Building credit, collections and customer service operations at scale.

CAREER

Nearly two decades. Ten-plus countries. One thread holding it together.

Customer service, credit recovery, and operations at scale — always on the frontier between technology and what it means to whoever is on the other side.

1. McKinsey & Company

   Collections Lab

   He joined the firm's global hub for collections excellence, headquartered in São Paulo. McKinsey's choice of Brazil as the base was no accident: the country has more than 60 years of mature credit market — bureaus such as SPC Brasil and Serasa emerged in the 1960s — and the complexity of the local economy (high interest rates, chronic delinquency, unstable macro cycles) turned Brazilians into a global reference in collections. He piloted digital tools, segmentation models and negotiation strategies across projects in Latin America, the United States, China and Europe, exporting to the world the know-how built in Brazil. Collections is not coercion — it is incentive architecture.

2. Mutant

   Pioneering digital collections in Brazil

   He led the build-out, from scratch, of one of Brazil's first 100% digital collections departments — designing the cadence, channels, contact models and operating playbook, setting standards much of the market still follows today. He also took part in the holding company's (Clash) M&A cycle, including the 2022 acquisition of Intervalor — one of Brazil's leading credit and collections players, spun out of Germany's Bertelsmann group (Arvato Financial Solutions) — and the accelerated post-deal growth, which projected R$ 200 million in revenue right after integration. The right channel at the right time returns the customer — and the payment.

3. TIM Brasil

   Default at scale, under market scrutiny

   He deployed strategies to reduce delinquency and involuntary churn in one of Brazil's largest telecom operations — more than 60 million active customers, a publicly listed company on B3, under quarterly market scrutiny. The challenge in mobile telecom is singular: low ticket, an extremely short recovery window (a customer switches carriers within days) and a structurally hard-to-recover debtor profile. Each point of avoided churn shows up in the share price. A recovered customer is worth more than a collected one.

4. Azul Linhas Aéreas Brasileiras

   Operations under pressure

   He worked in one of the most sensitive customer-service contexts in Brazil. Aviation runs with one of the highest call rates in any industry: every customer mid-journey — a delay, a missed connection, lost baggage, a cancelled flight, a problem at an airport on the other side of the world — needs a solution in minutes, not hours. A 24/7 operation, more than 100 destinations across Brazil, flights to the United States, Portugal and South America, with complex itineraries and real lives riding on each decision. The lesson that stuck: a good process is one that survives the worst-case scenario.

5. Principia

   Co-founder · VP of Operations · today

   He co-founded Principia, the AI Operating System for Education with embedded financial solutions, focused on Latin America. Today the ecosystem serves more than 760,000 students and 1,200 educational institutions, with more than R$ 2 billion in credit portfolio under management. He operates in a sector with massive structural challenges in Brazil — 57% dropout in higher education (61% in private institutions, according to Semesp's Mapa do Ensino Superior) and 1 in 3 students with tuition in arrears (Sponte/Linx). He leads operations, designing data-driven strategies that tackle the two biggest problems of Brazilian higher education: default and dropout. Principia is part of the Endeavor (ScaleUp Ventures) network.

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EDUCATION

• MBA in Business Management

  USP

• Master of Science in Emergent Technologies in Education

  Must University (2023–2025) — thesis on emerging technologies and predictive analytics for dropout prevention

• Certified Board Member

  Board Academy — PFCC (Board Director Training and Certification Program, 2025)

WHERE HE IS A REFERENCE

What he brings to your stage, your board, or your table.

1. 01

   Credit recovery & digital collections

   McKinsey Lab, Mutant, TIM, Principia.

2. 02

   Student credit risk & predictive models

   Underwriting with income uplift, ML, academic and financial data integrated.

3. 03

   Dropout prevention

   Predictive analytics and emerging technologies (master's thesis topic).

4. 04

   Operations at scale

   Data integration, ML, and generative AI across service and collections.

5. 05

   Fintech & payments

   Omnichannel, BNPL, embedded finance applied to education.

6. 06

   Corporate governance

   Board service, financial risk reading, communication with collegiate bodies.

7. 07

   Customer Experience (CX)

   CX integrated with financial operations.

8. 08

   Financial inclusion

   Democratising access to education through well-designed student credit.