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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.
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.
A career timeline built from the work history available for this profile.
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.
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.
São Paulo E Região, Brasil
• Budget preparation (revenues and expenses).• Analysis of business for customers.• Management of loan portfolio.• Analysis of break-even points.
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 • Training and deployment of the operation in 30 outsourced promoters.Position: Business Salesman • Visiting furniture stores to promote products.
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Ricardo Fonseca is listed as Calgary- Canada.
Ricardo Fonseca is based in Calgary, Alberta, Canada.
Ricardo Fonseca has worked for Autônomo, The Carlyle Group - Urbplan, Banco Original S/A, and Banex S/A – C.F.I..
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Ricardo Fonseca holds Administração De Empresas, Business Administration And Management, General from Universidade Católica De Santos.
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