There I structured all sort of products, from plain vanilla loans to sophisticated bonds, to some of Brazil’s

largest real estate and construction companies. Working in an intense and meritocratic environment
gave me an incredible understanding about the gears that move the economy and how to get things
done quickly, with little information.

Also, part of my time was dedicated to managing a portfolio of loans extended to companies (medium
and small) owned by wealth management clients. After a while, I figured out that I was spending too
much time over those loans, which were super expensive to the companies and weren’t very profitable
to the bank. It just didn’t make sense!

It was end of 2015 and I started to question whether there was a solution for that problem. One day, it
was browsing around the internet that I laid my eyes on the term FinTech for the first time. It was love
at first sight, as I realized that a huge wave of startups was getting to the market to solve, among many
others, the exact same problem that I had. Fantastic!