Haroldo Carvalho Email & Phone Number

São Paulo, SP, BR

São Paulo, São Paulo, BR

São José Do Rio Preto, SP, BR

• Reporting to the CEO with a team of 5 direct and 300 indirect employees. In charge of finance (Controlling, Strategic and Financial Planning, Risks and Treasury) and support areas (Compliance, Legal, Pricing, Products.
• Upgrade the Group's rating to high investment grade by Fitch Ratings through several operational and financial improvements that was instrumental to promote a significant reduction in the company’s funding costs.
• Strengthen corporate governance in order to meet the standards of public companies, contributing to the generation of more reliable results for the shareholders, better access to funds and improving the company’s.
• Implementation of an innovative expenses management process.
• Development of a Digital Transformation program, based on value added and structural improvements that will influence the company's value relevantly.
• Structure alternative source of funds to support business growth.

São José Do Rio Preto, SP, BR

• Reporting to the CEO with a team of 4 direct and 100 indirect employees. In charge of the Commercial areas (Automotive and Real Estate), Development of new products, Pricing, Risks & Compliance, Treasury, and Banking.
• Raising the employee satisfaction index significantly, that contributed to be among one of the best companies to work in by Guia Voce S/A (2018 and 2019).
• Relevant increase of the Bank's market share in financing the clients of its resellers.
• Revision of the credit policies that brought about a relevant increase in decisions made by the credit engine, which gave rise to a relevant reduction of the delinquency ratio 90 days and an NPS greater than 85 points.
• Development of tailored solutions that resulted in an important recovery of real estate outstanding debt.

São José Do Rio Preto, SP, BR

• Responsible for equity research, market analysis and medium and long-term planning (e.g., investments, business plans). Running the operations of the Used Cars business unit during half of this period.
• Structure and implementation of the area by defining models, goals and parameters that were approved by the Board, which in turn generated a more reliable selection of the company’s initiatives.
• Significant reduction in the operational cycle of the sales of used cars by reviewing processes and setting up digital sales channels, resulting in a relevant increase of sales and reduction in debt.
• Establish strategic partnerships that significantly leveraged the results of the BUs (e.g., Hyundai national consortium and partnership on financial services with MAN dealerships).

São Paulo, São Paulo, BR

Reporting to the Leading Project Partner. Participated in post-merger integration projects, matrix budgeting, organizational restructuring and turnaround in several market segments such as Construction, Food, Pulp & Paper and Waste Management.

Walldorf, BW, DE

Reporting to the consulting company’s Services Director. Responsible for setting up the BTS (Business Transformation Services) area in Brazil and leading projects for the review of the organizational structure and strategy, IT development plan and development of customer care solutions in the Energy and Oil & Gas industries.

Madrid, ES

Reporting to the consulting company’s Managing Director. Participated in projects for optimizing the customer service model, review the new product development process, strategic planning and define a project management methodology for the Telecommunication industry.

Amsterdam, NL

Reporting to the Project Manager. Responsible for setting up the project management office for several industries such as Aerospace, Cosmetics, and Oil & Gas.

Advanced Management Program, Business Administration And Management, General

Master Of Business Administration - Mba, Finance

Master, International Management

Graduation, Computer Engineering