Regenerative investing
Working with people, ideas, design and projects which aim is to regenerate ecosystems and aid in the transition to bioeconomy through a systemic approach and regenerative logic in private equity investments.More...
João Ribas
Director of Technology and Credit@Ali Crédito
Verified
Led 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.More...