Renata Oliveira

Inquirer
DISC Type : cd

Gerente de Risco at Torra Administradora de Cartoes

São Paulo, São Paulo, Brazil

Overview

Renata is a seasoned credit and collections leader with over 15 years of experience in the private label and branded card sectors. Leveraging a strong background in Mathematics from the University of São Paulo, she specializes in statistical modeling, credit policy, and portfolio analysis using SAS, SQL, and Teradata.

Outside of her professional focus on risk management, Renata shows a keen interest in fintech innovation and digital banking trends. She follows major brands like Natura, suggesting an appreciation for companies with strong corporate and social responsibility missions.

She was an enthusiastic early adopter of the digital bank N26 upon its arrival in Brazil.

Personality Overview

Hard To Convince

Demanding

Judgemental

They don’t always try to control the conversation but neither do they like yielding it fully.  They focus on objectivity in a pitch and pay little attention to bells and whistles. They can be nudged to make faster decisions by offering what they value.

Topics They Care About

Credit Risk Strategy
Her career spans the entire credit lifecycle, including statistical modeling, policy creation for acquisition and maintenance, and portfolio management across multiple financial institutions.
Private Label Cards
She has deep expertise in managing and launching private label card products, a consistent theme in her roles at Torra, Bradesco Cartões, and Banco ibi.
Data-Driven Collections
At Bradesco, she led a team that developed and implemented statistical models to optimize collection strategies and improve resource allocation.

Media Appearances

Renata has no verified media appearances

Work History

3-2018
Gerente de Risco at Torra Administradora de Cartoes
7-2015 - 3-2018
Gerente de Risco at CREDZ Cartões
5-2013 - 7-2015
Gerente de Modelagem Estatística de Cobrança at Bradesco
10-2009 - 5-2013
Gerente de Políticas de Crédito at Bradesco Cartões
1-2003 - 10-2009
Coordenadora de Crédito at Banco ibi

Education

1996 - 2000
Mathematics from USP - Universidade de São Paulo
Education details unavailable from SAS

More Information

Social Presence :

Prographics :

Exp : 25 Location : São Paulo, São Paulo, Brazil Job Level : N/A Designation : Gerente de Risco at Torra Administradora de Cartoes
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Insights For Selling To Renata

During A Call Or A Meeting

DO's

  • Make sure that they have the necessary authority, they could present false stature sometimes
  • Highlight the competitive differentiation of your product
  • Refer to testimonials from others in similar positions

DONT's

  • Avoid repeating yourself or making generalizations
  • Don't try too hard to get friendly, let it happen with time
  • Do not give up if they are not convinced, try again with a different approach

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Renata is

  • Conviction in the product matters to them, followed by proof points and strong testimonials.
  • Will you ever get a clear answer from Renata

  • They may not be very forthcoming, but they will say no if needed.

Insights For Deal Planning

    How fast (or slow) will Renata move?

  • Their decision making speed is somewhere in the middle.
  • Can Renata take some risk or not?

  • They can take risks but after weighing up the pros and cons.

You And Renata

Personality Compatibility


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