Marta Dalpian Heis is the Head of Credit Solutions at Sicredi, where Marta has contributed significantly since February 2017, overseeing the Data & Analytics team within the credit department and implementing data-driven strategies. Previous roles at Sicredi include Credit Data Engineering Manager, Credit Analysis Manager, and Registration Manager, focusing on credit analysis processes and associate onboarding. Marta's earlier experience includes a Management Trainee position at Rabobank and various managerial roles at Grupo Fleury, emphasizing operational management and process improvement. Marta holds multiple advanced degrees, including MBAs in Finance and Strategic Business Administration, a Master’s in Cellular and Molecular Biology, and a Bachelor in Biomedicine, complemented by significant research contributions during an academic career at the Federal University of Rio Grande do Sul.