I have over 20 years of experience in sales, managing and developing products and new businesses in Banking (Traditional and Digital), Cards (credit, debit, prepaid, voucher and acquiring) and Real Estate for both consumer and corporate segments. I have a proven experience as a Manager of multidisciplinary teams as well structuring the negotiation and implementation of new deals and products.Recently, I structured the retail channel for Trademaster by outlining the strategy for its operation, implementing a new B2B digital sales and relationship channel with initial conversion rates of 30% contact rate and 7% sales conversion, as well as structured large-scale negotiations. At Cateno, I was responsible for sales and products for major accounts such as Cielo's account with over 350k customers, and I also led the restructuring of the solution and channel through contract renegotiation with Conductor and existing client. At Banco Original, I was responsible for the entire bank's card solution (individual and corporate), which accounts for 50% of the retail bank's revenue. I promoted the financial turnaround of cards, making the operation profitable, launched new products such as PicPay, restructured the bank's loyalty program and developed / offered corporate products. At CETIP, I was responsible for the new line of new businesses and real estate solutions, establishing relationships with major accounts. I negotiated the entry of new banks into the portfolio and performed the first digital mortgage contract registration in Brazil. At Citi, I worked as a manager/leader, restructuring the Citi's real estate product team. In other experiences, I successfully developed customer activation solutions at Banco Votorantim, successfully implemented B2B solutions at American Express, and launched the Visa Vale product in the Brazilian market.------------------------------Skills: Digital Solutions, Agil Methodology, Price models e Business Case (CBAs), Working Model: Acquire, Issuer and Brand, Consumer and Corporate solution (B2B), Prepaid card segment and Voucher card solution, Mortgage Business &Savings Funding Management, Compliance & Business Control