Ricardo Rubio Email & Phone Number

State Of São Paulo, Brazil

São Paulo, Brazil

Gen AI to enhance commercial briefings, conduct sentiment analysis and identify business opportunities.Developed client-centric analytics platforms to drive strategic business optimization.Leveraged financial network analysis and graph modeling to uncover new business opportunities.Delivered impactful results on diverse topics as an Agile consultant.Modernized Credit and Cash pricing tools using Agile methodologies for improved efficiency.Spearheaded the implementation of new Corporate bank segmentation strategies.

Directed the Prospective Profitability methodology, factoring economic drivers to maximize client outcomes.Developed and deployed Machine Learning models for credit spread, price sensitivity, NPS forecasting, andreal estate valuation.Built the Corporate Credit portfolio simulator to optimize profitability and empower the Commercial team.Oversaw pricing tools, set portfolio risk limits and formulated strategies for optimal risk-return balance.

São Paulo Area, Brazil

Led studies to analyze portfolio sector exposure and profitability, guiding commercial strategies and enhancinginternal models for capital allocation and policies.Evaluated technology projects through valuation and feasibility studies, identifying promising investmentopportunities.Structured credit sale operations to diversify the portfolio and mitigate sector concentration.Designed comprehensive portfolio management reports tracking performance, delinquency, sector concentration,CEA, RAROC, and ratings migration to identify optimization opportunities.

Built and deployed product pricing tools to optimize pricing strategies.Safeguarded the profitability of a 15,000-company portfolio (R$7.2 billion) through competitive pricing andprofitability optimization.Enhanced the RAROC internal model by refining assumptions (PD, LGD, CEA), integrating Unibancocustomers, and creating new pricing segments to drive profitability.

Developed a valuation and RAROC-based pricing model for Payroll loans, maximizing profitability. Led specialstudies to boost sales revenue and commercial force productivity.Established the Payroll loan MIS, encompassing database development, management reports, and follow-upprocesses.Consistently delivered high performance as a Senior Analyst, recognized by the PRAD program for outstandingresults.

Developed and managed the Payroll loans platform through project specification, approval, and execution.Executed cross-selling pilots (Personal Loans, Insurance, Credit Card) for BMG clients, growing productofferings and customer base.

Master, Economics, Finance

Activities and Societies: Application of volatility models in high frequency trading strategies

Certificate In Business Administration, Business Administration

Civil Engineering