Raphael Marinho
About Raphael Marinho
Raphael Marinho is a Credit Analyst at ExxonMobil with extensive experience in finance and credit analysis across various companies.
Title and Current Role
Raphael Marinho is a Credit Analyst at ExxonMobil, where he has been working since 2020. In this role, he is responsible for analyzing credit data and financial statements to determine the risk involved in extending credit. His work ensures that credit policies are strictly followed to protect the company's financial assets.
Career at ScanSource Brasil
Before joining ExxonMobil, Raphael Marinho worked at ScanSource Brasil as an Analista de Crédito e Cobrança from 2016 to 2020. During this time, he handled credit analysis and collections, playing a crucial role in evaluating and managing credit risks. This role allowed him to develop a strong understanding of the Brazilian credit market.
Background and Early Career
Raphael began his career with various internships, gaining experience in financial and administrative roles. In 2008, he interned at IBOPE and Caixa Economica Federal, each for three months. He later worked as an Estagiário at EF Education First for one month and as an Assistente at SPAR International in Dublin, Ireland, from 2015 to 2016. These early roles provided him with a foundation in finance and international business environments.
Professional Experience in Financial Analysis
From 2013 to 2014, Raphael Marinho worked as an Analista Financeiro at Deloitte Brasil in Curitiba, further honing his expertise in financial analysis. Before that, he served as an Analista de Crédito at BV Financeira for three years, from 2010 to 2013. These roles contributed to his robust skill set in financial evaluation and risk management.
Education and Qualifications
Raphael Marinho achieved a Bacharelado em Administração (Bachelor's in Business Administration) from FAE Centro Universitário, where he studied Administração de Empresas from 2010 to 2014. His academic background has provided him with a strong foundation in business principles, which he applies in his role as a Credit Analyst.
International Experience and Language Skills
Living abroad has enabled Raphael to gain valuable international experience and become fluent in English. This global perspective and language proficiency are assets in his career, allowing him to effectively communicate and work with diverse teams and stakeholders.