Responsável pela Vindi Pay e Banking. Empresa do grupo LWSA

Creating an SME Bank from ScratchResponsibilities include:➔ Credit and Guarantees➔ Business Credit Card➔ Cash Management / Payments➔ Acquiring➔ Growth and Engagement (CRM and Digital Sales)➔ P&L ManagementAs a leader in the establishment of the Business Bank for C6Bank, I played a strategic role, guiding the institution from inception to consolidation as a new player in the SME market. I fostered a culture that values innovation, proactivity, and excellence, resulting in a cohesive and results-oriented multifunctional team. Effective communication across various departments was crucial for the project's success, highlighting my skills in managing relationships and coordinating efforts.It is also noteworthy that JPMorgan Chase is a partner of C6Bank, contributing to the strength and credibility of our initiatives.Concerning specific responsibilities, I emphasize my leadership in structuring loan and guarantee solutions, including enabling C6 as the first digital bank in government-subsidized programs. In the Cash Management area, I developed and managed solutions such as Billing, Instant Payments, and Payroll. Additionally, I strategically led C6Pay's Sub-Acquiring (PayGo), fortifying the bank's presence in the payments ecosystem.I also underscore the implementation of CRM models and digital distribution strategies to propel customer base expansion and increase engagement and profitability for business bank accounts.

During my brief tenure at PROSPERA, I employed a targeted approach to swiftly identify opportunities and formulate a strategic plan. This initiative resulted in notable improvements in operational efficiency, laying the groundwork for the sustainable growth of PROSPERA microloans.The successful implementation of credit models, integrating automated risk assessment, led to a more robust portfolio and a reduction in disbursement time.Furthermore, the expansion of the commercial team significantly strengthened PROSPERA's presence in the countryside and extended outreach in the North and Northeast regions of the country.Additionally, I spearheaded a redesign of the renewal process, with the objective of achieving greater efficiency and heightened customer satisfaction.

➔ Spearheading the Strategy for Small and Medium Enterprises (SME) Segment;➔ Leading the Digital Transformation Team for SMEs Products, Services, and Processes;➔ Pioneering the Development of Digital Products: Enterprise Digital Account and Embedded ERP Whitelabel Solution in Internet Banking;➔ Crafting the Customer Service Model;➔ "Avançar" Program: Entrepreneurship Content Portal. Inbound Strategy.During my role as Superintendent of Digital Transformation for SMEs, we confronted the critical challenge of the COVID-19 pandemic. Under my guidance, we swiftly implemented crucial digital solutions to ensure the streamlined service delivery to Small and Medium Enterprises through our branches.I emphasize the strategic direction in elevating the digital experience for the SME Segment, with a focus on addressing specific demands during the pandemic. In the realm of digital product development, I highlight the prompt onboarding of the Enterprise Digital Account in just 7 months, alongside the successful integration of an ERP Whitelabel Solution into Santander's Internet banking platform.

Assuming the position of Head of New Ventures and Innovation represented not only a professional advancement but also signified a strategic career transition to lead digital transformation.Creation of the Business Hub Concept and Area:Facilitated synergies and cross-sell initiatives among Santander Group companies, integrating offerings in a contextual manner. This initiative resulted in reduced acquisition costs and increased profitability. Noteworthy cases include the introduction of Personal Accounts in the Payroll Loans journey, the Credit Card Offering in the Vehicle Financing Journey.Partnership Management:Oversaw Santander's partnership with Sem Parar (Toll Tag Company), actively participating across the entire automotive ecosystem.Startup Acceleration Program:Assumed the role of Community Manager, orchestrating the redesign of the Santander Radar Startup Acceleration Program and fostering the innovative culture encouraged by Santander BankDevelopment of New Ventures:Led the development of new ventures from the ideation phase to defining the operational model, including the creation of "Em dia" (a digital recovery company) and "Sim Empréstimos" (a digital personal loans platform).

➔ Proactively overseeing Product Profit and Loss (P&L) with a meticulous focus on driving optimal financial performance.➔ Strategically crafting relationship strategies and offerings intricately aligned with the customer lifecycle.➔ Effectively managing Integrated Offerings derived from both Getnet and Bank Products.➔ Pioneering the development of cutting-edge payment solutions through a strategic partnership with Getnet (Pago Nxt – Santander's global acquiring company).In this pivotal role, I operate at the forefront of the convergence between Getnet's product engineering, an integral component of the Santander Group, and the internal operations of the Bank. Employing strategic management, I navigate seamlessly across these domains, ensuring a robust alignment and cultivating synergies that make substantial contributions to the success of the products.

➔ Development of New Products (Research, Market Analysis, Process Definition, Marketing Positioning, and Value Proposition).➔ Management of the loan portfolio (Monitoring business and credit risk indicators).➔ Product Profit and Loss (P&L) Management (Development of Business Plans, Budgets, Gap Analysis, and Action Plans).Key Achievements:Successfully introduced the Personal Credit Offer at ATMs, providing immediate access to loan solutions.Implemented digital formalization solutions for personal loans negotiated by branches.Pioneered the Preventive Product, allowing the early renegotiation of clients showing signs of accelerated indebtedness, benefiting clients, and contributing to the sustainability of the loan portfolio

➔ Planning and implementing product distribution strategies➔ Project management.Coordination of Telemarketing Sales Team: I developed and led a sales team specialized in telemarketing, ensuring the achievement of goals and providing continuous training to enhance performance. The telemarketing channel represented over 50% of the total personal credit disbursement, underscoring the efficiency and significance of this channel in the distribution strategy.

➔ Management of Service, Retention, and Sales Channels in the Call Center;➔ Planning, Execution, and Implementation of Projects;➔ Development of models for Renewal, Retention, and Upselling of the Insurance Portfolio;➔ Definition of processes and operational workflows.Partnership Development:Established a strategic partnership with VIVO (MOVISTAR BRAZIL) to offer Life Insurance, Personal Accident, Residential, and Daily Hospitalization Allowance Insurance, incorporating these offerings into the mobile phone bill and through telemarketing. Formed partnerships with home assistance and funeral services for offerings in the credit card customer base.

nternational ProgramGlobal Credit Division➔ Development of a Global Pricing Model for Morgadget Products.➔ Survey of best practices in Mortgage management in different countries.