FERNANDA SILVA
Senior Banking Manager
São Francisco,California
Summary
BUSINESS BANKING CONSULTANT SENIOR Goal-driven banking professional well-versed in managing diverse customer needs with speed and efficiency. Maximizing satisfaction and bank revenue through hands-on service and support, knowledgeable product recommendations and persuasive communication skills. Familiar with diverse banking and investment products, deposit accounts and loans. Competent in setting up services, transferring funds and helping with complex transactions. Positive and upbeat with strong communication and problem-solving abilities. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
14
14
years of professional experience
10
10
years of post-secondary education
1
1
Language
Work History
Business Banking Consultant
05.2021 - Current
- Consulting for the Director of Human Resources, supporting strategic decisions related to his mandates, such as compliance with internal and external auditing, internal controls, and indexes, as well as subsidizing the decisions and representation in Committees and internal and external meetings and following projects during his management.
CAIXA ECONOMICA FEDERAL
02.2009 - Current
- CAIXA is a state-owned Brazilian bank and the largest government-owned financial institution in Latin America
Head of Product
05.2020 - 05.2021
- Responsible for the credit area in the business sector (2 million clients and a credit portfolio of around U$ 10 billion), coordinating a team of 25 employees
- Success in structuring the concession of credit products in digital channels for micro and small businesses (gross annual revenue of up to U$ 1,5 million), including implementing a new credit line launched by the federal government in Brazil called PRONAMPE (National Program for Small Businesses Credit)
- Development of credit processes, concession strategies, and credit maintenance
- Successful action in the compliance processes and governance under her management while complying with bank standards
- Implementation of projects for the automation of credit systems and structuring of bases with pre-approved credit for prospects/clients, with an increase in automated decisions from 50% to 70% for proposals with values of up to U$ 20 thousand, with better management of the default rates of contracted credit operations
- Promotion of partnerships with important stakeholders, such as the National Confederation of Industries (CNI), Ministry of Cities, and the National Federation of Commerce, and participation in Brazilian Federation of Banks (FEBRABAN) Committees
- Establishing criteria for judgmental credit analysis
- Establishing guidelines for implementing a credit guarantee fund (deposit insurance) for micro and small businesses.
Strategy Manager
09.2017 - 05.2020
- Responsible for managing the lifecycle of credit products for micro and small businesses, including the conception of the product in the channels, document analysis for approval, maintenance, system parameterization, guarantee management, financial results, non-payment, compliance, governance, data analysis for the elaboration of strategies, leading a team of 5 employees
- Success in the management of credit portfolio for micro and small businesses of around U$ 4,6 billion, achieving a contribution margin of U$ 54 million in the period, a successful increase in the contribution margin of more than 50% and an increase in market share from 8% to 14% in one year.
Project Manager
05.2014 - 09.2017
- Responsible for the support of the Retail Director with the elaboration of studies that subsidize strategic decisions of significant national impact, management of approximately 2,000 projects a year together with 350 employees through project management tools, evaluation support for the development of workers, and monitoring of the performance of their business goals within the retail network
- Coordinated an internal training project involving branch employees throughout Brazil with the objective of implementing strategies from the bank’s headquarters in Brasilia
- Communication of strategies and new retail product guidelines for branches
- Support the Retail Director’s decision-making with data, presentations, and specific tools, analyzing documents related to governance and compliance, including auditing with internal and external agents with the Central Bank
- Elaboration of official internal and external communication documents for the retail directory with significant national impact and media coverage.
Client Relationship Manager
10.2012 - 05.2014
- Responsible for a client portfolio of around 500 companies that needed financial products and services to meet their needs, such as working capital loans, equipment and machine acquisitions, payment methods, sales anticipation, payroll, bank fees, insurance, and others
- Leadership and coordination of 5 people delivering products and services for clients and prospects
- Client prospecting in an innovative way between accounting firms and law firms in the region
- Achieving the company loan targets with an average of U$ 400 mil per month.
Education
BACKGROUND - undefined
University of Liverpool
Master - Governance, Innovation, and Information Technology
01.2022 - 05.2024
Finance and Capital Markets
Brasília Catholic University, CAIXA
01.2020 - 05.2021
Business Administration
Getúlio Vargas Foundation, New York University, CAIXA
01.2013 - 05.2014
Bachelor’s degree - Information Systems
Getúlio Vargas Foundation
01.2006 - 05.2007
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Faculdades Integradas do Oeste de Minas Minas Gerais
01.2002 - 05.2005
Skills
Considerable experience in credit analysis, policy, bank regulation, governance, portfolios, client strategy and products, fraud prevention, and credit risk managementundefined
Timeline
Master - Governance, Innovation, and Information Technology
01.2022 - 05.2024
Business Banking Consultant
05.2021 - Current
Head of Product
05.2020 - 05.2021
Finance and Capital Markets
Brasília Catholic University, CAIXA
01.2020 - 05.2021
Strategy Manager
09.2017 - 05.2020
Project Manager
05.2014 - 09.2017
Business Administration
Getúlio Vargas Foundation, New York University, CAIXA
01.2013 - 05.2014
Client Relationship Manager
10.2012 - 05.2014
CAIXA ECONOMICA FEDERAL
02.2009 - Current
Bachelor’s degree - Information Systems
Getúlio Vargas Foundation
01.2006 - 05.2007
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Faculdades Integradas do Oeste de Minas Minas Gerais
01.2002 - 05.2005
BACKGROUND - undefined
University of Liverpool
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