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Amanda Damaceno

@amandadamaceno

Credit risk professional at Bradesco monitoring wholesale credit models and policies and supporting its IRB application.

Brazil

Message

At Bradesco, I lead the team monitoring wholesale credit rating models and policies, and support the bank's application to the Central Bank of Brazil for internal models used in regulatory capital. I also built automated model-monitoring dashboards and alerts using generative AI.

Previously, I designed wholesale credit policies at Bradesco and Santander Brasil, and retail lending policies at Itaú Unibanco and Neon. At Itaú Unibanco, I built a RAROC calculator to measure the risk-adjusted profitability of credit strategies and support risk-based pricing.

Experience

Work history, roles, and key accomplishments

Current

Data Science Coordinator

Current

Bradesco

Oct 2025 - Present (11 months)

Lead the team responsible for monitoring wholesale credit rating models and credit policies. Monitor automated credit policies and portfolio risk-adjusted return, and support the bank's IRB application to the Central Bank of Brazil.

Credit Risk Model Monitoring Policy Governance RAR IRB Regulatory Capital Dashboarding Generative AI Python SQL Databricks Power BI

Data Scientist III | Product Owner

Bradesco

Jul 2024 - Sep 2025 (1 year 2 months)

Designed and approved credit policies for wholesale clients, implementing pre-approval, renewal, limit increase, and automated limit approval strategies. Built business cases and led a team of 7, managing backlog and prioritising initiatives.

Credit Policy Strategy Business cases Team Leadership Backlog Management Prioritization Python SQL Databricks Power BI

Senior Credit Risk Analyst

Santander Brasil

May 2023 - Jul 2024 (1 year 2 months)

Developed, reviewed, and controlled credit policies for wholesale segments, including origination, renewal, collateral sufficiency, and approval authority frameworks. Issued opinions and defended policies at executive credit committees.

Credit Policy Wholesale Credit Collateral Management Approval Authority Executive Steering Committees Risk Assessment

Credit Policy Analyst

Itaú Unibanco

Dec 2021 - Apr 2023 (1 year 4 months)

Designed underwriting policies for unsecured personal loans targeting low-income retail customers. Built a RAROC calculator to measure risk-adjusted profitability and supported risk-based pricing.

Underwriting Credit Policy RAROC Risk Based Pricing Portfolio Monitoring Forecasting SQL Python

Credit Policy Analyst

Neon

Jan 2021 - Dec 2021 (11 months)

Designed underwriting policies for personal loans and defined risk-based pricing strategies for credit card instalment plans. Monitored and forecast vintage performance and profitability.

Underwriting Credit Policy Risk Based Pricing Credit Cards Limit Management Vintage Analysis Forecasting