Rayani Melega

Rayani Melega has extensive experience in the finance and insurance sectors, currently serving as Head of Credit Risks at Santander Brasil since August 2022, while also holding the position of Superintendent of Pricing, Analytics & Data for Vehicle Financing. Prior to this, Rayani worked at HDI Seguros from June 2012 to August 2022, progressing through various roles including Superintendent of Analytics and Manager of Analytics & HDI Digital. Rayani's career began at Banco Santander from January 2011 to June 2012 as an Analytical CRM Analyst. Academically, Rayani holds a Master's degree in Econometrics and a Bachelor's degree in Mathematics from Universidade de São Paulo, completed in 2011 and 2008, respectively.