Heloisa Lima

I am a corporate credit analyst with hands-on experience assessing credit risk for mid- to large-sized corporate clients and supporting treasury operations.

At Citibank Brazil I perform credit risk assessments analyzing financial statements, liquidity ratios, and debt structure, building rigorous credit opinions. Previously, at dLocal I oversaw intercompany transfers, FX transactions, and contributed to treasury reporting and process automation initiatives.

My background includes supporting month-end close, reconciliations, and internal reporting at Credit Suisse Brazil, working with local and global finance teams to ensure compliance and accuracy. I completed a Bachelor's in Business Administration at Universidade de São Paulo and am pursuing a specialization in Investment and Capital Markets Analysis at Fundace – USP.

I bring advanced Excel, Power BI familiarity, multilingual communication (Portuguese, English, Spanish), and a strong foundation in corporate finance, accounting, and valuation to roles in credit, treasury, and financial analysis.