Guilherme Fonseca

Currently, I am an FP&A Analyst working in the investment
fund distribution sector at the largest investment brokerage in
Brazil, responsible for forecasting and budgeting for the entire
Business Unit, as well as coordinating the monthly P&L.
Previously, I served as a Credit Strategy Analyst at one of the
largest retail banks in Brazil, where my main responsibility was
to develop credit strategies that aligned with customer
profiles, in addition to maximizing the bank's profits.
I am committed to delivering strategic solutions through
extensive data analysis, identifying risks and opportunities
comprehensively. I have strong interpersonal skills and excel
in teamwork, focusing on achieving the goals and objectives
of the institutions I represent.

FINANCIAL ANALYST – INVESTMENT FUNDS • XP INC
November 2022 - Present
▪ Executive Committee: Facilitate and lead monthly meetings with
the Executive Committee, presenting results and analyzing
discrepancies between actual and budgeted performance.
▪ Asset Pricing: Assist in the pricing of IPO and Follow-on assets
for investment funds during market sales, ensuring healthy
margins for XP through precise commission allocation and price
setting..
▪ Budget Development and Forecasting: Develop the budget for
the Investment Funds business unit, including KPI projections and
all P&L lines. Create quarterly, annual, and 3-year forecasts
based on macroeconomic data and historical product
performance..
▪ Financial Insights and Product Development: Provide financial
insights to support the development of new fund products,
identifying risks and opportunities throughout the project.
▪ Dashboard Development: Utilize extensive data to create real-
time dashboards that generate analyses for the business team
and democratize access to information.
▪ Competitor and Sector Analysis: Analyze and monitor key
competitors of XP to understand the market and identify
competitive strategies. Conduct sectoral analyses of investment
funds and asset class performance projections to identify trends
and opportunities.
▪ Management Reporting: Oversee the monthly financial close for
the Funds BU, analyzing financial discrepancies against targets
and providing detailed justifications. Developed an automated
reporting code using Databricks and Power BI, democratizing
access for the business team and providing actionable insights.
▪ Cross-Departmental Projects: Participate in an interdepartmental
project to automate XP's revenue recognition, utilizing a data lake
to optimize financial processes.

CREDIT STRATEGY ANALYST • SANTANDER BRASIL
September 2021 to November 2022
▪ Monitored overdue customer accounts and calculated financial values and impacts.
▪ Utilized extensive data to develop a comprehensive credit strategy, tailored to the overdue customer profile,
including interest rate calculations and optimal communication methods
▪ Managed the complete portfolio of overdue customers.
▪ Oversaw the bank's Allowance for Doubtful Accounts (ADA), including the creation of monthly and annual
forecasts and comparison with the budget.
▪ Created materials for executive committees, explaining the bank's portfolio health
▪ Developed various dashboards to track key business KPIs

▪ Production Engineering (2022) – USP/EEL
▪ High School Diploma with a Specialization in
International Trade(2011) – Colégio Visconde de
Porto Seguro