A Brazilian retail and wholesale bank

Problem

Balance growth and credit quality in vehicle finance under market stress.

Role

Senior data scientist on origination, pricing, and collections analytics.

Approach

Application score cutoffs, loan-to-value policy support, behaviour and collection scoring, and vintage monitoring.

Impact

Improved operating discipline in risk selection and collections prioritization.

Lessons

Risk selection and collections must move together to protect a growing book.

All cases are anonymized. Outcomes are described qualitatively and are not presented as public financial results of any named employer.