Renato Kempe

Risk, credit, liquidity, and prudential regulation applied through data and AI,
for financial institutions in Brazil's S3–S5 prudential segments.

Areas of practice:

• Credit risk and expected credit loss provisioning — IFRS 9, CMN 4,966, BCB
352: stage classification, significant increase in credit risk (SICR),
problem assets, regulatory provisioning floor, qualitative overlay under
govern

Member of the Integrated Risk Management team at CW SCFI (the
BCB-regulated lending arm of the InfinitePay group), with
involvement across credit risk, regulatory and data analytics
workstreams:

• Performance analysis of credit portfolios (SmartCash, Pix
Crédito) — balance, delinquency, stop accrual, write-off,
and recovery
• Review of provision modeling (IFRS 9 / CMN Resolution 4,966 /
BCB

Independent work in the real estate market, focused on negotiation, documentation analysis and deal structuring.

Period dedicated primarily to caring for my mother, diagnosed with Alzheimer's disease in January 2014 (passed away in November 2024), with additional support to my father. In parallel, I maintained self-employed activity in real estate consulting for the flexibility required by home care routines. Return to the financial sector in October 2024 with the move to CloudWalk.

Over 12 years at a U.S.-based multinational technology equipment leasing company, with progressive responsibility across finance, funding, and business development, including direct international work across Latin America:

• Structuring and modeling of financial and leasing transactions for corporate clients
• Financial planning and budgeting (FP&A) covering the Brazil operation and other countri

Financial and operational structuring of the Brazilian subsidiary during its greenfield implementation phase:

• Financial and operational modeling of the implementation project
• Structuring of fleet leasing products
• Initial financial planning and budgeting

Work in controlling and financial reporting (local and international) at a captive bank of an automotive group (Daimler / Mercedes-Benz):

• Preparation of managerial and regulatory financial reports for the local operation and for headquarters in Germany
• Internal controls, accounting reconciliation, and account analysis
• Cash flow analysis and planning support
• Monthly and quarterly closing p

External audit work for clients in financial services (banks, financing companies, leasing) and services sectors — first exposure to accounting, controls, and reporting of regulated financial institutions, foundation of the subsequent career in financial services:

• Audit of financial statements under Brazilian and international standards
• Review of internal controls and accounting processes
• A

Quantitative foundation in statistical analysis, mathematical modeling, and data structuring — base applied throughout the career in risk, finance, and credit portfolio analysis.