Redesplan Adm de Cartoes S.A.Risk Manager
Oct. 2008 - Nov. 2011Brazil, FortalezaLed a company-wide turnaround strategy across risk, fraud, and operations. Implemented new scoring models (acquisition, maintenance, and collections) and redesigned credit decision flows, improving decision accuracy and accelerating time-to-market. Drove a performance-based culture in collections through aggressive, goal-driven incentives. Result: 50% reduction in NCL and more than doubling of Gross Credit Margin over three years.