Rafael Ayub Fainask MacHado

Rafael Ayub Fainask Machado is a seasoned professional with extensive experience in sales management and operational efficiency, currently serving as Coordenador de Gestão de Garantias at Creditas since December 2019. In this role, Rafael oversees the complete management cycle of recovered assets, focusing on operational efficiency and credit recovery. Previously, Rafael held various positions at Creditas, including Retail Manager and Consultor Pleno for Creditas Auto, driving B2C sales expansion and enhancing the sales process. Rafael's prior experience includes commercial management roles at UNYO PAY and Itaú Unibanco, as well as analytics at Banco Santander. Rafael holds a Bachelor's degree in Business Administration from Centro Universitário São Camilo, completed in 2017.