Luís Fernando Negrão Email & Phone Number

State Of São Paulo, Brazil

São Paulo, Brazil

- Inception and development of Cards Business Unit- Inception and development of Securitization Business Unit- Left QI to take care of the family and of a new family member (my daughter)

São Paulo, Brazil

- Responsible for Personal Loans business unit's P&L, orchestrating multiple departments around three main pillars: risk identification, credit profitability and operational costs optimization.- Led and reduced operational costs by R$750K/month, without the use of layoffs.- Led and reduced first payment default rates by ~79%, in partnership with credit risk team.- Partnered with CMO to optimize and reduce marketing costs by R$800K/month, cutting inefficient marketing channels and… Show more - Responsible for Personal Loans business unit's P&L, orchestrating multiple departments around three main pillars: risk identification, credit profitability and operational costs optimization.- Led and reduced operational costs by R$750K/month, without the use of layoffs.- Led and reduced first payment default rates by ~79%, in partnership with credit risk team.- Partnered with CMO to optimize and reduce marketing costs by R$800K/month, cutting inefficient marketing channels and campaigns.- Partnered with credit risk team to build the next major milestone in terms of risk identification for Personal Loans business unit. Show less

São Paulo Area, Brazil

- Led the restructuring of product/it team workflow from single pipeline/roadmap into multiple squads, with their own objectives, KPIs, product leaders and developers, reducing intersection/ambiguity of responsibilities and decentralizing decision, preparing Provu to scale.- Lead a team, composed by product managers and designers to delivery Provu's product strategy to both Provu's products: uncollateralized personal loans and direct consumer credit.- Responsible for Provu's product… Show more - Led the restructuring of product/it team workflow from single pipeline/roadmap into multiple squads, with their own objectives, KPIs, product leaders and developers, reducing intersection/ambiguity of responsibilities and decentralizing decision, preparing Provu to scale.- Lead a team, composed by product managers and designers to delivery Provu's product strategy to both Provu's products: uncollateralized personal loans and direct consumer credit.- Responsible for Provu's product roadmap definition and management to delivery company's strategy- Monthly product reporting to Lone Star funds management team- Partnered with data team to delivery Provu's proprietary credit score and other risk-related initiatives.- Led the product team to create Provu's Inbound API - increasing request volume, marketing channels diversity (marketplaces and digital wallets) and reducing CAC.- Led conversion initiatives, related to customer journey, KYC and backoffice that led to more customers getting credit and achieving their dreams Show less

São Paulo E Região, Brasil

- Led Provus's operations departments, until the milestone of R$300M lent/originated to the portfolio and the sale of Lendico's business to Lone Star Funds.- Member of the founding team- Designed and built the entire foundation of loan issuing and repayment processes from scratch, in terms of operational processes, procedures, systems and product workflow - to accommodate a banking correspondent framework with BMG bank.- Led the growth of Provu's pre-approval rate, broaden credit… Show more - Led Provus's operations departments, until the milestone of R$300M lent/originated to the portfolio and the sale of Lendico's business to Lone Star Funds.- Member of the founding team- Designed and built the entire foundation of loan issuing and repayment processes from scratch, in terms of operational processes, procedures, systems and product workflow - to accommodate a banking correspondent framework with BMG bank.- Led the growth of Provu's pre-approval rate, broaden credit eligible audience from 8% to 22% of requests, through new strategic partnerships that brought Lendico new fundings and different credit policies - negotiating, designing, planning and executing these projects, in partnership with Digio (former Banco CBSS) and Portocred.- Setup the foundations of and managed business intelligence, customer service and backoffice departments.- Reviewed the entire customer journey, in partnership with the former product leader, to reflect improvements learnt from the first two years of customers feedbacks, resulting in the second version Provu's platform and website.- Led the platform project that enabled the creation of Provu's FIDC and its own portfolio origination, building a more flexible platform/operation - allowing Provu to work with banks only as "booking banks". Show less

São Paulo E Região, Brasil

Founding team of Rocket Internet's brazilian lending platform.Life can't stop, that's the reason for Lendico's existence - enabling tens of thousands of customers to achieve their dreams. Lendico's mission is to be the largest and most-loved brazilian credit platform.We enable it by working on better risk differentiation, same-day credit, excellent customer service and experience and great offers.

São Paulo E Região, Brasil

Founding team of Rocket Internet's brazilian printing service platform / e-commerce.Zocprint was created to provide the huge brazilian market of self-employees and small business with advertising/branding solutions, so their business could thrive.Zocprint enables it by better using the idle capacity of brazilian printing service businesses (achieving low production costs), aggregating customers orders (to take advantage of scale gains) and providing clients a customization… Show more Founding team of Rocket Internet's brazilian printing service platform / e-commerce.Zocprint was created to provide the huge brazilian market of self-employees and small business with advertising/branding solutions, so their business could thrive.Zocprint enables it by better using the idle capacity of brazilian printing service businesses (achieving low production costs), aggregating customers orders (to take advantage of scale gains) and providing clients a customization platform, so they could reach professional-level advertisement with easy and focus on the development of their businesses.Zocprint also provides B2C customized products, so it can be the "one-stop shop" for customization. Show less

São Paulo E Região, Brasil

- Run and lead operations department of this complex e-commerce business - comprehending on-demand production of customized products, through decentralized production with same-day delivery.- Managed the entire fulfillment process, including pre-production, quality check, suppliers, production, warehouse handling, shipping and delivery.- Achieved an average of 20% COGS-revenue ratio with production suppliers by frequent negotiations.- Achieved 98% shipping "on time" rate, from 78%… Show more - Run and lead operations department of this complex e-commerce business - comprehending on-demand production of customized products, through decentralized production with same-day delivery.- Managed the entire fulfillment process, including pre-production, quality check, suppliers, production, warehouse handling, shipping and delivery.- Achieved an average of 20% COGS-revenue ratio with production suppliers by frequent negotiations.- Achieved 98% shipping "on time" rate, from 78%, without any additional hiring, by restructuring warehouse processes in sub-steps, focusing them in re-prioritization queues and bucket brigades method.- Led the laser-engraving and sublimation production process internalization, achieving a 4x larger production than the previous suppliers, with the same resources.- Led, developed and evolved, with the product ops team, the entire warehouse systems and services. Show less

São Paulo Area, Brazil

- Structure the pre-production department, aiming to optimize suppliers production, so we could guarantee production deadlines and reduce quality issues.- Defined and executed same-day production and delivery strategy for most of paper-related printing services.- Defined and implemented all the logic for order fulfillment sub-steps deadlines by product- Build the process of sublimation production and product line.

São Paulo Area, Brazil

- Responsible for structuring the warehouse picking, shipping and delivery of on-demand printing products from scratch.- Responsible for structuring the production of customized laser-engraved products on third-party plan, also optimizing suppliers' processes- Developed the first warehouse ERP platform

Bachelor'S Degree, Economics, 87/100

Activities and Societies: Scholarship student - Monograph: Analysis of the effects produced, by the 2008 financial crisis, in the world.

Micromaster, Statistics

MITx's Statistics and Data Science MicroMasters® Program - Probability - The Science of Uncertainty and Data (16 weeks) [Completed] - Data.

High School