Responsible for consumer banking, lending, and savings products across 9 countries. P&L of $1.2B. Direct report to CEO.

• Grew daily actives from 11M to 28M (+155%) by re-architecting the home and rewriting onboarding for low-bandwidth contexts.
• Launched Mercado Pago Pro, a paid tier with 4.2M paying members in 14 months — now $310M ARR.
• Built and led a team of 60 across product, design, research, and analytics; reduced senior attrition from 22% to 6%.

Led growth org during the move to in-person commerce after COVID closures.

• Recovered offline TPV from -68% to pre-pandemic levels in 7 months by partnering with 80,000 small merchants on a fee-free QR product.
• Cut paid CAC by 41% by replacing performance ad spend with a referral mechanic that drove 38% of new account opens.

Owned credit card and personal lending for the Brazilian market.

• Shipped Nubank's first secured-card product, opening up the bank to ~12M previously-declined applicants.
• Reduced default rates 19% by rebuilding the underwriting flow around real-time cash-flow signals.