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**.

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.

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.

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.

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.

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.

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.

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.

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