André Pinheiro

Led product pricing and risk simulations using Python and SQL, supporting solvency analysis and ensuring financial sustainability of health plans. Designed and deployed executive dashboards in Power BI, automating key performance indicators such as loss ratio, cost trends, margin, and utilization profiles to enable faster and smarter decision-making.

Developed pricing models and financial simulations with Python, SQL, and actuarial techniques, to assess the financial feasibility of new health products. Implemented bundled payment models for inpatient care, surgeries, and consultations, improving cost predictability, risk management, and provider negotiations.

Performed in-depth healthcare cost analysis using SQL, Excel, and Power BI, in order to identify cost-saving opportunities and provide actionable insights for executives. Built dashboards to monitor medical performance, cost trends, and operational efficiency, enhancing visibility over clinical and financial indicators.

Managed the actuarial and pricing team, developing models for contract pricing and adjustments using SAS, SQL, and Excel, ensuring financial balance for corporate health and dental plans. Automated contract pricing and adjustment workflows in Salesforce, integrated with Business Intelligence tools, improving calculation speed, accuracy, and operational control.

Conducted market research, competitor analysis, and revenue forecasting using SQL, Excel, and Power BI, supporting strategic decisions related to pricing and product design. Built predictive models for revenue forecasting, improving the accuracy of financial projections.

Pursuing an MBA focused on health insurance management, deepening knowledge in the strategic and operational aspects of the healthcare sector. This program enhances skills in financial management, risk assessment, and market dynamics within health insurance.

Completed an MBA specializing in Market Intelligence, focusing on data-driven strategies for market analysis and business growth. This program provided advanced skills in competitive analysis, consumer behavior, and strategic planning.

Obtained a Bachelor's Degree in Actuarial Science, gaining a strong foundation in statistical analysis, risk assessment, and financial modeling. This comprehensive program prepared me for a career in actuarial roles, focusing on the application of mathematical and statistical methods to assess risk in insurance and finance.