Florianópolis, Santa Catarina, Brazil
Global neobank and Europe's largest fintech, serving +65M retail customers and +500k businesses worldwide - Coordinated the launch of Mortgage products, managing strategy and execution alongside with Local Credit specialists, Legal, Compliance, Product, and Credit Risk teams - achieving +€50M in loan volumes within the first quarter - Partnered with Credit Risk teams to develop and implement a long-term roadmap of initiatives optimizing credit decisioning processes, resulting in a +15% uplift in overall conversion rates - Led cross-functional collaboration to scope, define and develop a new wholesale B2B lending product, establishing product strategy, user journey design, and credit operations framework from the ground up - Managed vendor partnerships across credit bureaus, collateral valuers, and servicing providers, from contract negotiation to performance monitoring and reviews - Aligned strategic prioritization and delivery of key initiatives under executive oversight, overseeing roadmaps, aligning stakeholders, and ensuring execution across multiple cross-border teams
Leading Fintech hub for Brazilian SMEs that leverages proprietary algorithms to connect businesses with a diverse network of banks, fintechs and institutional investors, maximizing funding alternatives. - Supervised and guided a fully remote workforce of +20 people, overseeing Sales, Operations, Marketing, Partnerships, and Business Development teams. - Spearheaded the efficient performance of the company’s flagship product, a loan marketplace for SMEs that enabled funding for over 4,000 Brazilian companies since its inception. - Established new marketing and data analytics chapters, optimizing retargeting campaigns and achieving a 35% YoY increase in loan applications from returning customers. - Implemented efficient document management processes and streamlined operational routines, reducing the average loan application lead time by 15%. - Secured strategic partnerships with banks and fintechs, expanding the platform's access to diverse funding sources.
- Led the inception, development, and successful implementation of three white-label term loan platforms, resulting in the approval of over 2,000 business loans within 8 months. - Directed cross-functional collaboration among Engineering, Design, Sales and Marketing teams to correctly define product specifications and prioritize features aligned with key business objectives. - Leveraged insights from customer feedback and behavior analytics to introduced innovative features, achieving a 55% decrease in Time to Value and a 20% reduction in signup abandonment rates. - Designed and deployed over 70 analytics reports, metrics, KPIs and live dashboards through SQL and NoSQL queries, providing actionable insights crucial for informed decision-making. - Supervised the integration of over 30 external provider APIs, primarily sourced from lenders and credit agencies. - Created and maintained detailed product roadmaps, defining the overall product strategy and aligning it with quarterly OKRs and KPIs for consistent success.
- Designed and mantained a lead-scoring algorithm to estimate the likelihood of credit approval for SMEs, analyzing over 80,000 Brazilian small and medium businesses. - Streamlined and automated multiple credit assessment processes and routines, resulting in an 80% reduction in the lead time for loan applications. - Employed industry-standard credit assessment parameters, leading to a 20% increase in successful credit applications. - Led the integration of 10 new data providers, enhancing the accuracy of credit assessments and enabling more precise lending decisions.
Brazilian Investment Banking branch of Banif, an international financial conglomerate with over EUR 2 billion in Total Assets, serving institutional investors, financial institutions, corporations, and individuals. - Coordinated the execution of several asset-backed securities and mutual funds, managing both public and private offerings targeted at Brazilian institutional investors. - Conducted comprehensive financial analysis, including credit risk assessment, collateral analysis, financial statement analysis, and market research. - Organized due diligence processes and collaborated with cross-functional teams to ensure the successful implementation of deals. - Enhanced market intelligence by creating a proprietary database that compiles key features of relevant Brazilian debt offerings using publicly available data.
Local asset management firm specializing in corporate high yield bonds, stocks and structured finance. - Developed and implemented tailor-made credit risk models, enabling real-time measurement of the firm’s credit exposure. - Sponsored a Business Process Management Initiative that reduced credit application processing time by 25%. - Implemented industry leading software solutions that enhanced the performance tracking of over 20 portfolios. - Supervised a team of 3 corporate credit analysts.