André Carréra Fernandes Email & Phone Number

State Of Paraná, Brazil

Miami , Florida, Us

• Consulted on embedded finance and Digital Transformation projects for Investment Management, Digital Assets, and Marketplace clients, ensuring strategic alignment.• Led the design of product requirements for a credit project with a Digital Assets company, integrating with BaaS providers and navigating regulatory compliance.• Outlined the project for re-launching a BNPL credit product for a large retailer, focusing on consumer credit access and maximizing customer adoption rates.

• Founded Hera, a fintech startup in Brazil focused on democratizing credit access for the underbanked population.• Developed innovative Pix-based credit solutions for merchants and consumers, simplifying the credit process.• Led the strategic direction of Hera to offer interest-bearing payment plans and flexible installment options.• Designed and implemented the backend service architecture, including invoice management, Pix integration, customer onboarding workflows, and risk management systems, ensuring a scalable and secure infrastructure.

Bogota, Dc, Co

• Led cross-functional teams to refine BNPL offering, optimizing conversion rates and introducing new features.• Launched interest-bearing options and longer-term payment plans, expanding product suite and improving LTV.• Collaborated with sales teams to align merchant acquisition efforts with target population and high-value verticals.

Bogota, Dc, Co

• Led checkout integration and onboarding for Addi's BNPL solution, optimizing customer journey across e-commerce and in-store environments.• Conducted in-depth research on conversion metrics to enhance user experience and boost checkout success rates.• Collaborated with cross-functional teams to develop features improving onboarding flows and enhancing security.• Drove key product enhancements by implementing strategies for improving in-store BNPL journeys.

Curitiba, Pr, Br

• Led product management for EBANX Brazil, overseeing local payments, e-commerce integration, and Pix for Cross Border Payments.• Managed a 3 division Product and Engineering team, focusing on Digital Account, BaaS, and E-commerce payments.• Successfully shut down unprofitable POS initiative, aligning with company strategy.

Curitiba, Paraná, Br

• Led Sales, Risk, Ops, and Marketing teams during M&A process with EBANX at Juno, achieving successful integration and growth.• Directed a 40+ member product and engineering team, driving innovation and product improvements.• Led the Small Business Digital Account growth team, implementing specific OKRs and data strategies for new business opportunities.

Curitiba, Paraná, Br

• Led Pix direct participant process application, resulting in a successful partnership with EBANX for early launch of services to Uber in the Instant Payments system.• Realigned company strategy and led multiple cross-functional teams, contributing to Juno becoming a regulated entity by the Brazilian Central Bank.• Consolidated team growth, now managing 2 managers and 11 team members, implementing OKRs and Performance Cycles.

Curitiba, Paraná, Br

• Led the building of the product team at Juno, starting with 2.5 product managers and 3 designers.• Organized project and initiatives reporting, prioritization, and alignment with cross-functional teams.• Successfully launched a mobile app and revamped brand migration initiatives for Juno.

Curitiba, Pr, Br

• Led the design and implementation of a high-performance Matching Engine for Wuzu Exchange, utilizing Rust for optimized scalability and low-latency processing. Designed with a microservices architecture to ensure seamless integration and modular flexibility.• Developed an advanced Software as a Service (SaaS) platform for cryptocurrency and security-token exchanges, using C#/.NET for backend infrastructure and React/TypeScript for responsive, scalable front-end interfaces.• Engineered a custom Python-based wallet solution for institutional-grade private key management, integrating blockchain networks with cold-signing capabilities to enhance security in digital asset custody.• Optimized the trading platform's architecture to support quantitative trading strategies, leveraging containers, Kubernetes, and ZeroMQ for high-speed data processing and reliable system performance in fast-moving market environments.

• Pioneered quantitative-based automated trading strategies in the emerging cryptocurrency market, focusing on cross-border arbitrage and derivatives market making.• Developed a robust infrastructure using Python, RabbitMQ messaging, and MongoDB for trading operations, achieving over 38% profits (USD terms, Market neutral) in 10 months.• Led trading in the most liquid Cryptocurrency product at the time, responsible for almost 10% of the volume in volatile periods.

Lisbon, Lisbon, Pt

• Led the integration of electronic trading infrastructure with broker-dealers, increasing low touch trading revenue by over half.• Implemented provider solution change from Fidessa to Bloomberg SSEOMS, reducing costs and enhancing functionalities.• Overcame challenges in integrating cross border FX solutions, resulting in daily orders from over 10 emerging markets.

Br

• Developed new electronic trading platform at Espirito Santo Investment Bank, cutting over 60% of trading software costs.• Implemented first Co-located FIX connection for a hedge fund, responsible for over 20% of trading activity on the most traded ETF.• Established standards and procedures for onboarding new electronic trading clients through direct connectivity and DMA solutions.

Br

• Developed trading strategies for Single Stock Options and Equity Index Options, pitching hedging and alpha generating ideas for institutional investors.• Conducted quantitative research and sales trading activities for local and international investors.• Implemented controls for tracking stock lending market data and generating reports on auxiliary indicative data.

Economics

Bachelors, International Relations

High School