Investor at Agropecuária Mirante

Responsible for Consumer Operations FP&A.

Responsible for Distressed Assets Valuation and Securitization at Itaú Unibanco. Managed FP&A process for Recovery S.A.

Led Recovery Integration Project, as part of the company post M&A process.

Coordinated implementation projects related initiatives, such as credit card authorizations improvements, credit lines life cycle maintenance optimization, new customer acquisition strategies and others.

Managed Credit Cycle and Fraud Prevention for the portfolio, direct responsibility for Net Credit Losses (NCL) and Net Fraud Losses (NFL) P&L lines.Implemented new authorization strategy, increasing overlimit transactions volume and escalating profitability.Lowered the NFL levels, generating a significant budget savings.

Managed credit acquisition and maintenance policies for open-end line products, such as revolving and cards.Implemented revolving credit lines initiatives, that lowered portfolio Net Credit Losses.Developed clustered strategy for cards maintenance, leading more accuracy on credit line assignments.

Senior Consultant, responsible for Renner Cards Project at Porto Alegre, RS.

Managed External Collections Channel, direct responsibility for 1/4 of the BR Company's EBITDA.Implemented collection strategies, using analytics and portfolio clustering, focusing on increasing channel scalability and profitability.Reengineered commissions and variable compensation models, ensuring higher levels of agencies engagement .

Developed and implemented a strategic company turn around plan, focused on risk, fraud and operation areas.Implemented new score models (acquisition, maintenance & collection), increasing accuracy on credit and collections policies decisions.Implemented new credit decision flows and tools, enabling time-to-market on lending decisions.Disseminated a "goal driven culture" on agencies, with weekly aggressive variable compensation to collectors.As a result of the action plan, NCL decreased by 1/2 and Gross Credit Margin increased >2x in a 3-year window.

Implemented Basel II Project at Citi Retail, developing and managing initiatives across the businesses.Acted as Citi representative at FEBRABAN (BR Banks Association) and in Bacen (BR Banks Regulator) meetings.Brazilian implementation has become a model that helped the roll out at other LATAM countries.

Developed credit policies and implemented score models for low income public lending.Structured credit line backed-up by receivables for Corporate Customers.

Developed credit reports for recommendations on action plans to Corporate Risk Exposures.Developed sectorial analysis to support decisions on expanding/reducing exposure on specific economy segments.

Implemented MIS reports for credit initiation, portfolio management and fraud areas.Developed collections strategies based on Operations MIS reports analysis.

Worked at the salesforce and marketing (pharmaceutical industry).

Worked as the accounting assistant (agroindustry segment).