About André Henrique Santoro

Professional Profile • Profitability studies (P&L) and Pricing Definition; • Valuation and return on capital analyses for new initiatives and products; • Financial control and monitoring of portfolio profitability; • Interfacing with Treasury to define funding and structured operations. • New-business strategy development, interacting with Marketing, Sales, Product, Planning areas; • Leadership in analysis to optimize company value proposition, focusing on improving profitability/shareholder return (ROI) and increasing customer relationship; • Market Research: market share, target market, product offer, competition and others; • Structure documents for credit products, detailing target markets, pricing, competitive advantages, positioning in comparison to competitors, profitability, CAPEX, EBITDA, FCFE (Free Cash Flow to Equity) etc.; • Control Risk and Return indicators, including Basel and Balance Sheet (ROB3, ROE, ROA, RORC); • Define credit and collection policies; • Responsible for portfolio Plans and Management (actual vs. budget), and 5Y-Plan Forecast; • Management of reports in USGAAP and BRGAAP, conciliation of closing month numbers and accounts payable/receivable; • Operational-KPI control in collection and account acquisition/maintenance; • Internal and external auditing management, including BACEN, FED, OCC and CVM; • Operational control development, expense and contract management; • Strategic, entrepreneurial thinking, focused on profitability and results,