Bruno Caldas, MBA.

Experience

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  Resistência Física Ltda.

  Dec 2005 - Dec 2007

  Customer Service and Administrative Supervisor

  Responsibilities included personnel payroll, accounting, and supervision of contracts, people management and recruiting. Provided excellent customer service to existing and prospective clients. Performed all related administrative duties according to procedures.

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  My own business

  Jan 2006 - Dec 2009

  Owner & Event Producer

  Planned events and was responsible for dealing with all the suppliers, market research, accounting, partnerships and sponsorships, and marketing.

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  Banco do Brasil

  Feb 2008 - Aug 2009

  Business Analyst

  Assisted in the development of new strategies and products, such as mutual funds systems and retirement plans. Engaged with the board of directors to determine business priority and action plans to build an attractive product that was appealing to the client needs.Focal point to solve issues related to the products.

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  HP

  Apr 2010 - Feb 2011

  Credit Analyst, Financial Analyst I.

  Responsibilities involved analyzing orders for all the accounts in CACPR & Colombiaand evaluate if it was possible to release the order or not based on Credit policyguidelines. In addition, I served as a backup for the entire sub-region. Develop reportsdetailing the status of the credit order for stakeholder`s review.

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  Hewlett Packard Enterprise

  Feb 2011 - Jun 2016

  · Led the negotiations to reduce the debit exposure of top-tier clients, reintegrate their businesses, and help mitigate the risk of default.· Supported the collections team to recover outstanding payments by negotiating personalized payment plans while positively managing the client’s relationship.· Participated in activities such as accrual and reserve analysis, revenue targets, contributing to revenue and profit maximization.· Analyzed customer accounts receivable and potential bad-debt situations, negotiating payments, meeting deadlines, and improving the company’s cash flow. Show less Analyzing customer’s financial situation to determine credit line and risk rating, appropriate credit levels and managing accounts receivables. Assess different circumstances and makes recommendations, applying subject matter knowledge to solve a variety of business issues, works on problems projects of moderately complex scope, exercises independent judgment within company practices and procedures to determine appropriate action and acts as an informed team member providing analysis of information and limited project direction input. Show less

  • Financial Specialist - Relationship Management.

    Aug 2015 - Jun 2016

  • Credit Analyst - Latin America Retail and Channels Portfolio

    Feb 2011 - Jul 2015
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  Zoetis Inc.

  Jun 2016 - Aug 2017

  Credit Risk - Change Management, Senior Analyst.

  · Spearheaded the migration of all credit processes from the regional offices in Brazil to the LATAM headquarter in Costa Rica.· Collaborated with cross-functional internal teams and external stakeholders to resolve complex issues and disputes affecting customer payments.· Assessed the financial condition of Latin American customers to determine credit limits and risk ratings, effectively managing accounts receivables.· Evaluated unique scenarios, providing credit recommendations and mentoring Collections and Sales teams in credit matters.· Demonstrated leadership in problem-solving within a complex scope. Show less

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  Scotiabank

  Nov 2017 - Aug 2018

  Customer Service & Sales Representative

  • Establish an exciting and welcoming affair for prospective clients on entering the bank, supplying with relevant information on products and services available in the bank.• Assisting customers with daily cash inquiries which includes accepting credit slips, sorting of checks, and ensuring a balance in all transactions at the end of the working period.• Handling complaints and requests from customers and resolving the issues pertaining to products and services.• Identify promising sales opportunities that will assist the bank in meeting its objectives. Show less

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  Cambridge Global Payments

  Aug 2018 - Oct 2021

  Credit Risk Officer

  • Underwrite foreign exchange limits (settlement, contract, margin, and tenor) for clients by analyzing financial statements, collaterals, bank references and clients' industries. Approved limits threshold within delegated authority of $500,000 in total deemed exposure.• Financially assess Short Term Hedging Programs (STHPs) of different Forward's and Options' contracts based on D&B's and financial documents.• Analyze in a daily basis the deals that are being held in the wire and DEFT queue's to grant the approval to prompt release the beneficiaries' payments.• Produce ongoing and ad-hoc reporting including E-RAMs, risk of default and bankruptcy reports, among others. Show less

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  Corpay

  Oct 2021 - Feb 2023

  Credit Risk Analyst

  Underwrite foreign exchange limits (settlement, contract, margin, and tenor) for clients by analyzing financial statements, collaterals, bank references and clients' industries. Approved limits threshold within delegated authority of $1,500,000 in total potential credit exposure.Adjudicate foreign exchange limits for corporate clients across North America, Europe, Asia and Oceania by undertaking detailed analysis of client's financials, market and industry specific information aligned with Corpay's underwriting standards and regulatory requirements.Responsible for monitoring of portfolio through risk based period reviews to ensure compliance with covenants and conditions to mitigate credit loss.Financially assess Standard Hedging Programs (SHPs) of different Forward's and Options' contracts based on D&B's and financial documents, providing a fast and accurate credit line recommendation to the sales department Analyze in a daily basis the deals that are being held in the wire queue to grant the approval to prompt release the beneficiaries' payments.Produce ongoing and ad-hoc reporting including E-RAMs, internal audit, AR outstanding, risk of default and bankruptcy reports, among others. Show less

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  Scotiabank

  Jan 2023 - now

  Responsible for designing of the governance framework for the retail international payments and implementing operational processes for the acquiring line of business of the bank for Chile, Peru and Mexico. Responsible for developing, improving, establishing and implementing processes so that the structure of the payment model works objectively and effectively, always seeking to avoid and mitigate any operational risks for the business.

  • Senior Manager IB Insurance Partnerships Management

    Jan 2025 - now

  • Manager Payments Operating Model

    Jan 2023 - Jan 2025