Eric Prando Email & Phone Number

State Of São Paulo, Brazil

São Paulo, São Paulo, Brazil

• Responsible for the Banking department which includes Financial Products, Credit, Collections and Risk. Previously also responsible for Operations, legal and compliance;• Credit product development – Digital media, inventory purchase and recurrent revenue financing:o Development of underwriting, collections and portfolio management processes;o Creation of policies, sales and negotiation strategies, pricing;o Development of collateral structures using credit card receivables… Show more • Responsible for the Banking department which includes Financial Products, Credit, Collections and Risk. Previously also responsible for Operations, legal and compliance;• Credit product development – Digital media, inventory purchase and recurrent revenue financing:o Development of underwriting, collections and portfolio management processes;o Creation of policies, sales and negotiation strategies, pricing;o Development of collateral structures using credit card receivables and escrow accounts;• Achieved over R$ 100 million in loan issuances and managed a portfolio of R$ 35 million;• Market mapping and development of business plans for payments and additional collateral structures;• Data based credit model development using traditional and product specific sources;• Creation of portolfolio management tool set aimed at risk management and investor relations;• Negotiation and structuring of first company debt raising facility of USD 5.5 million;• Project management for the creation of a financial institution (SCD) and its approval with BACEN;• Hunting, hiring and management of team of 11 professionals. Show less

São Paulo, Brazil

Sao Paulo, Brazil

São Paulo Area, Brazil

Nexoos is a SME credit Marketplace that is revolutionising the brazilian credit market.• Responsible for Credit analysis, registry and risk departments, a team of 16;• Built a team to increase the credit analysis capacity to R$70 million in proposals per month;• Used data analysis process to improve the credit model and increased model confidence;• Reviewed the pricing model to better reflect payment behavior and increase commercial conversion by 15%;• Restructured the… Show more Nexoos is a SME credit Marketplace that is revolutionising the brazilian credit market.• Responsible for Credit analysis, registry and risk departments, a team of 16;• Built a team to increase the credit analysis capacity to R$70 million in proposals per month;• Used data analysis process to improve the credit model and increased model confidence;• Reviewed the pricing model to better reflect payment behavior and increase commercial conversion by 15%;• Restructured the credit analysis and formalization processes, increasing the assertiveness of the process by 30%. Show less

São Paulo Area, Brazil

YggBoard is a skill management service for companies that want to bring their employees up a level with individualized development paths and data driven decisions.- Created and iterated MVP and business model based on lean startup methodology - Responsible for product management and initial operation setting - Hired and managed team of 6 professionals for technology, sales and operations- Created data analytics processes aimed at guiding individual professional development-… Show more YggBoard is a skill management service for companies that want to bring their employees up a level with individualized development paths and data driven decisions.- Created and iterated MVP and business model based on lean startup methodology - Responsible for product management and initial operation setting - Hired and managed team of 6 professionals for technology, sales and operations- Created data analytics processes aimed at guiding individual professional development- Structured digital marketing and sales strategies to get first 4 paying customers- Accelerated by Startup Farm, Brazil Lab (public sector) and Future Education Show less

São Paulo Area, Brazil

Responsible for pricing, variable pay and MIS departments:- Reviewed the proprietary distribution channel strategy for annual savings of over R$ 3 million and increased sales in more than 15%- Updated the variable pay policy for the commercial staff, increasing the sale incentive potential and generating annual savings of over R$ 5 million- Redirected the bank's pricing strategy, increasing the pricing department independence for an average spread increase representing a yearly… Show more Responsible for pricing, variable pay and MIS departments:- Reviewed the proprietary distribution channel strategy for annual savings of over R$ 3 million and increased sales in more than 15%- Updated the variable pay policy for the commercial staff, increasing the sale incentive potential and generating annual savings of over R$ 5 million- Redirected the bank's pricing strategy, increasing the pricing department independence for an average spread increase representing a yearly revenue of R$ 120 million Show less

São Paulo Area, Brazil

Working for the Strategic Information department:- Created a forecasting tool used for strategic decision on growth, pricing and funding.- Conducted an analysis of the bank's results used to redefine the banking treasury strategy- Supported the analysis of the impact of new banking legislation on the bank portfolio

São Paulo Area, Brazil

Working for the bank´s strategic planning and business development department:- Developed the bank's first consolidated business model used in the strategic planning cycles and led the portfolio analysis that directed a turnaround process to reverse a one billion dollars loss in 2012 back to profitability;- Aggregated the responsibilities for the strategy of the commercial bank and treasury business units, and created a more integrated strategy focused on service revenues;-… Show more Working for the bank´s strategic planning and business development department:- Developed the bank's first consolidated business model used in the strategic planning cycles and led the portfolio analysis that directed a turnaround process to reverse a one billion dollars loss in 2012 back to profitability;- Aggregated the responsibilities for the strategy of the commercial bank and treasury business units, and created a more integrated strategy focused on service revenues;- Implemented regulatory capital and funding requirements calculation models to the strategy planning; allowing the exact calculation of business returns and leading to the termination of two business lines; - Provided support to the treasury in specific analysis, such as Securitization (priced two FIDC emissions worth three billion dollars), external partnerships and reviewed the bank's funding strategy, for a annual reduction in funding costs of around twenty million dollars;- Led the development of business plans for restructuring products in the consumer credit and home equity sectors. Show less

São Paulo Area, Brazil

Sell Side Mergers and acquisitions advisory:- Developed valuation models and sales pitches for five customers in various industries, including Construction, Poultry and Utilities;- Created investor pipeline and relationships to present opportunities and negotiated two firm offers for clients;- Developed industry studies on the Brazilian low income Real Estate sector and for the restructuring of the Bovespa access segment - Created business Proposals, contracts and sales… Show more Sell Side Mergers and acquisitions advisory:- Developed valuation models and sales pitches for five customers in various industries, including Construction, Poultry and Utilities;- Created investor pipeline and relationships to present opportunities and negotiated two firm offers for clients;- Developed industry studies on the Brazilian low income Real Estate sector and for the restructuring of the Bovespa access segment - Created business Proposals, contracts and sales materials- Selection, training and supervision of two analysts Show less

São Paulo Area, Brazil

Associate responsible for Structured Operations- Structured over 15 securitization deals with an issued volume of more than US$ 5 billion;- Coordinated structuring project groups, working with clients, lawyers, rating agencies, custodian banks, and the local regulator CVM; - Developed fund placement materials and participated on the road show;- Created banking business plans for three of the largest Brazilian corporations, got them approved by the banking authority (BACEN) and… Show more Associate responsible for Structured Operations- Structured over 15 securitization deals with an issued volume of more than US$ 5 billion;- Coordinated structuring project groups, working with clients, lawyers, rating agencies, custodian banks, and the local regulator CVM; - Developed fund placement materials and participated on the road show;- Created banking business plans for three of the largest Brazilian corporations, got them approved by the banking authority (BACEN) and consulted over the initial stages of their implementation. Show less

São Paulo Area, Brazil

Intern - Developed and edited monthly Carbon market newsletter- Analyzed and valued 12 investment opportunities in the Clean Tech and energy sectors- Enabled the Carbon consulting department through the calculation of carbon generation using UNFCCC approved methodologies

Master Of Business Administration (M.B.A.), Business Administration And Management, General

Activities and Societies: Participated in the Finance, Latin American Business and Digital Media and Entertainment Clubs; Reader.

Bachelor, Business, Finance, Enterpreneurship

Activities and Societies: FGV - Cepe - Centre for private Equity and Venture Capital Studies Field researcher for the first Brazilian PE.