Kleber Zampieri

 Optimized portfolio management through implementation of clustering profitability models, enhancing overall financial performance and strategic decision-making.  Spearheaded the creation of targeted campaigns and innovative digital solutions, significantly improving customer engagement and digital experience across various platforms.  Refined card inactivity processes, leading to more efficient capital allocation and improved utilization of card portfolio resources.

 Implemented strategic improvements to debt rules, resulting in enhanced collection processes and increased overall recovery rates.  Refined credit and risk management practices, strengthening the portfolio's resilience and improving overall financial health.  Developed and executed comprehensive communication plans.  Designed and implemented targeted strategies to boost customer engagement and retention, contributing to improved long-term customer relationships and loyalty.

 Specialized in strategic planning and sales initiatives for the low medium income segment, tailoring approaches to meet specific market needs and drive growth.  Managed sales budgets effectively while implementing strategies to maintain and expand the active customer base  Developed and deployed advanced predictive models to identify high-potential cross-sell opportunities, leading to the successful implementation of targeted offers and increased product adoption.

 Specialized in strategic planning and sales initiatives, developing tailored approaches to meet the unique needs of this customer base.  Managed comprehensive sales strategies, including budget oversight, customer activation campaigns, and billing processes, ensuring optimal performance across key business areas.  Implemented sophisticated spending rules for products, enhancing risk management and improving overall portfolio quality while maintaining customer satisfaction.

 Conducted comprehensive studies and led strategic projects to optimize card lifecycle operations  Developed and managed financial budgets for the Life Cycle area, ensuring resource allocation aligned with strategic objectives and supported long-term growth initiatives.  Formulated accurate sales projections and implemented effective strategies to maintain and expand the active customer base

 Led the Life Cycle Project Management Office (PMO), implementing strategic initiatives to boost sales and enhance customer engagement across the product lifecycle.  Conducted comprehensive financial viability analyses for various initiatives within the Life Cycle area, ensuring resource allocation aligned with maximum potential returns.  Managed and coordinated multiple PMO initiatives, driving a portfolio of projects estimated to gen