Mônica Fernandes

Critic
DISC Type : C

Coordenadora de Carteira e Cobrança at Diálogo Engenharia

Greater São Paulo Area, Brazil

Overview

Mônica Fernandes is a Coordinator at Diálogo Engenharia with over 15 years of experience in real estate operations, specializing in credit, portfolio management, and customer experience. A multitasker, she is described as dedicated, focused, and detail-oriented. She is currently pursuing an MBA in Strategic Business Management.

Mônica is deeply invested in professional development, recently undertaking an immersion in Artificial Intelligence applied to business and attending events focused on the future of the construction industry, including technology and sustainability.

She recently completed two certifications in Generative AI for business and productivity.

Personality Overview

Information Seeker

Critic

Negotiator

Unless the value is proven by data, they are unlikely to value fancy features.  They prefer to do logical analysis and value evidence over emotions. It is very likely that they will negotiate pricing or other important terms.

Topics They Care About

AI in Business
Demonstrated a strong interest by participating in an AI immersion course and obtaining recent certifications in Generative AI for productivity and business applications.
Real Estate Operations
Her entire 15+ year career has focused on optimizing the real estate cycle, including credit, collections, sales support, and legal deeds.
Customer Journey
Emphasizes the importance of the customer experience (CX/NPS) in her professional headline and previous role descriptions.

Media Appearances

Mônica has no verified media appearances

Work History

11-2025
Coordenadora de Carteira e Cobrança at Diálogo Engenharia
5-2022 - 11-2025
Coordenadora de Crédito e Repasse | CX/NPS | Sec Vendas | Carteira/NPL | Escrituras/Taxas | Projetos at Viver Incorporadora
7-2013 - 5-2022
Especialista financeiro at Tecnisa
3-2012 - 7-2013
Analista Financeiro Pleno at Tecnisa
5-2010 - 3-2012
Analista financeiro júnior at Tecnisa

Education

7-2025 - 7-2026
Master of Business Administration - MBA from Universidade Anhembi Morumbi
Pós-graduação Lato Sensu from ESPM Escola Superior de Propaganda e Marketing
Pós-graduação Lato Sensu from ESPM

More Information

Social Presence :

Prographics :

Exp : 21 Location : Greater São Paulo Area, Brazil Job Level : N/A Designation : Coordenadora de Carteira e Cobrança at Diálogo Engenharia
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Insights For Selling To Mônica

During A Call Or A Meeting

DO's

  • Keep some extra margin while sharing pricing, they are likely to negotiate later
  • Be formal and objective, they will appreciate it more
  • Be ready to answer many clarity-seeking questions and requests for information

DONT's

  • Don’t try too hard to build a relationship with them
  • Do not use very emotional or colorful language
  • Don't give superficial answers, they are easily rattled by them

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Mônica is

  • Strong evidence of ROI, effective pricing, and proven data points matter the most to them.
  • Will you ever get a clear answer from Mônica

  • It is not very hard for them to say no if they are not convinced about the decision.

Insights For Deal Planning

    How fast (or slow) will Mônica move?

  • Their decision-making is neither very fast nor very slow, they are somewhere in between.
  • Can Mônica take some risk or not?

  • They can take risks if their analysis shows that it would be worth it.

You And Mônica

Personality Compatibility


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