Seasoned Credit Risk Specialist adept at driving profitability and mitigating risk through strategic initiatives. With a strong foundation in both big banks and fintechs, established at Itau, Latin America's biggest bank, and also at meutudo. I've cultivated and managed credit risk teams with extensive experience in credit analysis, modeling, and policy development. Notably, I spearheaded the implementation of a pioneering credit risk model, leveraging non-traditional data sources, resulting in a remarkable $50 million annual sales increase—an impressive 20% uptick. Simultaneously, I oversaw the management of five distinct credit card acquisition policies, real estate mortgage, auto loan and payroll loan both for retail and business customers achieving the delicate balance between profitability and risk mitigation.My proficiency extends beyond traditional risk assessment methodologies. Leveraging advanced tools such as SQL, SAS, and Python, I navigated through vast datasets, conducting meticulous analyses to inform strategic decision-making as well as high skilled in Excel and Powerpoint. I played a pivotal role in shaping credit risk policies by evaluating historical delinquency rates, forecasting future trends, and presenting actionable insights to key stakeholders, including CFOs, to align business objectives with risk management strategies.My academic journey, which included pursuing Bachelor's and MBA degrees in the USA, has provided me with a multicultural perspective and a robust educational background. Fluent in English, native in Portuguese, and proficient in Spanish, I facilitate effective communication across global teams and client interactions.Credit Risk Management, Risk Analytics, and Credit Portfolio Management.