Joan Da Cruz Rodriguez
@joandacruzrodriguez
I lead credit risk modelling, IFRS 9 transformation, and portfolio strategy.
BrazilWhat I'm looking for
I've led credit risk modelling, IFRS 9 transformation, and portfolio strategy for Porto Bank, Banco Fibra, Banco Bradesco, Banco Carrefour, and Banco Komatsu do Brasil.
At Porto Bank, I led the redesign and implementation of Expected Credit Loss models across credit cards, consumer finance, and consortium portfolios, integrating PD, LGD, EAD, accounting, data, and regulatory reporting into a consistent governance framework.
At Banco Fibra, I led SME credit policy and decision-engine strategies, balancing risk appetite, portfolio quality, and business growth while contributing to Credit Modelling and Data Science Committees.
With a Ph.D. in Statistics and more than 18 years in financial services, I translate model assumptions into clear business implications and build scalable risk analytics using Python, SQL, Spark, Databricks, BigQuery, SAS, and R.
Experience
Work history, roles, and key accomplishments
Regulatory Data Science & Modelling Specialist
Porto Bank
May 2024 - May 2026 (2 years)
Led the regulatory redesign and implementation of Expected Credit Loss models across credit cards, consumer finance, and consortium portfolios. Developed and reviewed PD, LGD, and EAD methodologies aligned with IFRS 9 and Brazilian regulatory requirements.
Head of SME Credit & Credit Risk
Banco Fibra
Mar 2021 - Apr 2024 (3 years 1 month)
Led the design and execution of credit policy and decision-engine strategies for SME portfolios with annual revenues up to BRL 30 million. Developed application and behavioral credit strategies and oversaw portfolio monitoring and regulatory analytics.
Technical Head of Credit Risk Modelling
Banco Carrefour
Jan 2020 - Jan 2021 (1 year)
Technically led credit risk modelling including PD/LGD/EAD, provisioning models, portfolio monitoring, and model diagnostics. Worked with large historical datasets using SAS, R, and Python.
Technical Head of Risk Modelling
Banco Bradesco
Jan 2018 - Jan 2020 (2 years)
Technically led wholesale and retail credit risk modelling, including PD/LGD/EAD, provisioning models, and model diagnostics. Worked with large historical datasets and statistical methodologies using SAS, R, and Python.
Founding Member & Head of Risk and Compliance
Banco Komatsu do Brasil
Apr 2015 - Mar 2018 (2 years 11 months)
Played a pivotal role in establishing the bank, designing Risk Management, Compliance, and Regulatory Reporting frameworks. Designed credit scoring methodologies and executive reporting solutions for the Japanese headquarters.
Financial Risk Analyst
Banco PAN
Jan 2007 - Jan 2014 (7 years)
Worked in financial risk, database management, and statistical consulting during earlier career phase.
Statistical Consultant
Vicenza
Jan 2007 - Jan 2014 (7 years)
Provided statistical consulting and corporate training during earlier career phase.
Healthcare Analytics Specialist
Medial/Amil
Jan 2007 - Jan 2014 (7 years)
Worked in healthcare analytics and database management during earlier career phase.
Statistical Consultant
StatSoft Soft America
Jan 2007 - Jan 2014 (7 years)
Provided statistical consulting and corporate training during earlier career phase.
Education
Degrees, certifications, and relevant coursework
FIAP
MBA, Data Science & Artificial Intelligence
MBA in Data Science & Artificial Intelligence from FIAP, in progress, expected completion in October 2026.
FIA Business School
MBA, Credit & Collections
MBA in Credit & Collections from FIA Business School, in progress, expected completion in June 2027.
Fundação Getulio Vargas
MBA, Financial Management, Controllership & Auditing
MBA in Financial Management, Controllership & Auditing from Fundação Getulio Vargas, completed in 2019.
Universidade de São Paulo
Ph.D., Statistics
Ph.D. in Statistics from Universidade de São Paulo, completed in 2013.
Universidade de São Paulo
M.Sc., Statistics
M.Sc. in Statistics from Universidade de São Paulo, completed in 2008.
Universidad Nacional Mayor de San Marcos
B.Sc., Statistics
B.Sc. in Statistics from Universidad Nacional Mayor de San Marcos, diploma validated by USP, completed in 2004.
University of La Verne
Executive Management, Financial Decisions and Corporate Policy
Executive Management in Advanced Topics in Financial Decisions and Corporate Policy from University of La Verne, completed in 2015.
Brazilian Regional Council of Statistics
Registered Statistician, Statistics
Registered Statistician credential from the Brazilian Regional Council of Statistics, obtained in 2011.
Availability
Location
BrazilAuthorized to work in
Salary expectations
Social media
Skills
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