Andreia Tostes in

Andreia Tostes

Inquirer · DISC type cd
Gerente de cobrança at Cruzeiro do Sul Educacional S/A
📍 São Paulo, São Paulo, Brazil

Andreia Tostes is a collections and credit risk management executive with over 30 years of experience in leadership roles across the financial, telecommunications, and education sectors. She specializes in defining and implementing retention and collection strategies, process improvement, and digital transformation, currently serving as Collections Manager at Cruzeiro do Sul Educacional.

Outside of her core responsibilities, Andreia is committed to continuous professional development and fostering inclusive environments. She recently completed a certification on developing competencies for inclusive conversations, demonstrating an interest in modern leadership and workplace culture. People who have worked with her describe her as committed, resilient, innovative, and organized.

She has successfully managed credit portfolios worth billions and delivered PDD reversals exceeding R$100 million annually.

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Experience
35 Years
Current Role
Gerente de cobrança
Location
São Paulo, São Paulo, Brazil
Personality Overview

How Andreia shows up

Judgemental
Upfront
ROI Conscious

They can be nudged to make faster decisions by offering what they value. They care equally about the product and its potential impact. They respond well to confident salespeople.

Priorities

Topics Andreia cares about

Gestão de Cobrança
Her entire career is dedicated to leading collection and credit risk strategies in large corporations across diverse industries like finance, telecom, and education.
Transformação Digital
She highlights digital transformation and customer experience (CX) as key areas of her expertise, managing digital collection operations to improve recovery rates and efficiency.
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Career

Work history

3-2025
Gerente de cobrança
Cruzeiro do Sul Educacional S/A
2-2024 - 3-2025
Gerente de Cobrança PF
Bullla
11-2013 - 8-2023
Gerente de Estratégia de Churn, Cobrança e Qualidade
SKY Brasil
5-2006 - 3-2013
Gerente Sênior de Estratégias de Riscos
Banco Santander
5-2004 - 4-2006
Coordenadora de Cobrança
Embratel
In the press

Media appearances

Media appearances and press coverage
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Education
1997 - 1998
Pós-Graduação
Pontifícia Universidade Católica do Paraná
1991 - 1995
Bachelor's degree
FAE Centro Universitário
Social presence
in
Behavioral profile

DISC profile (public)

c

Calculativeness (C)

Calculativeness (C) reflects the degree to which a person is likely to be cautious, systematic and analytical. Those scoring high tend to emphasise quality and accuracy.

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