CV
Curriculum Vitae of Ricardo Gonçalves da Silva — Academic record (Lattes) and Professional record (LinkedIn).
Contact Information
| Name | Ricardo Gonçalves da Silva |
| Professional Title | Researcher in Economics & Statistics |
| Location | São Paulo, Brazil |
Professional Summary
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). Experience in Economics and Statistics, with an emphasis on Mathematical, Econometric, and Statistical Methods and Models. Part-time professor at USP, UNESP, and UNIP, with experience teaching undergraduate and graduate courses. Beyond academia, has spent over 14 years leading data science and credit-risk modeling teams in the banking, fintech, and technology sectors, applying econometric and machine-learning methods to real-world risk, forecasting, and analytics problems.
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Academic Experience
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2008 - 2008 United States
Visiting Professor
SAS Institute
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2005 - 2006 Rio Claro, Brazil
Professor; Coordinator of the Research and Extension Nucleus (NICE)
Associação de Escolas Reunidas (ASSER)
Taught “Costs and Pricing” (undergraduate, Business Administration); supervised student monographs.
- Research: Econometrics, Economic Theory, International Economics, Statistics
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2005 - 2005 Brazil
Assistant Professor
São Paulo State University (UNESP)
Taught “Microeconomics” (graduate level, Economics).
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2002 - 2004 São Carlos, Brazil
Graduate Teaching Assistant (Teaching Improvement Program - PAE)
University of São Paulo (USP) - ICMC
Taught “Stochastic Processes” and “Introduction to Probability and Statistics II” (undergraduate); research and development of technical-scientific articles and software.
- Research lines: Statistical Inference, Time Series Analysis, Asymptotic Theory, Econometrics, Real Options & Finance, Applied Stochastic Processes
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1998 - 2001 São Paulo, Brazil
Research Assistant
University of São Paulo (USP) - FEA
Development of new econometric research techniques and estimation of computationally intensive models.
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2006 - 2008 Brazil
Credit Technology Coordinator / Statistical Analyst - Econometrics
Serasa S.A. (Serasa Experian)
Development of econometric models for credit decisions and default prediction.
- Research: Econometrics, Time Series, Forecasting, Markov Chains, Risk Analysis, Economic Policy
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2008 - Present Journal Reviewer
Structural Change and Economic Dynamics
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2007 - Present Journal Reviewer
Journal of Economic Growth
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2007 - Present Journal Reviewer
Economic Modelling
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2007 - Present Journal Reviewer
European Journal of Operational Research
Education
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2002 - 2004 São Paulo, Brazil
M.Sc.
University of São Paulo (USP)
Computer Science and Computational Mathematics - Statistics
- Thesis: "Hypothesis tests and Bayesian model selection criterion for time series with unit root."
- Advisor: Marinho Gomes de Andrade Filho
- Funded by CNPq (Brazilian National Council for Scientific and Technological Development)
- Keywords: Stochastic Differential Equations, Time Series, Wiener Process, Econometrics, Unit Root, Finance
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1996 - 2001 São Paulo, Brazil
B.A.
University of São Paulo (USP)
Economics
- Monograph: "Economic Growth and Convergence: An Empirical and Comparative Analysis of Classical, Bayesian, and Frequency Domain Views."
- Advisor: Eliezer Martins Diniz
- Funded by CNPq
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2007 - 2007 São Paulo, Brazil
Short course (8h)
University of São Paulo (USP)
Complementary training: Modelling Dependent Financial Risks (Non-Gaussian)
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2003 - 2003 São Paulo, Brazil
Short course (8h)
University of São Paulo (USP)
Complementary training: Elliptical Distributions and Applications in Finance
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2003 - 2003 São Paulo, Brazil
Short course (6h)
University of São Paulo (USP)
Complementary training: Modelling Dependence Through Copulas
Projects
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Economic Indicators in Default Forecasting
Incorporation of macroeconomic determinants into default forecasts using a Vector Autoregressive (VAR) methodology via Composite Leading Indicators. Coordinator: Ricardo Gonçalves da Silva.
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Econometric Methods in Macroeconomics and Finance
Development of econometric methods in macroeconomics and finance. Team: Ricardo Gonçalves da Silva (member); Milton Barossi Filho (coordinator).
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New Econometric Techniques for the Study of Economic Growth Models
Development of new statistical methodologies addressing econometric issues in economic growth analysis, isolating groups of countries homogeneous with respect to unit roots. Team: Ricardo Gonçalves da Silva, Milton Barossi Filho (members); Eliezer Martins Diniz (coordinator). Funded by CNPq.
