Vinícius Tona Email & Phone Number

São Paulo, Brazil

São Paulo, Brazil

• Responsible for the policies for granting R$750 million/month in credit for Card Partnerships andMicrocredit.
• Direct and indirect leadership of 30 people, reporting to the Credit Director
• Redesign of the credit granting policy for Itaú's partnerships with Magalu, Pão de Açúcar and Assai.
• Increase in the profitability of new accounts (Raroc) from 4% to 20% in one year
• High level of complexity among the main stakeholders
• Implementation of specific models and policies for the reality of Microcredit, with a focus on low income income, took production from 115 MM to 135 MM, with defaults maintained

São Paulo

• Development and management of financial products for carton customers. Management of 4 squads in the integrated community model, with direct and indirect management of up to 50 people.
• Reporting to the Product Superintendent
• Increased monthly production of personal loans from R$100 MM to R$500 MM by implementation of sales through the bank's digital channels and management of the pricing and CRM policy
• Implementation of the boleto payment journey via credit card in Itaú's applications, with a 300% increase in product production
• Magalu Personal Loan: complete development of alternative loan functionality to the bank's systems to grant direct loans to customers of the Magalu platform. O project required a great deal of leadership effort to.
• Development and implementation of the Pix credit card pilot with the Central Bank, with the alternative of using the infrastructure for Pix transfers between CPFs. The project continued after promotion to credit.

São Paulo, São Paulo

• Relationship of credit card partnerships with Marisa and Ipiranga.
• Direct management of 3 coordinators and indirect management of 10 people.
• Reporting to the Business Superintendent
• P&L management with a result of R$ 80 MM and an active portfolio of 1.1 MM customers
• Management of sales channels and the product. Launch of the international Marisa and Ipiranga Platinum international cards, with adjustments to the value proposition. Sales of up to 85,000 cards per month

São Paulo

• Estratégia de rentabilidade da parceria do Itaú com o Walmart
• Gestão da carteira de clientes da Hipercard, com 3,5 milhões de cartões de crédito ativos.
• Aumento do faturamento da carteira em até 15% com estratégias de ciclo de vida e gestão de limites.

São Paulo

• Responsible for the second credit card concession policy. Promoted to the position of coordinator to work on the relationship and granting of credit with the Hipercard (Walmart) and Marisa
• 20% increase in second card approvals for existing customers, with controlled defaults
• Regionalized credit policy per store for Hipercard - closure of operations in stores with high delinquency x more efficient maintenance of remaining stores

São Paulo Area, Brazil

• Redefining the discount policy by exception, reducing the average discount by 40% without quality indicators and complaints
• Sensitivity analysis and repricing of all collection products for short delays (up to 70 days), with a 15% increase in financial margin
• Preparation and management of the collection budget and P&L

São Paulo Area, Brazil

Collection Policy

Master Of Business Administration - Mba, Business/Commerce, General

Pos Graduação Lato Sensu, Finance And Financial Management Services

Bachelor Of Business Administration (B.B.A.), Business