Financial Analyst Manager

FERNANDO PEREIRA

434-***-**** • **********@******.********.*** • linkedin.com/in/FernandoPereiraProfile EDUCATION

University of Virginia Darden School of Business – Charlottesville, VA May 2020 Master of Business Administration, Full-Time MBA, Specialization in Management Science STEM OPT Eligible

• Corporate Finance Focus (Classes: Financial Statement Analysis, Corporate Finance Policies, Data Science in Business)

• MBA Clubs: Fintech Club, Technology Club, and Data Science Club Insper – Instituto de Ensino e Pesquisa – Sao Paulo, Brazil June 2011 Bachelor in Economics, magna cum laude

• Awarded scholarship for the whole 4-year program (40% of tuition)

• Chosen by peers to receive “Collaborative Honor” for distinguished contribution to other students’ learning experience

• Earned national award for financial reporting and pricing strategies for AIESEC Insper, an exchange student club EXPERIENCE

Darden School of Business – Charlottesville, VA May 2020 – Present Finance Research Associate

Used financial modelling techniques to assess fairness on $375M deal, working with investment banking MD to improve classes. Earnest (Financial Services) – San Francisco, CA June 2019 – August 2019 Credit Risk & Analytics Intern

Earnest is the second largest Fintech with focus on the student loan refinance industry with $6B loans in the market. As an intern, used data analytics to explore opportunities to increase portfolio and revenue growth in fast-paced environment

• Partnered with CFO, Product, and Legal to test customers’ credit sensitivity, finding $5M+ of lending opportunities Itaú Unibanco (Financial Services & Banking) – Sao Paulo, Brazil August 2011 – May 2018 Senior Credit Risk Portfolio Management Financial Analyst October 2015 – May 2018 Led credit risk process improvement strategy in $155B portfolio for the largest bank in Latin America ($65B market cap)

• Led risk management support engagement on team of 8 in business partnership with Accounting, Product, Operations and Economics, creating the first data-driven sector governance for 2.5M clients and improving customer relationship

• Spearheaded partnership engagement with Operations and Engineering in team of 5 to consolidate the conglomerate formation business process, connecting with vendors, and improving credit risk compliance management standards

• Performed with Excel 20+ quantitative analysis on bank’s credit portfolio geographic distribution, developing performance metrics, root cause analysis, and strategic credit forecasts for different regions while proposing risk mitigation initiatives

• Structured new monthly credit risk senior committee focused on analytics for large companies in collaboration with cross- functional teams, recommending tools and metrics to improve credit strategy, forecasts, and reports on analytical findings

• Created course committed to financial metrics analysis and Itaú’s strategy, teaching it with a colleague to 60+ employees Country Credit Risk Management Analyst October 2013 – October 2015 Managed bank’s cross-border limits and transactions in portfolio comprised of 56 countries and $60B credit exposure

• Influenced with communication skills and ethical standards the bank’s process to increase cross-boundary underwriting in monthly committees with executives, improving credit analysis and financing fixed income and equity decisions

• Delivered 100+ Ad Hoc research and risk frameworks analysis using customer data and due diligence on business units’ requests to operate with specific countries, influencing leaders via verbal communication and bringing $500M+ impact

• Self-starter and highly dedicated to continuously improve operations, proactively created algorithm to automate PowerPoint decks for monthly committees, testing product features and saving 16 hours of monthly operational tasks

• Turned weekly country financial reporting into daily, improving design, decision-making, compliance, and field support Credit Risk Management Model Developer August 2011 - October 2013 Developed and improved credit risk models for medium and small companies in a portfolio of 2M clients and $16B credit risk

• Developed analytical quantitative statistics models for Doubtful Accounts Provision in $600B Balance Sheet, improving models’ discrimination through quantitative analytical skills and uncovering new variables to articulate customers’ profile

• Built robust data lake using analytics, adding 300+ tables available to improve credit risk modeling with new data sources ADDITIONAL INFORMATION

• Software proficiency: SQL (7 yrs), SAS (7 yrs), VBA (7 yrs), Eviews (2 yrs), Tableau/PowerBI (2 yrs), Python (2 yrs)

• Financial literacy passion: started NGO on financial education, leading 60 volunteers with impact on 800+ Brazilians

• Earned CFA Level I

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