Raphael Valente

Raphael Valente Email and Phone Number

Chief Risk Officer at Koin @ Koin
Raphael Valente's Location
Santana de Parnaíba, São Paulo, Brazil, Brazil
Raphael Valente's Contact Details

Raphael Valente work email

Raphael Valente personal email

About Raphael Valente

Highly experienced financial professional with 16 years in retail financial institutions, specializing in credit risk and data science. Adept at developing and implementing credit models, policies and strategies, leading to effective portfolio management and risk/return optimization.• Proven track record in managing credit through advanced statistical models and risk-based pricing strategies.• Comprehensive experience in CRM, BI and strategic business planning, including the management and execution of targeted commercial campaigns and productivity strategies.• Proficient in leading data engineering and business intelligence projects using Oracle, SAS, Tableau, Power BI and Metabase, resulting in enhanced MIS and dashboard functionalities.

Raphael Valente's Current Company Details
Koin

Koin

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Chief Risk Officer at Koin
Raphael Valente Work Experience Details
  • Koin
    Chief Risk Officer
    Koin Sep 2022 - Present
    São Paulo, São Paulo, Br
    - Lead the risk management, data science, risk engine and data teams.- Develop and implement strategies for credit risk management, including optimizations considering risk-based pricing, elasticity and operational costs.- Oversee the creation of statistical models for credit, collection and CRM.- Establish and enforce credit risk policies.- Direct data engineering, business intelligence, MIS and dashboard projects.- Lead a team of ~30 people.
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  • Koin
    Risk And Data Science Director
    Koin Nov 2016 - Sep 2022
    São Paulo, São Paulo, Br
    - Developed statistical models for fraud detection, credit evaluation, and collections.- Created and enforced policies for fraud and credit risk management.- Implemented risk-based pricing strategies.- Managed data engineering, business intelligence, MIS, and dashboard projects.
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  • Banco Santander
    Crm, Bi And Sales Strategic Planning - Coordinator
    Banco Santander Aug 2014 - Nov 2016
    Boadilla Del Monte, Madrid, Es
    - Managed and developed campaigns for commercial offers based on customer profiles.- Led BI projects using Oracle environment and Tableau visualization.- Developed commercial productivity strategies.
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  • Banco Santander
    Credit Risk Strategy - Coordinator
    Banco Santander Dec 2012 - Aug 2014
    Boadilla Del Monte, Madrid, Es
    - Managed the Mortgage Credit portfolio.- Developed policies and strategies, conducted analyses, and monitored the product.
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  • Banco Santander
    Credit Risk Strategy - Senior Analyst
    Banco Santander Oct 2010 - Nov 2012
    Boadilla Del Monte, Madrid, Es
    - Developed credit policies and strategies, managed the portfolio, and analyzed Personal Credit and Renegotiation products.
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  • Banco Santander
    Credit Risk Portfolio Management - Analyst
    Banco Santander May 2009 - Sep 2010
    Boadilla Del Monte, Madrid, Es
    - Managed and monitored the Retail credit products portfolio.- Developed analyses and reports to track the portfolio.
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  • Banco Real
    Credit Risk Data Modeling / Mis - Junior Analyst
    Banco Real Aug 2008 - May 2009
    São Paulo, Br
    - Developed data models for credit risk assessment.- Created and managed MIS reports.
    View

Raphael Valente Skills

Credit Risk Sas Sas Programming Sql Mis Microsoft Excel Powerpoint Access Banking Strategy Risk Management Credit Cards Business Intelligence

Raphael Valente Education Details

  • Insper Instituto De Ensino E Pesquisa
    Insper Instituto De Ensino E Pesquisa
    Estatística Aplicada A Negócios
  • Fgv - Fundação Getulio Vargas
    Fgv - Fundação Getulio Vargas
    Business Administration (Ceag) - Finance Emphasis
  • Faculdade De Tecnologia De São Paulo - Fatec-Sp
    Faculdade De Tecnologia De São Paulo - Fatec-Sp
    Data Processing Graduation

Frequently Asked Questions about Raphael Valente

What company does Raphael Valente work for?

Raphael Valente works for Koin

What is Raphael Valente's role at the current company?

Raphael Valente's current role is Chief Risk Officer at Koin.

What is Raphael Valente's email address?

Raphael Valente's email address is ra****@****ail.com

What schools did Raphael Valente attend?

Raphael Valente attended Insper Instituto De Ensino E Pesquisa, Fgv - Fundação Getulio Vargas, Faculdade De Tecnologia De São Paulo - Fatec-Sp.

What skills is Raphael Valente known for?

Raphael Valente has skills like Credit Risk, Sas, Sas Programming, Sql, Mis, Microsoft Excel, Powerpoint, Access, Banking, Strategy, Risk Management, Credit Cards.

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