Ricardo Toledo

Ricardo Toledo Email and Phone Number

Co-Founder and CPO @ Akropoli Analytics & Tecnologia
Santa Catarina, Brazil
Ricardo Toledo's Location
Santa Catarina, Brazil, Brazil
Ricardo Toledo's Contact Details

Ricardo Toledo work email

Ricardo Toledo personal email

About Ricardo Toledo

🚀 Innovation is more than just a buzzword to me; it is what motivates me every day. The possibilities that technology and new ideas bring to the table are incredible. I am particularly fascinated by the combination of the dynamism of startups and the strength of larger companies. It's like combining the energy of freshly brewed coffee with the refinement of aged wine - each complements and elevates the other.My diverse experiences in physics, finance, business administration, and knowledge engineering have taught me to look at things from different angles and find creative solutions to complex problems. Whether acting as an entrepreneur or as an intrapreneur in companies, I am always looking for ways to apply data science and artificial intelligence to better understand our customers and anticipate their needs. This ability to question the obvious and look for hidden solutions among data has helped me a lot in my work.I am passionate about sharing my experiences and helping other organizations find their own path to innovation. My goal is to inspire people to look to the future with courage and curiosity, regardless of whether they are a budding startup or an established company.If you believe that we can make the world a better place through technology and collaboration, let's talk! Together, we can discover what's possible and create a cooler, more human future.🤝 Who knows what we can do together?

Ricardo Toledo's Current Company Details
Akropoli Analytics & Tecnologia

Akropoli Analytics & Tecnologia

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Co-Founder and CPO
Santa Catarina, Brazil
Website:
akropoli.com.br
Employees:
9
Ricardo Toledo Work Experience Details
  • Akropoli Analytics & Tecnologia
    Co-Founder And Cpo
    Akropoli Analytics & Tecnologia
    Santa Catarina, Brazil
  • Akropoli Analytics & Tecnologia
    Co-Founder & Cpo
    Akropoli Analytics & Tecnologia Apr 2020 - Present
    Florianópolis, Santa Catarina, Brasil
    Enable the world to use information to enhance people's well-being.
  • Previsc - Previdência Complementar
    Advisory Board Member
    Previsc - Previdência Complementar Feb 2024 - Present
    Florianópolis, Santa Catarina, Brasil
    I work to integrate innovation and new technologies into the organization’s strategy. My role involves supporting PREVISC in identifying and adopting technological trends and innovative solutions, fostering a forward-looking vision that enhances efficiency, modernization, and competitiveness in the private pension sector. Collaborating closely with the executive team, I aim to add value to the organization’s portfolio, driving a digital transformation journey aligned with industry best practices.
  • Acate - Associação Catarinense De Tecnologia
    Director Of Fintech Business Vertical
    Acate - Associação Catarinense De Tecnologia Aug 2022 - Present
    Florianópolis, Santa Catarina, Brasil
    Fintech Business Vertical is the network including technology-based companies associated to ACATE of varying sizes that operate in segments such as finance market, banks, methods of payment, blockchain, crypto coins, investments, operations management, among others.
  • Acate - Associação Catarinense De Tecnologia
    Mentor Of Innovation, Startups, Data Driven Companies And Analytics
    Acate - Associação Catarinense De Tecnologia Feb 2020 - Present
    Florianópolis, Santa Catarina, Brasil
  • Flow Analytics & Innovation
    Founder
    Flow Analytics & Innovation Jan 2020 - May 2021
    Florianópolis, Santa Catarina
    Mentoring for Startups and Innovation, Digital Transformation and Analytics Projects. Specialist in financial innovation.
  • Ouze
    Chief Analytics Officer
    Ouze Feb 2018 - Dec 2019
    Florianópolis Area, Brazil
    Leads organization’s data analytics strategy, driving data-related business changes in an effort to transform the company into a more analytics-driven one.
  • Calcard Administradora De Cartões Ltda.
    Product And Crm Manager
    Calcard Administradora De Cartões Ltda. Feb 2016 - Jan 2018
    Florianópolis Area, Brazil
    Responsible for the profitability of financial products and the strategies to leverage the client relationship with the Calcard brand.
  • Goon - Evolução Em Gestão De Riscos
    Senior Business Consultant
    Goon - Evolução Em Gestão De Riscos Aug 2015 - Jan 2016
    São Paulo
    Senior Consultant for startup companies and "fintechs", with focus on risk decision process, financial business model and long-term customer relationship. Employing an innovative mindset and external client view of the company to drive the business to sustainable results.
  • Netpoints Fidelidade S.A.
    Commercial Director
    Netpoints Fidelidade S.A. Oct 2014 - May 2015
    São Paulo
    Acting with strategies of customer relationship and working with analytics tools and CRM initiatives to promote unique experiences based on behavior and leveraging results of commercial partners.Responsible for management and development of commercial alliances to corporate large, medium and small-sized retailers centers, like supermarkets, gas stations and home centers.
  • Itau-Unibanco
    Product And Marketing Director Itaucard Mexico
    Itau-Unibanco Aug 2010 - Sep 2014
    Mexico City Area, Mexico
    International experience as Product and Marketing Director responsible of Portfolio and Business Development of credit cards in international unit of Itaú Bank headquartered in Mexico City since August 2010, working in development of new business partnerships and its new products.In the period, I was acting as Chief Executive Officer in the international unit, in 2010.
  • Itau-Unibanco
    Credit Risk Director Itaucard Mexico
    Itau-Unibanco Aug 2008 - Jul 2010
    Mexico City Area, Mexico
    Managing in international unit of Itaú-Unibanco headquartered in Mexico City.Project startup of new international unit, with active participation and instrumental in creating the new company, in defining strategies for business and new market opportunities.Responsible in Mexico for adapting, establishing and disseminating the internal knowledge, methodology and culture present in the Brazilian bank.
  • Itau-Unibanco
    Executive Manager Of Policies And Credit Risk Models For Sml Sized Enterprises.
    Itau-Unibanco Aug 2004 - Aug 2008
    Sao Paulo, Brazil
    Responsible for the startup of the new area of credit risk models for SML sized Enterprises.Developing and managing credit policies for micro and small enterprises in the Retail segment, aimed at maximum profitability of results with the consolidated view of the customer role in the credit cycle.Responsible directly and acting as leader group in risk and commercial teams of growth of 400% of credit loans revenue, with reduction on credit losses of 50%, and financial results growth of 300% in the period.
  • Itau-Unibanco
    Manager Of Credit Risk Models In Consumer Bank Division.
    Itau-Unibanco Jan 2000 - Jul 2004
    Sao Paulo, Brazil
    Development of credit scoring models for personal loans and revolving credit products.Innovation in credit risk assessment of SML enterprises in various credit pre-approval models for new business enterprises of Unibanco, using differentiated methodologies.

