Ricardo Gonçalves da Silva

Holds a B.A. in Economics from the University of São Paulo (USP, 2001) and an M.Sc. in Computer Science and Computational Mathematics – Statistics from the University of São Paulo (USP, 2004). Has experience in Economics and Statistics, with an emphasis on Mathematical, Econometric, and Statistical Methods and Models.

Part-time professor at the University of São Paulo (USP), São Paulo State University (UNESP), and Universidade Paulista (UNIP), with experience teaching both undergraduate and graduate courses.

Beyond academia, has spent over 14 years leading data science and credit-risk modeling teams across the banking, fintech, and technology sectors — including Serasa Experian, Telefónica–VIVO, Banco Votorantim, PicPay, and Núclea (CIP) — applying econometric and machine-learning methods to real-world problems in risk modeling, forecasting, and analytics.

Research interests: Econometrics, Time Series Analysis, Statistical Inference, Applied Stochastic Processes, Real Options & Finance, Asymptotic Theory, Forecasting, Markov Chains, Risk Analysis, Machine Learning, Credit Risk Modeling.

Awards: Fundace Award for Best Monograph, FUNDACE (2001) · FEA Junior Engagement Award, Empresa Júnior FEA (2001).

See the CV page for full education, professional experience, and research history, and Publications for the complete list of papers.