Fernando Ruiz Email & Phone Number

São Paulo, São Paulo, Brasil

Como um Gerente Comercial e de Contas com vasta experiência no mercado financeiro, procuro mostrar estratégias que garantam o alinhamento das soluções oferecidas com as necessidades específicas do setor. Minha atuação inclui a gestão de produtos como **Application Management Services (AMS)**, **Consultoria & Projetos**, **Outsourcing de TI**, **Desenvolvimento de Aplicações**, e **Soluções & ADD-ONs**, sempre com o objetivo de maximizar a eficiência operacional e a inovação tecnológica para nossos clientes. Com uma abordagem focada em resultados e atendimento personalizado, busco não apenas atender, mas superar as expectativas dos nossos parceiros, promovendo o crescimento e a sustentabilidade dos negócios através de soluções tecnológicas robustas e adaptáveis.

São Paulo, São Paulo, Brasil

Ao longo dos últimos 13 anos, forneço consultoria regularmente para grandes bureaux de crédito, empresas de Private Equity, Boutiques de M&A e Valuation, e instituições financeiras. Analisando as demandas específicas desses setores e oferecemos planos de negócios e expansão comercial, soluções digitais inovadoras que abrangem sistemas de análise de crédito, credit score, colletion score, modelos de Finanças Corporativas e Projeção Financeira Integradas. Com expertise atender às necessidades específicas dessas indústrias, fornecendo soluções avançadas para melhorar sua eficiência e resultados.

São Paulo, São Paulo, Brazil

Responsible for the Credit and Collection area, in credit I worked on the reformulation of the credit policy, renewal and implementation of a new more assertive hybrid credit score model for companies, creation of management and automatic monitoring of virtual limits of revolving credit for companies, creation and implementation of payment score. In billing creation and implementation of a billing rule with a strong presence in pre-preventive and preventive billing. Collection follow-up with market metrics with FPD (first payment default), over 30, 60, 90, low side over-ride, high side over-rides and loss. Planning and start of construction of FIDC Finove.

São Paulo, Brazil

Responsible for Group Finance with Bacen. I worked in the creation, planning and development of the entire structure of the Direct Credit Society of Grupo Listo. In Credit, Risk, Formalization, Billing, Digital Account and FIDC. Expertise in the design and follow-up with the development team of the Front-End platforms, Credit System, Credit Mat, Credit Score, Formalization System, Formalization Mat, Billing, SPB, Digital Platform (Net. and App), PIX and finance in the structuring of the FIDC.

São Paulo Area, Brazil

Former BICBANCO - Sul Financeira. How Credit executive, only retail operations (Credit Vehicle, Payroll, Credit Cards, Personal Loans and CDC Retail), after deep portfolio existing applied new credit policy analysis for all products having greater adherence to the market (niche ) of financial performance with also gain liquides of operations due to risk mitigation. Development of a decision-making matrix credit automating credit responses in 60% in the CDC Vehicles, 90% Payroll and 100% on Credit Card. partners classification model application rating Stores, Dealers and Correspondent Banking. Member of the Financial Strategic Planning Committees.

São Paulo Area, Brazil

With the entire management team of the bank's retail credit, around 250 employees, was developed working with the implementation of new process credit cdc vehicles (cars, motorcycles and trucks) to reduce levels of bad debts and improved response time to trading partners. Training to bigger and better team performance with the introduction of a new philosophy of care with more areas of convergence between the bank and thus develop a greater synergy. Definition of operating system and process of credit analysis, model scoring systems, consultation, consultation and monitoring of electronic credit routines. Contingency Plan for operation in the commercial and support staff training and commercial credit.

São Paulo Area, Brazil

Responsible for developing the system of credit analysis for the bank, structuring, hiring and training team credit analysis for the product, making the credit policy of the proceeds of the credit treadmill. In partnership with the development of the commercial team capture system proposals, implementation of new tools and technologies with credit analysis and score, TAN, SIEVE among others. In the segment of public and private payroll loans, restructuring of the team developing a new credit policy bolder and better systems for increased performance and improved with the implementation of automatic analysis. In segments of cards, developer of the credit policy for the public payroll cards and payroll card private private label, World Tennis, cash back, and aims to Matrix Network. Implementation of analysis tools for automatic credit products with artificial neural system associated with the decision score developed with analysis of backtest to the organs of credit protection. Together with Network Array, a network of correspondent banking Sofisa, restructuring of credit limits for agencies and the development and requests for collateral.

São Paulo Area, Brazil

Evaluation of management reports and default rates and scrolling on the concepts of coincident and lagged, monitoring pdd, fpd, low side and high side. Responsible for projects relating to standards, procedures and policies, evaluation and change processes and operating procedures. Responsible for all credit analysis of the northeastern and eastern Brazil, the CDC credit and leasing of the HSBC branch network nationally and restructuring processes for reviewing credit payments and contracts for every unit Auto Finance.

São Paulo Area, Brazil

Responsible for analysis of two cells, guiding the ECI (School Credit Itaucred). One of those responsible for monitoring and developing the new system of credit analysis Itaucred, CCI and developers of the system of reception and examination of proposals submitted via the net.

São Paulo Area, Brazil

Responsible for credit analysis agency, an area in cdc products (pre-and post-fixed) and leasing (pre and exchange variation). Restructuring of three areas of the branch with a 45% increase in production.

São Paulo Area, Brazil

Responsible for the control and spreadsheet applications and assistant direct the Agency's General Manager.

Mba, Management And Business Banking

Postgraduate Degree, Controlling

Graduação, Business Administration, Management And Operations

1º E 2º Grau