Ricardo Toledo Skills

Portfolio Management Credit Cards Banking Credit Risk Business Strategy Management Credit Start Ups Business Planning Crm Risk Management Negotiation Team Leadership Financial Risk Strategic Planning Corporate Finance Credit Scoring Business Development Strategy Leadership Finance Analytics Product Management Business Intelligence Marketing Retail Banking Market Analysis Team Management New Business Development Segmentation Financial Analysis Portuguese Planejamento Empresarial Statistical Modeling Data Analysis Data Mining Payments Business Management Business Analysis Competitive Analysis Management Consulting Product Development Human Development People Management Balanced Scorecard Teamwork Customer Relations Consumer Finance Commercial Management

Ricardo Toledo Education Details

Frequently Asked Questions about Ricardo Toledo

What company does Ricardo Toledo work for?

Ricardo Toledo works for Akropoli Analytics & Tecnologia

What is Ricardo Toledo's role at the current company?

Ricardo Toledo's current role is Co-Founder and CPO.

What is Ricardo Toledo's email address?

Ricardo Toledo's email address is ri****@****ail.com

What schools did Ricardo Toledo attend?

Ricardo Toledo attended Universidade Estadual De Campinas, Universidade Federal De Santa Catarina (Ufsc), El Instituto Panamericano De Alta Dirección De Empresa (Ipade) / Ipade, Insper Instituto De Ensino E Pesquisa, Fundação Getulio Vargas, Slac Coaching.

What skills is Ricardo Toledo known for?

Ricardo Toledo has skills like Portfolio Management, Credit Cards, Banking, Credit Risk, Business Strategy, Management, Credit, Start Ups, Business Planning, Crm, Risk Management, Negotiation.

Who are Ricardo Toledo's colleagues?

Ricardo Toledo's colleagues are Israel Passos, Fábio Fernandes Da Silva.

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