About us
Atlantic Management Risk Management Consultancy for consumer finance and retail banking focused on expertise transfers
Company Profile
- Expertise in Risk Management for retail banking and consumer finance brought by its Directors through many years managing Start-ups and Growth in Emerging Markets - Brazil, Argentina, Mexico, Russia, Ukraine, Romania, Bulgaria, Nigeria and others
- Deep understanding of Emerging Economies and highly experienced in dealing with their challenges
- Expertise across several business functions and disciplines from strategic level to detailed tactics in Risk Management – policies, process, analytics, score models, fraud prevention, collection
- Advisory based on expertise transfer for all stages of business development - Start-Ups, Growth or/and Consolidation Stages - for a stand-alone consumer finance business or as part of retail banks product strategy
Building Capabilities and Transferring Expertise
World Class Risk Management
requires a combination:
Technology & Infrastructure
Can make the difference when managed with high degree of expertise
People´s Expertise
Can only be deployed in full when supported by strong technology and infrastructure.
Capabilities (Technology)
- Decision engines
- Data warehouse & BIg Data Analytics
- Process flow management softwares
- Analytical tools
Expertise
- Risk Strategies
- Scoring Models (application, behavior, collection, fraud prevention, propensitiy, marketing)
- Analytics (segmentation, clustering, etc)
- Policy rules
- Reporting and Controls
World Class Risk Management
Profitability: Optimization of the Risk and Reaward Equation
Our advisory proposition
Allow the transformation of Risk Management from a supporting function into a source of competitive advantage:
- Well managed risk function allows the bank to profitably enter new market segments, launch innovative product, introduce new distribution channels, pricing strategies and take the business to a level where competitors find challenging to go and match
- Risk analytics are taken beyond Risk function in order to empower Marketing, Products, Finance and Pricing teams in the data driven decision making
Our team
Our professionals have years of experience in risk management, and structuring analytical solutions for Financial Services / Retail / Consumer products.
meet out managing director
Fernando Silva
Managing Director, Atlantic Management
Summary
Fernando Silva has extensive international experience in consumer finance start-ups, retail banking, and product and risk management in mature and emerging markets. He worked in the development of consumer finance businesses from green field in Brazil, Argentina, Mexico, Russia and Ukraine. He is currently the managing director for Atlantic Management where he takes his expertise to advise consumer finance established businesses and start-ups. He has been non-executive board member for Sovcombank and Renaissance Credit in Russia. He has advised investors in their portfolio of retail banks in Russia, Ukraine, Romania, Bulgaria, and Nigeria. Previously, Fernando held the position of SVP & Chief Risk Officer for Renaissance Credit in Russia where he was one of the founders and key member of executive team that created one of the largest consumer finance bank in Russia not only by positioning risk management as core competence and driving force to gain market share but also by incubating product line areas for the bank. The risk strategy in Renaissance Credit allowed the bank to significantly grow the consumer lending assets and market share whilst keeping a high standard of portfolio quality which was recognized by that time by the rating agencies in their review as well as by analysts in the market reports.
Before joining Renaissance Credit, Fernando Silva held senior positions in Risk Management at GE Capital (currently GE Money) in several emerging markets and Europe including the position of Regional Chief Risk Officer for Latin America. In his time with GE Capital, Fernando played also a key role in the development of GE consumer finance banks from start-up operations in Brazil, Argentina and Mexico. Prior to this work with GE, he worked for Citibank card business in Brazil as Quality and Process Development Director where he was responsible for the process re-engineering for the card acquiring, processor and issuer businesses of Citibank with base over 23 million cards. He was also member of FICO Client Advisory Board.
Education
- The University of Birmingham Master of Science (MSc), Finance and Quality Management 1994 – 1995
- Universidade Presbiteriana Mackenzie Bachelor of Science (BS), Metallurgical/Materials Engineering 1983 – 1987
Experience
- Atlantic Management (Portugal) Advisory on consumer finance start-ups, operations, product and risk management strategies for retail banks in emerging markets. Managing Director August 2012 – Present
- Renaissance Credit (Russia) Senior Vice President & Chief Risk Officer 2011 –2012
- Atlantic Management (Portugal) Advisory on consumer finance start-ups, operations, product and risk management strategies for retail banks in emerging markets. Managing Director 2009 – 2010
- Renaissance Credit (Russia) Senior Vice President & Chief Risk Officer 2003 – 2008
- GE Capital Consumer Finance (currently GE Money) (Latin America & Portugal) Chief Risk Officer 1998 – 2003
- CreditCard (Citigroup) (Brazil) Quality Management Director 1996 – 1998
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