Roberto Chaves

Background

About Roberto Chaves

I am a Credit Risk Executive specialized in SME finance, BNPL, and data-driven risk management. Over the past decade, I have led credit and collections strategies across fintechs, financial institutions, and advisory firms, always balancing innovation with discipline. My career spans a broad portfolio of credit products: working capital, receivables-backed loans, bullet loans, non-collateralized SME lending, BNPL/embedded finance, and FIDC structuring. Covering Large Corporates, Middle Market, SMEs, and micro-entrepreneurs. This diversity has given me the ability to design credit strategies adaptable to different risk profiles, economic cycles, and business models. Key highlights include: R$1.6bn+ granted and 500k+ companies analyzed. Structured and deployed Credit-as-a-Service infrastructure with APIs, bureau integrations, and automated decision engines. Implemented fraud prevention frameworks that cut origination fraud to 0%. Delivered portfolio profitability above CDI+7 under pandemic conditions. Designed collections & recovery strategies combining judicial, extrajudicial, and renegotiation playbooks, with embedded KPIs. Pioneered the use of Generative AI in scoring, collections automation, and decision-support for credit portfolios. Beyond the technical side, I am passionate about sharing knowledge and building communities. My goal is to become a reference in the credit and risk space, contributing to industry debates, speaking at conferences, advising companies and funds, and mentoring professionals who want to thrive in fintech and financial services.