Paulo Roberto Machado Nunes is a highly accomplished credit and financial risk professional with a decade of experience across banking, fintech, and corporate sectors. His expertise spans credit strategy, data science, financial analysis, and risk modeling—making him a valuable asset in the ever-evolving world of data-informed financial decision-making.

Currently serving as a Credit Strategy & Data Specialist at Grupo Boticário, one of Brazil’s largest private companies, Paulo is responsible for managing credit portfolios and developing advanced risk and collection scoring models. He provides strategic, data-driven insights to senior executives, ensuring credit policies align with corporate risk tolerance and market dynamics. His work helps guide decisions that balance profitability, credit growth, and risk mitigation.

Paulo’s previous roles highlight his leadership and technical sophistication. At Clara Pagamentos, a rapidly scaling fintech, he led a 12-person control desk team, helped structure corporate credit policies, and played a key role in a USD 150 million debt transaction with Goldman Sachs USA. His efforts were instrumental in Clara’s certification as a financial institution under Brazil’s Central Bank—a milestone in the company’s growth trajectory.

Earlier in his career, Paulo held senior roles at ACENTRA – AILOS Cooperative, DEPS Tecnologia, and PBG S/A, where he specialized in credit cycle strategy, large client risk analysis, and credit loss reduction initiatives. He has managed high-value portfolios and advised on risk strategies for major international clients including Coca-Cola/FEMSA, Calvin Klein, and Rede Globo.

Academically, Paulo holds a postgraduate diploma in Financial Analysis and Planning from PUC-PR, and he is currently pursuing a postgraduate degree in Data Science at Cruzeiro do Sul University. With a background in mechanical engineering and technical training in electronics, he brings a rare combination of technical precision and financial acumen. He is proficient in Python, SQL, and financial modeling, equipping him with the tools to automate insights and enhance strategic clarity.

Fluent in Portuguese and experienced in collaborating with international teams, Paulo is known for his analytical mindset, clear communication, and solution-oriented leadership. At Balfour Capital Group, he brings a forward-looking perspective to credit and portfolio management—helping clients and partners navigate complexity with confidence, control risk effectively, and unlock long-term value.