Marcelo Ricardo dos Santos

Marcelo Ricardo Dos Santos has a strong background in credit risk analysis, modeling, and strategy. With experience at Itaú Unibanco and Omni Banco & Financeira, Marcelo has developed credit scorecards and provided analytical support for credit decisions. As a Data Scientist during a sabbatical, Marcelo enhanced skills in English, Python, Hadoop, and Spark. Currently working at Zilch as an Analytics Manager, Marcelo oversees proactive analysis of credit trends and maintains effective credit risk management through data-driven approaches. Marcelo holds an MBA in Finance and a degree in Statistics, Mathematics, and Computer Science.