Frederico Fernandes Senior Product Manager | Fintech & Payments Platforms |

Product Builder & Platform Strategy — Fintech, Healthcare & AI

FLIP Venture Studio

Jul 2024 - Current (2 years 1 month)

Product builder exploring platform concepts across fintech infrastructure, healthcare access, and AI-driven home technology. Focused on designing scalable digital systems, reducing operational friction, and developing high-integrity data workflows for complex markets. Current initiatives include: • TruV — Digital Trust Infrastructure Concept development for infrastructure enabling trusted digital financial documents and high-integrity financial data workflows. • CareVia Health — Healthcare Access Platform Cross-border healthcare platform focused on improving access to complex medical procedures through coordinated care models. • ALLHome — AI Smart Home Platform AI-driven platform concept for planning and orchestrating smart home infras

Senior Product Manager – Financial Platforms

Paraná Banco SA

Jun 2024 - Oct 2024 (5 months)

Senior individual contributor operating at specialist/consultant level, bridging Product, Finance, and Technology. Owned discovery, requirements, and roadmap decisions for financial systems used in executive decision-making. Translated complex financial and regulatory requirements into scalable product solutions. Acted as a strategic partner to leadership.

Lead Product Manager

B

Oct 2021 - Jan 2024 (2 years 4 months)

Led product strategy and platform development for Tesouro Direto, Brazil’s national government bond investment platform, serving over 2.5M investors and $25B+ in assets under management. Responsible for financial platform architecture, digital investment infrastructure, and new product launches across Brazil’s capital markets ecosystem. Key achievements: Led and developed a team of 4 Product Owners managing cross-functional product squads. • scaled active investors by 49%, expanding the platform to more than 2.5M investors • platform managing $25B+ in assets under management • launched Tesouro RendA+, retirement-focused investment product reaching R$1B in funding shortly after launch • led development of Tesouro Educa+, expanding long-te

Pricing Specialist FP&A

Omni Conectado

Aug 2021 - Oct 2021 (3 months)

Worked within the FP&A Pricing team supporting financial product pricing strategy. • Led development of new pricing engine for consumer credit products. Key contributions: • contributed to development of a consumer credit pricing engine • collaborated with finance, product and technology teams to define pricing logic and modeling frameworks

Co-Founder (Sales and Strategy)

CCN Transportes

Aug 2018 - Oct 2021 (3 years 3 months)

• Scaled company revenue by over 330% through pricing strategy and operational restructuring • Implemented a new ERP (SSW) system replacing legacy infrastructure within 3 months • Improved operational efficiency by 10%+ through automation of pricing tables and operational workflows • Reduced billing cycle improving receivable collection by 15% Main clients: Privalia, P&G, Castor Colchões, Marabraz, Grão de Gente, Madeira Madeira, A.Dias, PoloAr, Day Brasil, Inovakasa and Sodimac. Main results: (1) Implementation of dashboards in Power BI and Tableau to monitor results. (2) Creation of a new pricing policy going from a loss in 2018 to a profit of 10% in 2019 and 8% in 2020.

Senior Financial Planning Analyst – FP&A

Itaú BBA

Sep 2017 - Aug 2018 (1 year)

• Managed $100M+ business unit portfolio supporting wholesale banking operations. • Partnered with executive leadership to drive pricing optimization, resource allocation, and cost control strategies. • Delivered scenario modeling and financial impact analysis supporting product and capital allocation decisions. • Translated variance analysis into operational execution adjustments and performance improvements.

Senior Product Manager

Itaú Unibanco

Feb 2014 - Aug 2017 (3 years 7 months)

Contributed to the development and go-to-market execution of the product Conta Certa, digital business checking product reaching 2M+ companies in 18 months. Defined product strategy & cash management policies aligned with market trends. Supported digital and commercial banking units through budgeting, forecasting, and P&L analysis. Partnered with product and operations teams to align financial performance with growth initiatives.

Senior Electronic Channels Analyst

Itaú Unibanco

Jul 2011 - Feb 2014 (2 years 8 months)

Contributed to 100+ digital channel projects, collaborating closely with IT, product, engineering, and business teams. Actively participated in usability testing and customer surveys, driving improvements in both UX and CX. Reviewed IT development backlogs, prepared functional specifications, and supported prioritization committees to streamline delivery. Led the pricing project, aligning digital initiatives with profitability and strategic objectives.

S

Senior Financial Planning Analyst – FP&A (Pharmaceuticals)

Aug 2010 - Jul 2011 (1 year)

Served as FP&A Business Partner for a pharmaceutical business unit. Led budgeting, forecasting, monthly close, and variance analysis. Reported financial and operational performance to executive leadership.

FP&A Analyst – Pricing

Santander Brasil

Jun 2008 - Aug 2010 (2 years 3 months)

Supported the transition from Banco Real to Santander, assisting commercial, IT, and product teams with customer base, data, and systems migration. Managed pricing and financial modeling for a financing portfolio valued at R$3B. Developed business cases, strategies, and pricing policies to strengthen market positioning. Oversaw customer clustering and integration during the migration of Aymoré Finance into Santander, ensuring accurate pricing tables and portfolio alignment. Conducted profitability, P&L, and competitive analysis to support strategic decisions.

FP&A – Budget Control

Samsung Electronics

Jun 2006 - Jun 2008 (2 years 1 month)

Managed marketing budget control and variance analysis, ensuring alignment with corporate financial targets. Conducted financial analysis and market intelligence studies to support strategic decision-making. Prepared executive reports on marketing investments and department performance. Coordinated corporate sponsorships and trade marketing initiatives, strengthening brand presence with key clients.

Finance Intern (FP&A)

Dersa

Aug 2004 - Jun 2006 (1 year 11 months)

Supported financial planning with budget control, treasury analysis, and cash flow management. Conducted profitability, P&L, and competition analysis to guide strategic initiatives. Performed bank reconciliations for all corporate and judicial accounts, ensuring accuracy and compliance. Prepared financial reports for management, providing insights for decision-making.

Frederico Fernandes

About

Detail

Timeline

Résumé