Marcos de Jesus Cruz

Developed data analyses in Excel and SQL to monitor consumer portfolios in the Free Energy Market. Structured and monitored performance indicators (KPIs, OKRs) related to regulation, contractual risk, and client performance. Automated routines and built management dashboards to support decision-making. Supported consulting teams in risk analysis and regulatory compliance. Result: Optimized internal processes, reducing average strategic meeting time from 3h to 2h through consolidated executive information.

• Assisted in client portfolio analysis and preparation of management reports. • Consolidated and validated data to support consulting and performance monitoring.

Contributed to the development and management of pricing models from a client perspective. Monitored indicators and managed portfolio profitability KPIs,OKRs Participated in credit risk analyses (PDD, RAROC, IE, Economic Capital) to support strategic pricing decisions Assisted in preparing analytical materials for commercial and management teams. Business Case: Developed an analytical model to evaluate the impact of macroeconomic variables on pricing strategy, scenario analysis and decision-making support.

Macroeconomic Research Intern Assisted in collecting, cleaning, and organizing economic indicators (IPCA, Selic, GDP, Exchange Rate) using RStudio and Excel Contributed to macroeconomic reports, creation, and updating for national and international sectors, presented in PowerPoint and Word. Pricing and Quality Intern Monitored interest rate curves (funding) and updated pricing reports in Excel and Power BI. Consolidated economic scenario information to support commercial and strategic areas.