Ricardo Fonseca
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Ricardo Fonseca Email & Phone Number

Calgary- Canada
Location: Calgary, Alberta, Canada 4 work roles 1 school
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Role
Calgary- Canada
Location
Calgary, Alberta, Canada

Who is Ricardo Fonseca? Overview

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Ricardo Fonseca is listed as Calgary- Canada based in Calgary, Alberta, Canada. AeroLeads shows a matched LinkedIn profile for Ricardo Fonseca.

Ricardo Fonseca previously worked as Financial Consultant at Autônomo and Financial Manager at The Carlyle Group - Urbplan. Ricardo Fonseca holds Administração De Empresas, Business Administration And Management, General from Universidade Católica De Santos.

Profile bio

About Ricardo Fonseca

PROFESSIONAL PROFILE • 27 years of experience in financial institutions, performances in Finance area, and Commercial Products; • Financial Planning;• Solid knowledge in Financial Mathematics: HP12C and Excel;• "Pricing" calculation for all types of Financing;• Management: Profitability and Delinquency Analysis;• Extensive experience in Retail Market: Auto Finance, Payroll, Personal Loans and CDC;• Receivables Management experience;• Relationship with Banks and the Central Bank;• Leadership in identifying problems and presenting their solutions;• Advanced English / Fluent Portuguese.

4 roles

Ricardo Fonseca work experience

A career timeline built from the work history available for this profile.

Financial Consultant

Autônomo

São Paulo E Região, Brasil

  • .
  • Working as a freelance consultant for companies, my role was to collect financial information to indicate better solutions for the business.
Jul 2015 - Nov 2022

Financial Manager

The Carlyle Group - Urbplan

São Paulo

  • Cash Flow management.
  • The Financial Liabilities control (Banking and Securitization).
  • Short-term debt renegotiation.
  • Management receivables (recipes, operations)
  • Negotiation with banks and securitization.
  • Financial calculations for decision-making.
May 2014 - Jun 2015

Financial Manager

Banco Original S/A

São Paulo E Região, Brasil

  • Budget preparation (revenues and expenses).
  • Analysis of business for customers.
  • Management of loan portfolio.
  • Analysis of break-even points.
Dec 2010 - Feb 2014

Financial Manager

Banex S/A – C.F.I.

Sao Paulo

  • Relationship with banks for application and fundraising.
  • Preparation of presentation of analysis, and cash flow management.
  • Research for new products and composition of the interest rate (price formation) for all the company's financing products (retail Shops, leasing vehicles, personal Loan)
  • Analysis of profitability by applying the absorption costing and variable.
  • Development of operations in payroll in public institutions. the contracts.
  • Member of the development committee of the company’s products
May 1999 - Oct 2010
1 education record

Ricardo Fonseca education

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What is Ricardo Fonseca's role at their current company?

Ricardo Fonseca is listed as Calgary- Canada.

Where is Ricardo Fonseca based?

Ricardo Fonseca is based in Calgary, Alberta, Canada.

What companies has Ricardo Fonseca worked for?

Ricardo Fonseca has worked for Autônomo, The Carlyle Group - Urbplan, Banco Original S/A, and Banex S/A – C.F.I..

How can I contact Ricardo Fonseca?

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What schools did Ricardo Fonseca attend?

Ricardo Fonseca holds Administração De Empresas, Business Administration And Management, General from Universidade Católica De Santos.

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