Ana Karolina Santa Maria Galaverna Email & Phone Number

Claymont, De, Us

Supervision of a team responsible for continuously developing and enhancing policies and controls to detect/prevent fraud on Ecommerce sales.Providing support in designing and delivering KPIs, dashboards and analyses to monitor and improve performance.Liason with key members of internal teams to support and attain goals related to fraud mitigation.

São Paulo Area, Brazil

Managed a team responsible for monitoring and improving the current lending strategies for the main Consumer Finance products: car loan for consumer and business customers, motorbike loan and renegotiation.On a monthly basis presented to the Credit Committee more efficient strategies to decrease default rates whereas keeping the approval rate at the same level.Engaged regularly with the customer face team to present new credit risk policies.Liased with senior leadership regularly to present findings and to request approval for new strategies.

Supervised the development of new income estimation models and strategies responsible for significantly increasing credit rentability.Set new strategies for personal customers income probation, focusing on simplifying existing processes, reducing operational time and improving the customer experience.Engaged regularly with the customer-face team to present new policies regarding income probation and validation.Liaised with senior leadership regularly to present findings and request approval for new strategies.

Led more than 5 scorecard development projects for Santander Bank subsidiaries in Brazil and Mexico.Liaised with cross-functional teams to plan and develop vendor models by credit bureau.Communicated with external partners, such as credit bureaus and modeling consultants, ensuring analytical requirements according to global methodologies.Offered guidance and recommendations through data from a predictive modeling perspective.

Used SAS E-Guide and Sql programming to manipulate and analyze large data sets.Developed and monitored a wide range of scorecards across the entire lifecycle (origination, behavior and collection score) for various of retail products of Santander Brazil and some Latin American subsidiaries such as Argentina, Chile and Mexico.Provided documentation for the development and implementation of credit risk models.Interacted with the credit bureau to understand variables and build origination models.Participated in a three-month international program for high performance employees in 2011 - Goal: learn the Santander UK scorecard methodology and share knowledge about Brazilian’s practices related to scorecard developments.

Curso De Extensão, Finanças Corporativas

Bachelor'S Degree, Statistics