Armando Pena is a seasoned credit risk analyst with extensive expertise in credit policies and data analysis. They have held senior roles at Stone and Santander Brasil, focusing on the management of credit portfolios and compliance with regulatory provisions. Previously, Armando worked at Lojas Marisa and Itaú Unibanco, where they developed indicators and automated reporting systems to enhance credit operations. Armando earned a bachelor's degree in Electrical Engineering from Pontifícia Universidade Católica de São Paulo and a professional master's degree in Economics from Fundação Getulio Vargas.
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