Open to opportunities

Andre Meira

@andremeira

Message

Credit analyst focused on risk mitigation and optimizing commercial credit decisions.

Brazil

Message

What I'm looking for

I seek a role where I can apply quantitative credit risk analysis and automation skills to reduce defaults, improve processes, and support commercial growth within a collaborative, data-driven team.

I am a credit analyst with hands-on experience managing long-term and trade credit portfolios across heavy assets, automotive retail and commodities trading. I combine rigorous financial statement analysis, credit bureau research and on-site assessments to keep default rates below tolerance and to structure collateral and payment terms that mitigate risk while enabling business growth.

I have supported joint-venture accounting and billing processes, automated reporting with SAP scripting and Excel VBA, and leverage tools such as Power BI, Python, R and SQL to drive insights. I completed Level I of the CFA Program and hold a B.S. in Economics, and I bring a pragmatic, data-driven approach to credit decision-making and stakeholder communication.

Experience

Work history, roles, and key accomplishments

Current

Credit Analyst

Current

Volvo Group

Aug 2024 - Present (1 year 10 months)

Approved and managed an annual long-term credit portfolio for heavy assets, maintaining portfolio default rate below tolerance and negotiating terms/collateral to mitigate risk; presented loan proposals to Credit Committees to influence decisions.

Credit Analysis Financial Statement Analysis Risk Management Negotiation SAP Portfolio Management

Joint Interest Accounting Analyst

ExxonMobil

Apr 2024 - Aug 2024 (4 months)

Managed billing and reconciliations for Joint Ventures in Brazil, ensuring book accuracy and reconciling cash calls and cutbacks while analyzing cost fluctuations for upstream projects.

Joint Interest Billing Reconciliations Cost Analysis Accounting SAP Financial Reporting Upstream Oil & Gas

Credit Analyst

ExxonMobil

Oct 2021 - Apr 2024 (2 years 6 months)

Managed credit risk for Automotive Retail and Commodities Trading, balancing credit risk with commercial reward, negotiating securities and payment methods to prevent supply chain disruption.

Credit Risk Trade Credit Negotiation Risk Assessment SAP Financial Analysis

Credit Intern

ExxonMobil

Jan 2020 - Oct 2021 (1 year 9 months)

Prepared reports to control exposure of distressed accounts and monitored credit limits, automating processes with SAP scripting and Excel VBA to drive efficiency gains.

VBA Reporting Credit Monitoring Risk Assessment Data Analysis

Education

Degrees, certifications, and relevant coursework

CFA Institute

CFA Level I (completed), Investment Management

Completed CFA Level I in February 2025.

Universidade Federal do Paraná

Bachelor of Science, Economics

2018 - 2022

Activities and societies: University finance league; thesis research on intergovernmental transfers

Bachelor of Science in Economics with a thesis analyzing the impact of intergovernmental transfers on health and education in Brazilian states; participated in the university finance league promoting financial education.