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Work Background
MultiplierAppCOO & CPO
Nov. 2023São Paulo, São Paulo, BrazilCPO
• Led the definition and execution of the product strategy, for the development and launch of new features and modules.
• Led the revitalization of social networks, marketing and branding strategies.
• Collaborated with the implementation and fine-tuning of AI to assist internal teams in customer service, marketing and systems development.
• Lead the commercial agenda of corporate clients, promoting relevant partnerships and the presence of the brand in different sector events. COO
• Reorganized internal processes in the financial, customer service, customer support and legal areas, improving customer perception and promoting a 20% cost reduction in the first half of the year.
• Responsible for managing national and international suppliers.
• Reviewed and replaced the technology stack (systems, integrations, suppliers and architecture) to ensure the scalability of the business in a sustainable manner, both technically and financially.
NikyChief Product Officer
May. 2022 - Oct. 2023São Paulo, São Paulo, Brazil• Responsible for structuring the product team (selection, scope definition, training and management).
• Led the strategy and execution of the product portfolio restructuring, generating a 10x increase in transaction volume in 12 months.
• Led the full product cycle of the new flexible benefits payment product, from discovery to launch in July 2023, highlighting Niky as an innovative HRTech platform, simplifying payment, customization and benefits management.
• Responsible for optimizing the onboarding process for whitelabel customers, reducing the average implementation time from 180 to 45 days.
• Monitored strategic OKRs for portfolio management.
Stoppa & Soci ConsultoriaSenior Business Advisor
Oct. 2020São Paulo, BrazilStrategic consulting for the analysis, diagnosis, and structuring of new businesses and products. Focused on digital platforms and projects aimed at transforming mindsets through the implementation of governance processes, customer centricity, and technological innovation.
Executive as a Service.
PagBemBoard Member
Oct. 2020 - Mar. 2023São Paulo, São Paulo, Brazil
PagBemFounder | Products and Technology
Aug. 2015 - Mar. 2021São Paulo, São Paulo, Brazil• Responsible for the business concept and structuring the startup, initially overseeing Products and Technology, and from 2018 onwards also incorporating the Marketing area, directly responsible for the P&L of these departments.
• Led the design and technological development of the platform, selecting and managing software factory, enabling the operation to launch within 6 months. The development process included application selection for API integration, strategic evaluation and decisions on technologies used, as well as defining verticalization and outsourcing for various structures according to the digital maturity of each process.
• Managed operations, achieving revenues exceeding R$4 billion in 2020.
• Created the portfolio of digital products, customizing them for a portfolio of over 100 small, medium, and large-sized transportation companies.
• Designed the structure, hired and developed a multidisciplinary team, and led both direct and indirect teams.
• Responsible for the strategy, management, and increasing profitability of direct and indirect channels, including the sale of financial products for individual and corporate clients, offering Working Capital, Personal Loans, Receivables Anticipation, among others, and services such as Insurance, Assistance, and Healthcare.
• Designed and developed a POS application for closed-loop payment arrangements, including merchant accreditation and physical distribution on a national scale, even in rural areas. Adapted the application for loading wallet chip technology.
• Designed and developed a toll application (wallet chip technology) with versions for PC and POS systems.
• Conceived, created, and launched the Pagbem app, reaching 35% organic downloads among individual clients in the first 6 months, with over 50,000 active users.
• Approved and represented Pagbem before the National Land Transport Agency (ANTT) and AMPEF, ensuring ongoing compliance with applicable regulations.
Siga FacilProject and Operations Manager
Apr. 2014 - Jun. 2015São Paulo Area, Brazil• Project and Operations Management of the Freight Card for road freight payments, the company's main product, with an annual revenue of R$ 3 billion.
• Product Management focused on expanding the Freight Card and acquiring new business, optimizing revenues, reducing costs, identifying new markets, and managing customer relationships.
• Led the onboarding and implementation of new clients, identifying critical process improvements to drive the expansion of the Freight Card product.
• Developed, negotiated, and prioritized scopes with the payment provider, ensuring quality of deliveries and regulatory compliance.
• Prepared monthly financial reports and analyzed the performance of revenue and expense lines.
SupplierManager of Operations
Aug. 2005 - Jul. 2012São Paulo, São Paulo, Brazil• Responsible for the selection, development, and continuous evaluation of Operations and Customer Service teams. The implementation of effective talent development practices was essential to sustain the rapid growth of the operation.
• Management of multidisciplinary teams in the areas of BackOffice, Processing, Accounts Payable and Receivable, Custody, Litigation, and Supplier Contracts.
• Responsible for resource allocation and team scaling, ensuring that the Operations and Customer Service areas could keep up with the fast-paced growth and complexity of the operation while maintaining high levels of efficiency and cost control.
• Contributed to the development of the first private label purchasing card platform for the industry, playing a key role in the company's recognition through Innovation awards, such as Bungecard (2008) and VCMais (2010).
• Led the implementation of operational areas and processes for private label payments operations for both corporate and individual clients, including policies, procedures, and support infrastructure.
• Responsible for quality control, audits, cost optimization, and operational budget management. The implementation of rigorous control practices contributed to the scalability of the operation.
• Developed management reports to support decision-making and negotiated SLAs, KPIs, and contracts with major suppliers and business partners, such as Bunge, C&C, Votorantim, Gimba, Philips, among others. This ability to manage strategic partnerships was essential in driving the private label platform, allowing us to reach R$ 1 billion in transactions in less than 2 years.
Itaú UnibancoFinancial Analyst
Jan. 2003 - Dec. 2005São Paulo Area, BrazilResponsible for preparing the company’s annual budget and monthly forecasts, scenario analysis, and results assessments through monitoring financial and operational indicators.
Responsible for auditing suppliers. Key result: recovery of undue charges (R$ 2MM).
Itaú UnibancoBusiness Analyst
Jan. 2002 - Dec. 2003São Paulo Area, BrazilResponsible for preparing and distributing the MIS and commercial area indicators (Corporate – Private Label), consolidating and tracking the annual and monthly budgets, and providing support to the commercial area and partners. Prepared and managed management reports to support decision-making.
Itaú UnibancoProject and Requirements Analyst
Jan. 1999 - Dec. 2002São Paulo Area, BrazilOversaw projects related to personal credit cards, from scope definition to production implementation. Main activities: design, development, monitoring, and implementation of projects, including scope, approval, cost control, timelines, testing, and production go-live. Focus: new products and batch processes. System: Vision Plus.
American ExpressaOperations Intern (MIS)
Jan. 1998 - Dec. 1999São Paulo Area, BrazilResponsible for the preparation and analysis of management reports such as P&L by product, MIS (Management Information System), credit, collections, customer service, etc.
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