André Garcia

Head of Lending - Brazil @ Revolut | Managing Credit Products End-to-End

São Paulo, São Paulo, Brazil

About

20 years of experience in Financial Products, Credit, Pricing and Debit / Credit Cards Management Leadership of high performance teams and management of high results businesses Fluent English and Advanced Spanish

Experience

  • Head of Lending - Brazil at Revolut
    Jul 2023 - Present · 3 yrs 1 mo

  • Head of Financial Products | Credit Portfolio Manager at BTG Pactual
    Oct 2020 - Jun 2023 · 2 yrs 9 mos

    Responsible for launching, managing and growth of loan products, such as Overdraft, Personal Loan, Home Equity, Payroll Loan and Credit Cards financial products (revolving, statement finance, withdraw)

  • Banco Carrefour (Hybrid)
    • Financial Products & Pricing Senior Product Manager (PM)
      Dec 2018 - Oct 2020 · 1 yr 11 mos

      Leader of a multidisciplinary team focused in Financial Products, responsible for understanding customer needs and delivering solutions that improve customer experience and results. Team composed of specialists in Credit, Analytics, CRM, BI, Marketing, Operations, IT, Fraud, Products, Channel Sales, UX. Responsible for IT and Marketing budget management to promote Personal Loan and Statement Finance Leader of a multidisciplinary team focused in IT Developments, responsible for the Products & Services Tribe (Insurance, Financial Products, Services and Payment Technologies). Team composed of Developers, System Architects, Testers (QA) and Designers (UX)

    • Financial Products & Pricing Senior Manager
      Sep 2017 - Nov 2018 · 1 yr 3 mos

      Leadership of team responsible for Financial Products (Revolving, Statement Finance, Personal Loan, Bills Payment, Cash Advance and Consumer Finance). Responsible for management, pricing, sales channel and Marketing / CRM action plans. Development of new features, pricing and sales strategy, focusing in results and user experience.

  • Grupo Santander (12 yrs 5 mos)
    • Senior Pricing Manager
      Jun 2014 - Aug 2017 · 3 yrs 3 mos

      Team building and leadership of pricing team responsible for Credit Cards, Personal Loan, Payroll Loan, Overdraft, Auto Finance and Collection. Evaluation of products profitability, implementing strategies focused in sales and profitability, through pricing adjusted to customer risk Delivery of price-elasticity tests and pricing models

    • Debit & Credit Cards Portfolio Coordinator
      Feb 2011 - May 2014 · 3 yrs 4 mos

      Management of the credit & debit cards portfolio, composed of 15 different products Responsible for the profitability of the portfolio (P&L) and for action plans aiming to increase revenues and reduce costs Leadership of strategic project such as launch of new products, suitable for the customer needs and increasing portfolio's profitability

    • Pricing & Fees Coordinator
      Jan 2009 - Jan 2011 · 2 yrs 1 mo

      Management of Service Fees Responsible for the profitability of the services (P&L) and for implementing action plans aiming to increase revenue and descrease reversals / discounts