Nadia Lanny Lopes

Brazilian/Italian citizenship, married, 39 years old, 18/09/1983

Avenida Itacira, 1295, Planalto Paulista, São Paulo/SP

Mobile: +55-11-995**-****

e-mail: ad0zzf@r.postjobfree.com

Academic Background:

• Master of Business Administration (MBA), Behavioral Economics – FIA – 2024

• Master of Business Administration (MBA), Corporate Finance – FGV – 2013

• Pós Graduação, Business Administration – FGV – 2011

• Undergraduate Degree in Economics – UFRGS – 2009

Main Qualifications:

• More than 15 years experience in the financial area, structuring and managing financial operations (credit, collection, prevention and fraud detection and reconciliation) in several segments (Educational, Fintechs, Financial - Credit Card, Industry, Services and Telecommunications)

• Great experience in selection, customization and implementation systems and tools for business management to increased level of control, including ERP (SAP), credit decision management platform, collections management system, and others

• High functional flexibility, with previous experience in Auditing, Commercial Planning and Supply Chain

• Native Portuguese and advanced English

PROVU – (Jun/22 – Present) – A fintech company that provides online payment solution such as credit and loan facilities.

Position: Collection Director

Main Responsibilities:

• Report to CRO

• Develop new collections channels, selection and implementation of new tools and digitization of processes and journeys

• Ensure that internal governance and financial planning are administrated effectively

• Responsible and supervise day-to-day Collections operations (in-house and third parties)

• Creating effective Collections procedures, policies, and standards (SOP)

• Work with the Collection Leaders and drive collection performance at the associate and frontline manager levels

• Implement a structured process of continuous improvement and innovation to reduce delinquency and losses, reduce non-interest expense and increase productivity

• Reduction of overlapping activities working in synergy with other operational areas of the company

• Innovation and development of collection products

• Develop, implement, and communicate daily and monthly dashboards, delinquency ratio, loss, collector, and others reporting

• Managing the approved budget of the Collection department and work to find opportunities to reduce costs and increase the service level

• Prepare management information summaries and performance analysis of collection results.

QUALICORP – (Jun/21 – Jun/22) – A Brazil-based company primarily active in the healthcare insurance sector. The Company focuses on administrating and managing healthcare plans, including group health and dental insurance. Its activities are divided into two areas: Affinity and Corporate.

Position: Customer Service, Loyalty & Retention and Collection Sr. Manager

Main Responsibilities:

• Report to COO

• Responsible for managing internal team and the third part operation

• Responsable to structure the the first end-to-end early debt collections operation and to roll them out

• Responsable to structure and manage of root cause diagnosys area to support the retention client strategy

• Adoption and consistent implementation of best practices for managing customer experience, service, quality and efficiency

• Management the main area KPIs (Churn, NPS, FCR, AHT)

• Diagnosis and construction of action plans for the consistent achievement of the goals and objectives of contact center operations

• Design of corrective actions for weak processes and underperforming areas

• Implementation of the COPC® VMO Management Model in internal operations and BPOs

• Leadership of the collection structuring project focusing on reduce early debt and involuntary churn

• Interface with support areas of WFM, Real Time, Quality and Training, Control and Management for latent demands of the operation

• Mapping opportunities and developing action plans together with the strategy, marketing and product areas to reduce churn

• Management of the VMO team

ID FINANCE – MONEYMAN – (Apr/20 – Jun/21) – A data science, credit scoring and digital finance company that is servicing the massive structural consumer demand for credit unmet by incumbents in emerging markets.

Position: Head of Collections & Customer Service

Main Responsibilities:

• Report to CEO, dotted line to Global Head of Collection

• Responsible for managing debt collection agencies and the internal team

• Review and approval collection policies

• Planned activities, standardized operations, managed processes, negotiated contracts, created partnerships

• Development of collections campaign for debtors, and incentive campaign for collectors, to leverage collection cash in.

• Collection product specification for the DEV team (restructuring and rollover).

• Definition of KPI's of financial and operational performance, and monitoring of results and financial goals

• Preparation of presentations to CEO, founders and internal committees

• Prospecting potential buyers and structuring the portfolio sale, run off and business closing - closure of lending activities in Brazil

• Conducted the overall portfolio sale process.

KROTON EDUCACIONAL – (Sep/17 – Apr/20) – The largest private educational company in the world, has more than 2 million students, located in all Brazilian states, with revenue from BRL 5.6 billion

Position: Sr. Credit & Collection Manager

Main Responsibilities:

• Report to Credit and Collection Director

• Responsible for managing call centers, collection agencies, law offices, internet negociation portals, digital collections offices, operating in all delays, including active and receptive channels of communication and fixed and variable salaries, for B2C and B2B collection

• Manage the outsourced colection operation with more than one thousand employees

• Review and approval credit and collection policies

• Collection of an average monthly portfolio of approximately BRL 4 billion, from active and inactive students (2 millions clients PF), about a hundred franchisee and more than 10 thousands clients (PJ), and government

• Budget control (over BRL 50 million per year)

• Planned activities, standardized operations, managed processes, negotiated contracts, created partnerships

• Definition of KPI's of financial and operational performance, and monitoring of results and financial goals

