Aug 2024 – Mar 2026 · 1 yr 7 mos · São Paulo, Brasil · Remote

• Leader/ focal point for Cost-of-Credit and Credit Capital;
• End-to-end development and deployment of loss rate models and three-parameter (PD, LGD, EAD) models for expected credit losses according to IFRS 9 prescriptions (and Brazilian Central Bank's 4,966 and 352 Resolutions) for credit card, personal loans and payroll loans portfolios;
• High-level ad hoc provision and profitability studies to define credit strategy;
• Response to inquiries of auditors and regulators;
• Conduction of training workshops for employees on IFRS 9 modeling methodology and awareness of the company about the pros and cons of this new provision strategy;
• Technical support in the hiring process of data scientists and data engineers.

Oct 2023 – Aug 2024 · 10 mos · São Paulo, Brasil · Remote

• Leader/ focal point for Cost-of-Credit and Credit Capital;
• End-to-end development and deployment of loss rate models and three-parameter (PD, LGD, EAD) models for expected credit losses according to IFRS 9 prescriptions (and Brazilian Central Bank's 4,966 and 352 Resolutions) for credit card, personal loans and payroll loans portfolios;
• High-level ad hoc provision and profitability studies to define credit strategy;
• Response to inquiries of auditors and regulators;
• Conduction of training workshops for employees on IFRS 9 modeling methodology and awareness of the company about the pros and cons of this new provision strategy;
• Technical support in the hiring process of data scientists and data engineers.

Apr 2023 – Oct 2023 · 6 mos

• Credit portfolio quantitative analysis, segmentation and modeling using CRM, behavioral and financial risk/ return metrics in order to improve the retail allocation strategy of the bank.

Dec 2021 – Apr 2023 · 1 yr 4 mos

• Development and support to deployment of expected and unexpected credit loss statistical models (PD, LGD, EAD, EL, Vol PD, UL/Economic Capital) for the whole Brazilian retail area of the bank;
• First analyst of the bank to work on the ECL requirements for the 4.966 Resolution of the Brazilian Central Bank;
• Compliance assessment of models with national and international accounting standards (IFRS 9, BRGAAP, 2682 BACEN Resolution);
• Assistance to regulators (internal and external auditors);
• Elaboration of papers and technical reports for high-level decision making, with high-value impact in the financial system.

May 2021 – Apr 2023 · 1 yr 11 mos · São Paulo, Brazil

• Consulting, mentoring and training for quants and data scientists.

Nov 2020 – Dec 2021 · 1 yr 1 mo · São Paulo, Brazil

• Development and deployment of machine learning models for various CRM fronts (MBA, MMM, recommendation systems, market segmentation, propension models);
• Management of data projects with small teams of analysts, following the CRISP-DM methodology;
• Preparation of commercial proposals;
• Analytics Journal: conducted data science / data analysis training for the entire Data Services team;
• Clients: telcos, sports goods, vehicle manufacturers, food industries, etc.

Jun 2019 – Nov 2020 · 1 yr 5 mos · São Paulo, Brazil

• Consulting for credit risk and ECL modeling (credit scoring models, PD, LGD, EAD, EL);
• Audit support consulting for compliance of credit impairment with standards IFRS 9 / CPC 48, USGAAP and BRGAAP;
• Enterprise Risk Management: COSO ERM methodology for operational, reputational and strategic risk in order to assess business continuity;
• Market & Liquidity risk;
• Projects for large financial institutions (major banks in Brazil).

Oct 2018 – Jun 2019 · 8 mos · São Paulo, Brazil

• Mapping of Asset Management processes for CAPEX planning, according to ISO 55.000. KPI's analysis, risk heatmap, inventory optimization;
• Fixed assets valuation (conservation state, useful lives and replacement values), basing on criteria defined by ASA (American Society of Appraisers), IBAPE (Brazilian Institute of Evaluation & Engineering Expertise) and standard ABNT 14.653. Machinery, Equipment and Real Estate;
• Business Valuations of tangible and intangible assets, according to income, market and cost approaches, and following the prescriptions of Brazilian Accounting Pronouncements Committee (CPCs: 01, 04, 15, 27 and 46).
• Conducted projects within clients in a wide range of industries (Food, Steel, Healthcare, Mechanical Components, etc). Trainee (Mar/2018-Oct/2018) and Jr. Consultant (Nov/2018-Jul/2019).

Mar 2018 – Sep 2018 · 6 mos · São Paulo, Brazil

Jun 2014 – Nov 2015 · 1 yr 5 mos · Brasil

• Rede CsF is a group of high-performance students dedicated to improve the biggest exchange program of Brazil's Government - Ciencia sem Fronteiras (Science Without Borders), a.k.a. Brazilian Scientific Mobility Program.

Feb 2013 – Nov 2013 · 9 mos · São João del Rei e Região, Brasil

• Engineers Without Borders (EWB) is a non-governmental organization (NGO) where engineering students can develop their capacity to assist poor communities in their respective countries and create a new generation of GLOBAL engineers.
• http://esf-brasil.org/conteudo.php?t=nucleo_sao_joao_del-rei&id=95

Aug 2012 – Sep 2012 · 1 mo · São João del Rei e Região, Brasil

• Teacher of Math, Physics and Chemistry for pre-university students.

Apr 2012 – Nov 2013 · 1 yr 7 mos · São João del Rei e Região, Brasil

• The Tutorial Education Program (PET) group consists of a tutor professor and 12 students who are recognized as the top students of the Mechanical Engineering course at Federal University of São João Del Rei. The group is supported by the federal government. The primary activities include: scientific research, technical visits, study groups, working together with the faculty and volunteer work.
• http://www.ufsj.edu.br/petmecanica/

Dec 2011 – Dec 2012 · 1 yr · São João del-Rei

• Trem Ki Voa is a group of Aerodesign of UFSJ, supported by SAE. The main tasks of the Department of Aerodynamics are: study of the contact between foils and fluids, simulations using specific sotwares (XFoil, XFLR) and the drag polar calculus.
• http://tremkivoa.com/

Jun 2010 – Jan 2011 · 7 mos · Bambuí

• Classification of costs in mechanized operations and alocation in cost cores, using the Activity Based
• Costing methodology. Preparation of data for management reports, interpretation with managers of the indicators of proficiency, like the cost by ton of CCT (Cut, Carrying and Transportation) and CTT (Cut, Transhipment and Transportation).

Apr 2010 – Jun 2010 · 2 mos · Bambuí

• Systematic registration and maintenance of the documentary collection of equipment, supply control of the fleet, control of expenses and payment of carriers using productivity criteria.

May 2009 – Jul 2009 · 2 mos · Arcos e Região, Brasil

• Control of payments, verification of balances by indicators like IGPM (General Index of Market Prices), data analysis, accounting, preparation of spreadsheets and forms to request funding.

Feb 2008 – Dec 2008 · 10 mos · Arcos e Região, Brasil

• Supervised internship in DCORE Interiores, a simulated company of CESBRASIL network, which branch is interior decoration. Integrated Logistics, Foreign Trade, Finance and Accounting, Marketing and Advertising, and Purchasing Management, as a partial requirement for approval on Technical School of Management Training - ETFG / SEBRAE.