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Work Background
BradescoSr Manager
Mar. 2024 - Aug. 2025Leads the technical strategy for delinquency monitoring and collections performance analysis across all banking
products. Manages the loan loss provision (BRGAAP and IFRS9) budget, concentrating on process automation, data
architecture, and development of analytical solutions.
Key achievements:
• Redesigned the team structure through process mapping, bottleneck identification, and scope redefinition —
resulting in a 25% reduction in operational activities and a strategic reallocation of analytical resources.
• Planned and led the migration of dashboards to a cloud-based architecture (Databricks), focusing on
performance, data governance, metric reusability, and financial efficiency. Implemented FinOps practices for
ongoing cost optimization, proactive consumption monitoring, and prioritization of critical business workloads.
• Provided technical leadership in applying machine learning models for dynamic customer segmentation,
enhancing credit recovery strategies and improving financial performance.
• Deployed an automated alert and monitoring system for population deviations, eliminating manual processes
and increasing speed and accuracy in portfolio management.
• Played a strategic role in establishing partnerships with vendors and fintechs, accelerating key deliveries through
specialized technical support and fostering internal capability-building.
• Accountable for defining, cascading, and tracking the area’s OKRs, while also providing technical direction for
initiatives across the department’s squads.
• Implemented a new knowledge-sharing routine, including monthly case review sessions to consolidate learnings
and best practices, with structured documentation in Confluence to strengthen analytical governance and
alignment across squads.
BradescoGerente de Ciência de dados || Data Science Manager
Jun. 2021 - Mar. 2024Led the data science team focused on credit recovery, delivering insights and predictive models to support collection
strategies. Strong presence in applied statistics, machine learning, and reuse of analytical assets.
Key achievements:
• Developed and deployed machine learning models for delinquency prediction, improving risk segmentation and
supporting strategic decisions at the executive level.
• Implemented the Customer Data Quality Score, prioritizing contact attempts based on data consistency, which
increased collection efficiency.
• Technical monitoring and evaluation of the debt restructuring product, focusing on pricing based on funding
cost, credit risk, expected return, and opportunity cost. Ongoing assessment included macroeconomic scenario
simulations, adjustments to terms and interest rates, and the development of executive and operational reports
for strategy and product teams.
• Designed the Legal Action Timing Model for auto-collateralized clients, optimizing judicial filings by considering
risk, recoverable value, and repossession probability.
• Created the Cure Model for non-performing personal loans, enabling provision reduction and portfolio
improvement.
• Established the first internal Feature Store, centralizing reusable attributes to enhance data scientist
productivity, standardizing analytics processes, and reducing development and monitoring cycles.
BradescoGerente MIS de Cobrança e Ad Hoc
Oct. 2016 - May. 2021Oversaw collection KPIs and conducted ad hoc studies to maximize credit recovery.
Key achievements:
• Built the Hot Phone Base, increasing initial contact efficiency by up to 10%.
• Refactored outsourced operations reporting processes, boosting transparency, reliability, and frequency.
• Delivered analytical studies that directly influenced credit recovery policy, including legal collection insourcing
and tailored strategies for over-indebted clients.
• Designed the “Through the Door” model to classify new debtors based on behavior and risk profiles.
• Prepared and pres
HSBCEspecialista II de Risco
Apr. 2013 - Oct. 2016Applied statistical techniques in the development of credit risk models (origination and behavioral scores) and
regulatory models. Defined and analyzed new data structures for modeling.
HSBCGerente de Crédito
Mar. 2012 - Mar. 2014Curitiba e Região, Brasil
HSBCEspecialista I de Risco
May. 2010 - Mar. 2012
Itaú UnibancoAnalista de Risco Operacional
Aug. 2007 - Apr. 2010
TelefonicaAnalista Econômico Financeiro
Aug. 2005 - Jul. 2007
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