Bruno Maciel

Experience

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  Santander Brazil

  Dec 2018 - Feb 2020

  Retail Projects

  • Conducted process and indicator analysis with the aim of improvement, simplification, and elimination of routines;• Created workflows aimed at cost reduction while preserving operational quality and providing a better customer experience;• Worked on process mapping and flowcharting to identify and apply improvement opportunities;• Prepared and consolidated reports for result tracking and decision-making for senior management;Key projects:• New Service Model;• Opening of Branches in Shopping Malls on Weekends; Show less

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  Itaú Unibanco

  Feb 2020 - Sept 2024

  • Creation and monitoring of key performance indicators (KPIs) for the bank's Card portfolio for account holders and non-account holders, including portfolio KPIs, provisions for doubtful accounts (PDA), delinquency, risk, roll rates, results, and customer distribution, supporting strategic decisions;• Conducting structured analyses and reports on operational cost efficiency and identifying business opportunities;• Interfacing with finance and touchpoints teams to align efficiency strategies and develop strategies, budgets, forecasts, and monthly and annual closures;• Monitoring managed costs and developing dashboards for the portfolio and customer touchpoints;Highlights:• Reduction of operational expenses in the main cost lines under management;• Improvement of 5% in efficiency and results indicators after implementing strategic reviews and changes in distribution and compensation criteria for the touchpoints;• Creation of books and P&Ls, integrating financial and operational indicators in partnership with the touchpoints and finance teams, ensuring uniformity and timeliness of information. Show less • Target modeling for the commercial team for key banking products, including Investments, Credit and Recovery, Insurance, and Customer Acquisition and Profitability;• Management and updating of management reports, executive books used in committees with financial production indicators, budget, targets, performance, and compensation, as well as support in managing the customer portfolio for the segment;• Implementation of improvements in allocations and targets for items in the commercial grade of the Personnalité segment, considering risk, financial, and business indicators;• Structured analyses focused on the new "portfolio allocation" model, optimizing the distribution of customers by portfolio model, potential results, profitability, and financial margin;• Construction of budgets and forecasts, as well as managerial closing (monthly and annual) for each business line and portfolio model in budgeted vs. actual views.Highlights:• Development of the Budget vs. Target and Net Capture Variables Dashboard, providing greater timeliness in result tracking and generating an incremental gain of 30% over the annual budget;• Creation and calculation of the Target Agreement for Commercial Leaders in the segment, including qualitative, business, and financial indicators;• Record in the Net Capture line of the segment, with better alignment of targets to the commercial compensation budget;• Improvement in Credit Recovery results due to better adherence to PDD and POC lines (Loss on Credit Operations);• Increase in financial margin of customers in arrears (FMA) and maintenance of NPL at acceptable levels after adjustments. Show less

  • Credit Recovery Strategy Analyst

    Feb 2023 - Sept 2024

  • Junior Commercial Planning Analyst

    Sept 2021 - Feb 2023

  • Commercial Planning Intern

    Feb 2020 - Sept 2021
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  Bradesco

  Sept 2024 - now

  Analista de Recuperação de Crédito Sr