Download PDF


15-year career developed in the commercial, business development, products, risk and operations areas in organizations such as: LOSANGO (HSBC) and FININVEST (UNIBANCO) Experiente in: § Commercial team management for prospecting and maintenance of key accounts and start-up of financing operations § Consumer finance market for retailers and individuals § Coordination of financial partnerships for card operating agreements (Profit Share) with retailers § Management of the Petrobrás card § Leadership of the process, quality, product and project areas, as well as support to the commercial area § Products such as credit cards (Private Label and Hybrid), personal loans and direct consumer credit (CDC)

Work experience


Commercial Superintendent of Cards

§ Reporting to the CEO, managed the commercial area of cards with annual revenues of R$ 1.7 billion. § Coordinated the commercial relationship of co-branded cards (Private Label and Hybrid cards) with retailers nationwide through a team of 20 people distributed in four regional departments, which increased revenues 127% in 2008. § Prospected large-sized clients, financially negotiating Profit Shares and interfacing with shareholders and retail advisors. § Identified opportunities for commercializing other businesses with clients, diversifying the product portfolio. § Defined and implemented commercial strategies to increase Losango card revenues, which will present results in 2009. § Recovered trust and commercial relations with retailers. § Represented the area in business, product, Profit Share partnerships and executive committees.

Cards Superintendent

§ Led the products, projects, processes, quality and commercial support areas interfacing with Visa, CSU processor, technology companies and Call Centers to commercialize cards, increasing total card revenues by 100% in 2007. § Defined and implemented the commercialization strategy for the Losango Visa card. § Provided support to the processes and quality, projects and products areas in their delivery as planned, focusing on cost reduction projects in the credit areas.

Cards Structured Business Manager

§ Managed the Petrobras Card integrating the internal card areas and external suppliers, increasing the activated card base and revenues, making it Losango’s main client in 2006. § In conjunction with the client, developed internal incentive campaigns and new consumer conquering campaigns, including: Pan-American Games Campaign, Petrobras Card F-1 Grand Prix, Self-sufficiency campaign and the One year of free gasoline campaign.

Business Development Manager

§ Captured, implemented and maintained Losango CDC’s Corporate Accounts nationwide. § Closed Handset financing agreements with three of the main companies in the mobile phone market (Oi, Claro and BrasilTelecom). § Serviced commercial needs and developed tools for controlling subsidies, transforming the Oi financing operation in the company’s main account at the end of 2003. § Developed an incentive campaign among dealers called Olimpíada Oi Atende, increasing annual revenues by 20% during that period.

Sr. Risk Analyst (01-00), Customer Service Coordinator (99), Operational Control Coordinator (98)...

Sr. Risk Analyst (2001-2000), Customer Service Coordinator (1999), Operational Control Coordinator (1998-1997), Product Analyst (1996-1995) and Intern (1994). § Managed the credit risks of corporate accounts, developing and implementing new credit and procedure policies, aimed at controlling delinquency. § Coordinated the team responsible for the financial settlement of client accounts (monthly movement of R$ 2 million). § Implemented the credit based on trust project, improving relationship quality with clients. § Organized the Operations Department’s management information, facilitating decision-making processes. § Built and coordinated the team responsible for registering store clients and the financing interest rate tables in Fininvest’s systems, supporting the credit operation’s growth after inflation stabilized in the country.


Bachelor’s Degree in Law

Universidade Cândido Mendes

Executive MBA Program in Business Administration

Ibmec Business School