Bruno Netto Email & Phone Number

São Paulo, Sp, Br

As the Director of Design and Product at Jeitto, I am responsible for driving cultural transformation, providing senior leadership to our product and design teams, and crafting and executing the company's product strategy in alignment with our business objectives. My role focuses on building a product-driven culture, ensuring our teams are empowered to innovate and deliver solutions that meet the needs of our underbanked CDE class customers.At Jeitto, a digital credit platform committed… Show more As the Director of Design and Product at Jeitto, I am responsible for driving cultural transformation, providing senior leadership to our product and design teams, and crafting and executing the company's product strategy in alignment with our business objectives. My role focuses on building a product-driven culture, ensuring our teams are empowered to innovate and deliver solutions that meet the needs of our underbanked CDE class customers.At Jeitto, a digital credit platform committed to serving those with limited access to financial services, I have been instrumental in expanding the product team 5 times the original size. I also played a key role in transforming the organizational model by introducing agile methodologies and a new organizational structure based on cross-functional teams, which significantly enhanced our efficiency and output.I also led the expansion of our product and technology teams, growing from 4 squads to over 10, allowing a more scalable product development. My efforts in redesigning key aspects of the product with operational failures led to a 75% reduction in contact rate.Beyond optimization, I spearheaded the launch of new products, such as entering the insurance market with credit insurance, and identified new revenue streams within our core credit offering. Additionally, I cultivated a research-driven culture, leading a comprehensive research project to deeply understand our customers' realities and informing our long-term product strategy. Show less

Led the payments business unit responsible for development and implementation of a state-of-the-art global payments platform for AB InBev's B2B and B2C marketplaces, including BEES (B2B) and platforms like Zé Delivery and TaDa (B2C), across 19 countries.Shifted focus from developing a local banking solution (BEES Bank) for SMBs in Brazil to a comprehensive global strategy, enhancing payment tools integrated with the checkout process to ensure seamless payment transactions.Drove the… Show more Led the payments business unit responsible for development and implementation of a state-of-the-art global payments platform for AB InBev's B2B and B2C marketplaces, including BEES (B2B) and platforms like Zé Delivery and TaDa (B2C), across 19 countries.Shifted focus from developing a local banking solution (BEES Bank) for SMBs in Brazil to a comprehensive global strategy, enhancing payment tools integrated with the checkout process to ensure seamless payment transactions.Drove the digitalization of payment processes across multiple countries in different regions ranging from Mexico and Latin American countries to South Africa, significantly improving the efficiency and success rate of credit-based payments, while supporting the expansion of digital solutions in emerging markets.Collaborated with cross-functional teams and stakeholders worldwide, aligning product strategies with the diverse needs of consumers and local business units. Show less

São Paulo, Brasil

BEES Bank was committed to make the life of small and medium entrepreneurs more fair and easier to thrive through easy access to banking solutions.Led senior management and product teams across multiple verticals, including Acquiring, Debit Cards, Payments, and Strategic Partnerships.Spearheaded product strategy and development, ensuring new product offerings and enhanced market penetration.

Tribe leader responsible for PR, loyalty and product teams. Spearheaded multiple product launches and business strategies that capitalized Credicard Zero growth from 100K to more than 1 million cards issued.- Product team responsible for developing features focused on engaging customers and lifting their card spending and retention and redesigning our credit models and creating a gamification product to allow more Brazilians expand their credit lines through financial… Show more Tribe leader responsible for PR, loyalty and product teams. Spearheaded multiple product launches and business strategies that capitalized Credicard Zero growth from 100K to more than 1 million cards issued.- Product team responsible for developing features focused on engaging customers and lifting their card spending and retention and redesigning our credit models and creating a gamification product to allow more Brazilians expand their credit lines through financial education.- Marketing team responsible for defining and implementing brand strategic plans (media, marketing campaigns, sponsorships, partnerships and PR). This team increased significantly Credicard brand awareness through PR, events and marketing campaigns. - Loyalty team responsible for incentive programs, activation campaigns and partnership negotiations for Credicard entire loyalty strategy. This team redesigned the loyalty strategy creating a marketplace solution for cashback in retail partners. We also launched a paid premium product responsible for Credicard Zero monetization strategy.Key product launches: Show less

