Michel Fagundes Ferreira
About Michel Fagundes Ferreira
Michel Fagundes Ferreira serves as a Senior Credit Policy Analyst at Juvo, where he develops backtests and analyses for personal loan credit policies. He has extensive experience in credit modeling, having previously worked at Bradesco and HSBC.
Work at Juvo
Currently, Michel Fagundes Ferreira serves as an Analista Sr. de Políticas de Crédito at Juvo, a position he has held since 2021. In this role, he has developed backtests and investigative analyses to identify the most suitable variables and scoring models for Juvo's personal loan credit policy. He collaborates with project, data science, credit, and collection teams to propose improvements and solutions for product evolution. His contributions focus on enhancing the effectiveness of credit policies and ensuring optimal performance.
Previous Experience at Bradesco
Before joining Juvo, Michel worked at Bradesco as an Analista PL - Modelagem de Crédito from 2016 to 2022. During his six years in this role, he was based in Osasco, São Paulo, where he focused on credit modeling. His experience at Bradesco provided him with a solid foundation in credit analysis and risk assessment, which he has applied in his current position.
Internship Experience at HSBC
Michel gained valuable experience as an intern in the Wholesale Analytics department at HSBC from 2015 to 2016. This internship, which lasted for seven months, allowed him to work within the Credit Risk Modelling department in the São Paulo area. His responsibilities included collaborating with the MIS team to structure databases and dashboards that focused on credit portfolio performance and profitability KPIs.
Educational Background
Michel studied at Universidade Federal do ABC, where he pursued a degree in Ciências Econômicas, achieving his Bacharelado from 2013 to 2017. His education provided him with a comprehensive understanding of economic principles and analytical skills that are essential in the field of credit analysis and risk management.
Early Career at Brasilprev and Concórdia
Earlier in his career, Michel worked at Brasilprev as an Assistant in the Department of Plans Management from 2011 to 2014. He also gained experience as an intern at Concórdia - Stock Broker in 2015, where he worked at the Fixed Income Trading Desk for one month. These roles contributed to his foundational knowledge in financial services and investment strategies.