A major Brazilian retail group with consumer credit

Problem

Scale credit decisions for retail finance with a consistent risk policy.

Role

Data science coordinator.

Approach

Decision-engine design, capacity-to-pay, limits, behaviour monitoring, and pre-approval patterns.

Impact

More consistent credit decisioning integrated with retail operations.

Lessons

A decision engine only scales when the business owns the policy behind it.

All cases are anonymized. Outcomes are described qualitatively and are not presented as public financial results of any named employer.