São Paulo

Led a cross-functional team of 8 professionals, driving initiatives across Credicard credit card products, focusing on customer engagement, credit modeling optimization, and retention strategies.Spearheaded a market share growth strategy by:- Revising credit policies to improve credit access and credit limit increase, optimizing risk and return;- Developing a tailored product fit model for the entire customer base increasing product match in terms of pricing and value… Show more Led a cross-functional team of 8 professionals, driving initiatives across Credicard credit card products, focusing on customer engagement, credit modeling optimization, and retention strategies.Spearheaded a market share growth strategy by:- Revising credit policies to improve credit access and credit limit increase, optimizing risk and return;- Developing a tailored product fit model for the entire customer base increasing product match in terms of pricing and value proposition- Redesigning the retention approach, which resulted in a significant reduction in churn rate.Designed and launched a successful loyalty cashback program, which effectively increased customer spending and enhanced overall engagement with the product.Oversaw P&L analysis and management, ensuring that financial performance aligned with strategic business objectives.Co-led the carve-out of Credicard, supporting the transition to agile methodologies across all Credicard teams and establishing an independent BU from Itaú structure. Show less

Led a multidisciplinary squad focused on enhancing the user experience (UX) of payment authorizations, coordinating efforts across various teams including credit, fraud prevention, marketing, data analytics, and operations.Conducted in-depth customer interviews to gain valuable insights into user needs and pain points, which informed the comprehensive redesign of the payment journey.Redesigned the end-to-end payment journey, integrating feedback and cross-functional expertise to create… Show more Led a multidisciplinary squad focused on enhancing the user experience (UX) of payment authorizations, coordinating efforts across various teams including credit, fraud prevention, marketing, data analytics, and operations.Conducted in-depth customer interviews to gain valuable insights into user needs and pain points, which informed the comprehensive redesign of the payment journey.Redesigned the end-to-end payment journey, integrating feedback and cross-functional expertise to create a more seamless and intuitive experience for customers.Significantly increased payment revenues and improved Net Promoter Score (NPS) by delivering a user-centric solution that met both customer expectations and business objectives. Show less

Led the cross-selling strategy across multiple ad ons features of credit card products by designing and executing a sales and targeting plan, enhancing the adoption of paid features.Managed end-to-end Profit & Loss (P&L) statements and key operational KPIs to ensure alignment with business objectives.Monitored and optimized operational performance, ensuring that all initiatives met or exceeded financial and strategic goals.

The Trainee program at Itaú Unibanco is a career acceleration initiative designed to fast-track the development of high-potential professionals. This comprehensive program combines rigorous coursework, hands-on job assignments, and interactive seminars, all aimed at equipping participants with advanced technical, managerial, and business skills.Guided by senior executives and experienced mentors, the program is deeply committed to developing future leaders. Throughout the program… Show more The Trainee program at Itaú Unibanco is a career acceleration initiative designed to fast-track the development of high-potential professionals. This comprehensive program combines rigorous coursework, hands-on job assignments, and interactive seminars, all aimed at equipping participants with advanced technical, managerial, and business skills.Guided by senior executives and experienced mentors, the program is deeply committed to developing future leaders. Throughout the program, trainees engage in a variety of strategic projects, gaining exposure to different areas of the bank and building a robust understanding of the financial industry. Show less

Managed the pricing strategy for the Merchant Discount Rate (MDR) specifically for point-of-sale (POS) terminals that process credit and debit card transactions.Developed and implemented multiple pricing models aimed at optimizing revenue from POS terminal services, which contributed to increased sales and enhanced the company's competitive position in the market.Collaborated with cross-functional teams to analyze market trends, customer behavior, and competitive offerings, providing… Show more Managed the pricing strategy for the Merchant Discount Rate (MDR) specifically for point-of-sale (POS) terminals that process credit and debit card transactions.Developed and implemented multiple pricing models aimed at optimizing revenue from POS terminal services, which contributed to increased sales and enhanced the company's competitive position in the market.Collaborated with cross-functional teams to analyze market trends, customer behavior, and competitive offerings, providing data-driven insights that shaped strategic pricing decisions for the POS segment. Show less

Toronto, Canada Area

The project aimed at implementing the Black-Litterman model, a sophisticated approach that blends modern portfolio theory with insights from Bayesian statistics, to optimize risk-adjusted returns in investment portfolios.The focus of the research was to address the limitations of traditional mean-variance optimization by incorporating subjective views on expected returns and enhancing the stability of portfolio weights. I developed a comprehensive framework that integrates these views… Show more The project aimed at implementing the Black-Litterman model, a sophisticated approach that blends modern portfolio theory with insights from Bayesian statistics, to optimize risk-adjusted returns in investment portfolios.The focus of the research was to address the limitations of traditional mean-variance optimization by incorporating subjective views on expected returns and enhancing the stability of portfolio weights. I developed a comprehensive framework that integrates these views into the Black-Litterman model, enabling more accurate and tailored investment strategies.Throughout the project, I conducted extensive simulations and back-testing using real market data to validate the model's effectiveness. The results demonstrated improved portfolio performance, particularly in scenarios of uncertain market conditions, proving the model's potential in practical investment management. Show less

Engenharia De Produção

Financial Engineering, Fully Funded Scholarship As An Exchange Student