.• Enhanced the Vehicle Prospective ROE model, significantly increasing its accuracy. This improved model was crucial for coherent pricing and effective risk control of the product, leading to safer and more profitable decisions.• Developed Studies, Business Cases, and Valuation of new initiatives for decision-making by Senior Management.Business Analytics:• In 2022, led my Analytics team in automating critical processes in SQL and Excel, creating 10 online dashboards in PowerBI that replaced manual work and PowerPoint presentations. This transformation ensured always up-to-date and accessible data. The dashboards began to be used in C-Level committees, making meetings more dynamic and efficient, with real-time information.• Coordinated the strategic planning process improvement project at Banco BV with Bain consultancy, resulting in time reduction, task automation, error minimization, and increased data security.

• Defined pricing strategies based on customer profile, behavior, costs, competitive analysis, supply and demand curve, and campaigns, ensuring better positioning of the bank and superior results.• Monitored and analyzed competitors' actions, adjusting product pricing as necessary.• Conducted profitability studies of vehicle contracts from various perspectives, such as region, asset age, and customer risk. Strategic actions were taken to prioritize higher profitability or volume, according to the current strategy.• Conducted campaigns and new initiatives with rigorous monitoring through A/B testing, enabling data-driven decisions for result optimization.• Developed and implemented the "Price by Risk" pricing tool, resulting in a 3-percentage point increase in market share in just 6 months, leading the company to market leadership.• During my tenure, I conducted a complete mapping of activities and reviewed pricing processes, identifying the need to change a software used, reducing the operational load of the team and allowing more time for strategic activities.

New Businesses:• Developed business cases, financial modeling, and valuations for new products and partnerships, evaluating over 25 new products or partners, some of which were acquired. Actively participated in meetings with partners to discuss business assumptions and rationales. Presented studies and valuations in committees, resulting in the approval and investment in several proposals, whose development I then monitored.• Notable participation in the creation and development of the solar panel financing product at Banco BV, which grew from zero to R$ 4 billion in 6 years until 2022.FP&A Loans:• Regarding FP&A Loans, activities were similar to the experience described above as FP&A Manager but focused on other products, including private payroll-deductible loans, vehicle-backed loans (EVG), personal loans (CP), and synergy of all these products with the Digital Bank.

• Profitability analysis and deviation monitoring: actual vs. budgeted. Preparation of Studies and Business Cases.• Actively participated in the creation of the RAC system (Analytical Profitability by Contract), providing an unprecedented analytical view for Banco's financing products. This allowed detailed cluster studies and store repositioning actions, resulting in the closure of less profitable stores and the repositioning of others.

• Performed audit procedures according to PwC's methodology to ensure clients' assets/liabilities and income statements were properly recorded and evaluated.