Gustavo C. Email & Phone Number

Pioneering Transformations at the Edge. As a strategic orchestrator of change, I traverse the confluence of fintech, AI, and hardcore tech, sculpting a path towards unforeseen possibilities. My purpose lies in propelling innovation beyond the horizon, igniting sparks that drive industry revolutions. While my endeavors remain cloaked in anticipation, those who share my vision can glimpse the threads of transformation we weave. The countdown has begun to seize the future – will you join me?

São Paulo, Sp, Br

. Co-founded and acted as CEO of VirtusPay, leading one of Brazil's leading Buy Now Pay Later (BNPL) platforms that achieved +R$ 1 billion in credit requests in 2021, whilst displaying a profound commitment to driving financial inclusion and empowering low-income individuals.. Spearheaded the development of responsible financing solutions that enabled over 120 thousand low-income individuals to access essential goods, such as fridges, ovens, mobile phones, and more, improving their quality of life and supporting their well-being.. Drove the company to achieve a revenue of R$30 million in 2021, while effectively managing customer marketing acquisition costs of R$21 million. . Secured over R$130 million in debt and equity financing.. Established strong relationships, instilling confidence among executives, partners, and the workforce, fostering a culture of innovation and collaboration.. Developed and implemented a Values Commitment Agreement among the founders, shaping the core values and goals of the company.. Led a hiring process that assessed candidates' alignment with the company's values, resulting in a team that embodied the shared vision.. Encouraged a culture of open communication and idea-sharing, conducting regular meetings where everyone could contribute and address challenges collectively.. Promoted one-on-one meetings with employees, providing a platform for personal growth and fostering a sense of belonging within the organization.. Implemented a data-driven culture by fostering events with experts in the field, including Ricardo Cappra, and driving the adoption of data analytics across the organization.. Led the implementation of complex algorithms, resulting in a predictive credit machine learning engine that reduced reliance on traditional credit bureaus for 75% of credit score algorithm responses.. Demonstrated resilience and ethical decision-making during a liquidity crisis, guiding the company through challenging times.

São Paulo, Sp, Br

. Co-founded and played a pivotal role in shaping the visionary concept of 99, a pioneering ridesharing platform, demonstrating exceptional leadership in the nascent market.. Key role 1: Assembled a diversified and dynamic founding team, consisting of influential visionaries and innovators from different industries, fostering a culture of creativity and collaboration from the very beginning.. Key role 2: Led the groundbreaking initiative to attract cab drivers to adopt the 99 platform, displaying remarkable creativity and resourcefulness in overcoming challenges in a technology-limited environment.. Persuaded cab drivers to invest in acquiring mobile phones equipped with data plans to access the app, revolutionizing the ridesharing landscape, in a moment when those costs were significant. . Successfully convinced cab drivers to keep the 99 app active, even during the platform's initial stages when passenger availability was limited, showcasing tenacity and persuasive skills.. Instrumental in building trust and credibility with cab drivers, laying the foundation for a strong and loyal driver-partner community, which became a cornerstone of 99's success.. Displayed entrepreneurial spirit, navigating hurdles and contributing to the development of a revolutionary platform that later became an iconic Brazilian unicorn.

São Paulo, São Paulo, Br

Rio De Janeiro, Rj, Br

. Led the Web Channels and Financial Planning Divisions at B2W Digital's Submarino Finance and Digital Finance Subsidiaries, driving the division's participation in new credit cards issued from 8% to 16% within the last 6 months of 2014.. Managed the P&L of both Subsidiaries (BRL 250MM Revenues) and improved the Subsidiaries' cashflow by an estimated 10%, implementing a more efficient financial investments revenues tax collection method.. Led a project of launching/structuring two co-branded MasterCard Credit Cards from B2W Digital: Americanas.com and Shoptime, achieving an overall 135% of the main targets: Outstandings, New Accounts, and Sales Production.

Barcelona, Barcelona, Es

. Pursued an MBA at IESE Business School, focusing on developing analytical skills, market planning, marketing, sales, accounting, finance, business relationship management, and leadership.

Zurich, Ch

. Conducted a summer internship at Credit Suisse, where I developed a business plan aimed at integrating startups into the Private Banking industry as an investment product.

São Paulo, São Paulo, Br

. Managed a portfolio of 85 clients and USD 300MM of onshore and offshore assets, generating annual revenues of USD 3MM by providing customized financial products.. Won the 2011 Itau Client Review Award.

São Paulo, São Paulo, Br

. Provided two Private Bankers and clients with investment options and economic data, helping manage a portfolio of USD 900MM both onshore and offshore, contributing to generating annual revenues of USD 13MM.

New York, New York, Us

Br

Master Of Business Administration (Mba)

Bachelor Management, Business And Public Management

High School