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Work Background
Ali CréditoCoFounder, Director of Technology and Credit
Mar. 2021 - Sep. 2024São PauloLed cross-functional teams of 32 people in credit, product development, and technology, with a focus on delivering maximum value to customers through high performance and scalable solutions. - Technology: With 3 squads working with Data, Channels and Core Systems, utilizing cloud AWS and languages like Python, Node, .NET, with Databases Postgresql, MariaDB, Mongo and S3 we built the entire foundation and Growth of Ali. - Credit Operations: Lead the origination of over BRL 200MM in private payroll loans for top-tier clients such as Deloitte, Três Corações, and Ernst & Young, achieving high profitability with controlled loan loss provisions (PDD). - Credit Models & Backoffice Automation: Designed and implemented scalable credit models, portfolio management, and collections systems. Developed robust back-office processes to ensure operational efficiency and scalability, reducing the number of incidents to zero. - CRM & Automation (HubSpot): Directed the CRM strategy, leading the team in creating customer relationship automations, ensuring a customer satisfaction rate of 98% and a conversion of +70% of the SQL in Customers. - Product Development: Managed the creation of B2B and B2C tools such as commercial process solutions (e.g., cost savings projection tools) and consumer-focused products like the “Economizômetro,” a smart debt exchange tool. - Leadership & Execution: Known for a hands-on leadership style, I led by example, actively participating in strategy and execution. Focused on results, I worked closely with teams as both a leader and subject matter expert.
Ali CréditoHead of Credit Risk and Performance
Sep. 2019 - Mar. 2021- Designed and optimized credit risk management strategies, balancing risk and growth.
- Managed credit risk analytics, data-driven portfolio monitoring, and performance tracking.
- Implemented risk models that enhanced underwriting processes, reducing default rates.
DForceEntrepreneur
Oct. 2017 - Apr. 2019São Paulo- Founded a startup focused on fuel economy for trucks.
- Developed the product concept, tested prototypes, and led pilot implementations, but eventually decided to close the project due to market challenges.
Partido da Social Democracia BrasileiraStudent Movement Secretary
Jun. 2015 - Aug. 2016São Paulo Area, BrazilActed as the Student Movement Secretary for the youth division, leading initiatives to promote student engagement and political participation.
Grêmio Náutico da USPTreasurer
Oct. 2014 - Oct. 2015São Paulo Area, BrazilCo-founded the Grêmio Náutico da USP, expanding the student sailing group.
Managed finances and fundraising, contributing to the club's growth.
Universidade de São PauloStudent Representative
Mar. 2014 - Jun. 2015Brazil- Actively participated in the Budget and Patrimony Commission, contributing to financial planning and resource allocation for the university.
- Played a key role in launching USP's first Voluntary Resignation Program, collaborating with university leadership to address budget challenges and optimize resource management.
- Engaged in decision-making processes that impacted the long-term sustainability of the institution’s financial and asset management policies.
Genoa DSConsultor
Jan. 2014 - Sep. 2019São Paulo e Região, Brasil- Provided consulting in the simulation and optimization of complex logistics systems, focusing on process modeling, pricing, and route optimization.
- Delivered client solutions using AnyLogic software for advanced simulations and decision-making.
- Conducted data analysis and built decision-support systems to improve operational efficiencies.
Grêmio de Vela da USPPresident
Jun. 2013 - Oct. 2014São Paulo Area, Brazil- Led the sailing group, organizing academic and social events, and represented student interests in university-level discussions.
- Managed logistics and operations for sailing events, growing participation among engineering students.
CEN - Poli/USP - Centro de Engenharia NavalPresident
Apr. 2013 - Apr. 2014São Paulo Area, BrazilSmall-Scale Management with Broad Responsibilities:
Gained experience managing and organizing a variety of events, both academic and social. Also responsible for coordinating and delivering presentations and seminars. Played a key role in student representation, actively contributing to course improvements and academic development.
Instituto de Pesquisas TecnológicasScientific Researcher
Mar. 2010 - Nov. 2011São Paulo Area, Brazil- Developed a sustainable wax-based process for precision mold-making for scale ship models.
- Led the research project, which aimed to replace traditional manufacturing methods with more eco-friendly alternatives.
Colégio UniversitasMathematics Teacher
Jan. 2007 - Dec. 2007Santos, SP- Taught mathematics to elementary students preparing for scholarship exams.
- Engaged in a special program aimed at showcasing the school's academic excellence and encouraging students to strive for scholarships.
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