Remote worker with 14+ years of experience - Last seen 9 months ago

Professional with over 13 years of experience in credit portfolio management, pricing, profitability, and risk policies in major financial institutions, including Banco Mercantil, Santander, Banco BV, Mutual, and Juvo.

Currently, I manage a portfolio exceeding R$ 18 billion in Personal and INSS Payroll Credit, conducting profitability analyses (ROE, NII, NIM, and Net Income), preparing P&Ls (Product, Client, and Institution), and performing price-demand elasticity tests to optimize margins and drive sustainable growth.

Consolidated experience in:

Definition and adjustment of credit granting policies, collections, and maintenance of credit limits.

Structuring financial operations through debentures and FIDCs, from company presentation to credit raising and assignment.

Statistical analyses and modeling (Credit Score, Behavior Score, Collection Score) applied to risk control and portfolio expansion.

Development of executive reports and strategic presentations for C-Level executives and investors.

Advanced utilization of data and BI tools: Python, Power BI, Snowflake, SAS, R, QlikView, Tableau, Oracle, and Sybase.

Data-driven approach, focusing on maximizing profitability, controlling PDD and PD, optimizing the credit cycle, recovering losses, and supporting strategic decision-making.

Passionate about transforming data into consistent and scalable financial results.

🛂 Nationality	🇧🇷 Brazil
🏡 Residency	🇧🇷 Brazil
📍 Location	🇧🇷 Brazil
Remote OK	rok.co/@ericksilva
Telegram	sdfljasfjkhsdfajsf ⭐️ Upgrade to Premium to contact
LinkedIn	sdfljasfjkhsdfajsf ⭐️ Upgrade to Premium to contact
Instagram	sdfljasfjkhsdfajsf ⭐️ Upgrade to Premium to contact
Skilled in	data statistical modeling data science credit policies pricing pricing strategies financial analysis profitability personal credit payroll credit collections business intelligence big data predictive analysis machine learning credit score price demand elasticity portfolio management credit risk financial performance profitability indicators roe nii nim raroc risk modeling credit recovery credit cycle collection strategies fintechs startups digital transformation python r power bi tableau snowflake sql quantitative analysis artificial intelligence ai startups data engineer dax excel analytics
Fluent in	portugueseenglishspanish
Last seen	9 months ago
Signed up	9 months ago
Badges	👨‍💻 Remote worker