• Preparation of presentations to CFO and internal committees

WHIRLPOOL LATIN AMERICA – (Oct/14 – Sep/17) – An American multinational manufacturer and marketer of home appliances, whith an annual revenue of approximately USD 20 billion

Position: Financial Operations Manager - Credit & Collection, Fraud and Billing (OTC)

Main Responsibilities:

• Reported to Senior Manager

• Responsible for Credit, Collections, Fraud, Billing of 200 thousands clients (PF and PJ) and Reconciliation

• Review and approval of all credit and collection policies (for Individuals and Legal Entities) of BU Profit Pool

• Monitoring of the loan portfolio aging and collection of overdue amounts

• Interface with credit bureaus, collection offices, call centers, prevention and detection of fraud companies, credit card processing and financial institutions

• Strategic management of the collection through automatic direct debit, credit card slips and bank deposits

• Responsible to act together sales channels and ecommerce, preventing the fraud, chargeback reduction and increase approval ratings (sales conversion)

• Development and monitoring KPI's and control suppliers’ SLA's

• Budget control (over BRL 6 million per year) and monitoring of goals and results

• Preparation of presentations to senior management and internal committees

• Definition and specification for systems and tools' selection and implementation in conjunction with IT

GLOBAL VILLAGE TELECOM (GVT) – (Jul/14 – Oct/14) – A Brazilian telecommunications with an average annual revenue of USD 2.0 billion in 2012 and 17.000 employees, over 7.8 million clients

Position: Collection Coordinator

Main Responsibilities:

• Reported to Senior Manager

• Created and controlled budget (over BRL 25 million per year)

• Planned activities, standardized operations, managed processes, negotiated contracts, created partnerships

• Developed and managed collection guidelines

• Managed team, with 2 people (analysts)

VERDECARD - VERDE ADM. DE CARTÕES DE CRÉDITO S.A. - ADVENT INTERNATIONAL – (Jan/12 – Fev/14) – A Brazilian credit card company, with an average annual revenue of BRL 36 million in 2013 and over 2 million clients

Position: Collection Manager

Main Responsibilities:

• Reported to General Manager

• Responsible for managing collection agencies, with active and receptive channels of communication

• Collected an average portfolio of BRL 233 million, with an average monthly recovery of BRL 2 million

• Created and controlled budget (over BRL 5.5 million per year)

• Planned activities, standardized operations, managed processes, negotiated contracts, created partnerships

• Defined and monitored goals

LOJAS QUERO-QUERO S.A. - ADVENT INTERNATIONAL – (Jan/10 – Dez/11) – Large retail company with a BRL 650 million revenue in 2011 and 212 stores in South Region

Position: Replenishment Manager – (May/11 – Dec/11)

Main Responsibilities:

• Reported to Commercial Director

• Managed replenishment of the company's two Distribution Centers

• Planned and monitored activities for supplying the Distribution Centers

• Inventory control (over BRL 90 million per month with an average of 40,000 SKUs)

• Oversaw SLAs with suppliers, developed and monitored KPIs

• Administered department budget

• Controlled purchasing budget (OTB - Open to Buy) for each product category (BRL 40 million monthly)

Position: Commercial Planning Trainee – (Jan/10 – May/11)

Main Responsibilities:

• Reported to company President

• Drafted and analyzed reports on business processes

• Forecasted and planned stock purchases (40,000 SKUs)

• Defined ABC classification of items sold by the chain

• Created and managed KPIs (Daily Performance, Evolution of Stock Mix, Price Consistency, Margins)

• Worked on pricing control

SIDERAL TRANSPORTE E LOGÍSTICA LTDA. – (Apr/08 – Sep/09) – Small family-owned company in the road transportation industry with a BRL 6 million revenue in 2009. Operated nationally with 10 large trucks

Position: Finance & Administration Manager

Main Responsibilities:

• Reported to company President

• Managed accounts payable and accounts receivable

• Selected and negotiated price tables and supplier deadlines and oversaw contracts

• Managed the fleet's financial performance

• Maintained relationships with financial institutions

• Defined administrative framework for staff

DELOITTE TOUCHE TOHMATSU – (Jul/05 – May/06) – Large multinational company in the Auditing, Consulting, Corporate Finance and Outsourcing sector with a BRL 30 billion global revenue and 190,000 employees

Position: Auditing Assistant

Main Responsibilities:

• Reported to Senior Account Auditor

I SQL * PLUS and Fundamentals II - PL / SQL language - Target Trust - Porto Alegre - 2014

• English - International House - Vancouver - BC - Canada - 2013

• Credit Risk Management - GoOn - Porto Alegre - 2013

• Collection and Negotiation Techniques - Câmara de Dirigentes Lojistas - Porto Alegre - 2012

• DL - Development and Leadership - INEXH - Porto Alegre - 2012

• Sales Force Management - FGV - Porto Alegre - 2011

• Consumer Behavior - FGV - Porto Alegre - 2011

• Product Categories Management and Structuring - Juracy Parente (in company) - Porto Alegre - 2010

• Advanced Access - SENAC / RS - Porto Alegre - 2010

• English - Yázigi Internexus - Bradenton - FL - USA - 2001

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