Awards
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2001 Fundace Award for Best Monograph
FUNDACE
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2001 FEA Junior Engagement Award
Empresa Júnior FEA
Languages
English : Fluent - good comprehension, speaking, reading, and writingSkills
Econometrics & Statistics (Expert): Econometrics, Time Series Analysis, Statistical Inference, Applied Stochastic Processes, Real Options & Finance, Asymptotic Theory, Forecasting, Markov Chains, Risk Analysis -
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Professional Experience
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2025 - Present São Paulo, Brazil
Data Science Consultant
Núclea
- Produce, test, and experiment with statistical models applied to different business areas
- Create, maintain, and update analytical reports for the squad and the business
- Bring insights and conduct experiments with business areas
- Develop predictive models using machine learning techniques to solve business problems
- Support the business and sales teams in presenting company products to potential clients
- Prepare technical presentations to discuss and demonstrate analysis and model results to technical stakeholders
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2024 - 2025 São Paulo, Brazil
Data Science Manager
BIP Brasil
- Led a cross-functional team on regulatory projects (Bacen Resolution 4,966/21), focused on credit risk model development, regulatory compliance, and data governance
- Built the 6-to-12-month strategic roadmap for the Data Science area, defined short- and medium-term goals based on company OKRs, and aligned deliverables with corporate and regulatory objectives
- Worked on Generative AI projects
- Developed and productized predictive credit risk models integrated with Big Data platforms and legacy systems; defined MLOps and monitoring practices for origination, behavior, and collections
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2023 - 2024 São Paulo, Brazil
Data Science Consultant
Kenlo
- Managed a multidisciplinary team of 9 (data scientists, analysts, financial specialists), promoting technical integration, delivery alignment, and analytical solution development
- Implemented statistical models incorporating macroeconomic variables, ran stress tests and sensitivity analyses, improving score robustness and market fit
- Implemented a Machine Learning algorithm to productize risk models across application, behavior, and collection stages, with systemic integration and predictive performance monitoring
- Analyzed large volumes of delinquency data, generated strategic recommendations, supported executive leadership, and contributed technically to internal committees and regulators
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2021 - 2023 São Paulo, Brazil
Executive Data Science Manager
minu.co
- Managed a team of 12 professionals, supported recruiting of 10 analysts/scientists, built the data science roadmap, and integrated product, engineering, and marketing for strategic analytics delivery
- Organized and analyzed data via Looker and Power BI dashboards with financial, commercial, and customer KPIs to support company OKRs
- Developed graph-based recommendation models using Neo4j, focused on segmentation and reward personalization, integrating business rules with product and marketing strategy
- Implemented predictive and time-series models for P&L and credit forecasting; structured data governance and participated in the LGPD compliance executive committee
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2019 - 2021 São Paulo, Brazil
Data Science Manager
PicPay
- Managed a team of 15 data scientists, set priorities, tracked KRs aligned to company OKRs, and led strategic initiatives in credit risk and data science
- Developed statistical and machine learning models, including time series forecasting and credit risk modeling, using R and Python across risk and customer service projects
- Led the “Customer Genomics” project, analyzing user behavior via clustering, data mining, and NLP embeddings (Generative AI) for growth and activation strategies
- Implemented automatic legal-entity categorization using NLP to review and automate business registration records, improving classification and indexing efficiency
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2017 - 2019 São Paulo, Brazil
Data Science Manager
Avante.com.vc
- Managed the data science and engineering team (10 people), set priorities, built the technical roadmap, tracked OKRs, and coordinated the company’s strategic initiatives
- Developed credit risk models for SMEs, built a predictive default system and anti-fraud solutions based on geolocation and machine learning in production environments
- Led statistical modeling and machine learning projects, training and leading a multidisciplinary team, validating models, and optimizing data-driven decision processes
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2015 - 2016 São Paulo, Brazil
Lead Data Scientist
Telefônica Brasil
- Managed a technical team of 5 and coordinated statistical and predictive modeling projects for software failure detection and customer clustering in a Hadoop environment using SAS, R, and Hive
- Integrated systems and consolidated large data volumes in Hadoop clusters using MapReduce, supporting legacy systems and aligning with the business’s Big Data strategy
- Provided strategic mentoring on analytical and predictive models focused on business insights, organizing data flows, validating deliverables, and interfacing with BI and engineering teams
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2010 - 2014 São Paulo, Brazil
Lead Data Scientist
Banco Votorantim
- Validated credit risk models based on Basel Accord parameters, analyzing performance and statistical stability for regulatory compliance and audits
- Developed regulatory and internal models estimating PD, EAD, and LGD, structuring parameters applicable across the bank’s business lines for credit risk and regulatory capital
- Calculated economic capital and unexpected losses through operational risk modeling, applied to strategic risk management indicators, supporting compliance and corporate governance
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2006 - 2008 São Paulo, Brazil
Mathematical Modeling Coordinator
Serasa Experian
- Managed the team’s mathematical modeling routines and construction of economic and sector indicators (MIS), tracking deliverables aligned with organizational strategy
- Developed 50+ statistical credit risk models, including individual (PF) and business (PJ) segmentations, applied to behavior, collections, and delinquency scores
- Conducted macroeconomic analyses with active participation in FEBRABAN meetings, built delinquency indicators, and developed a risk estimation methodology for national SMEs
Certifications
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- Certification
The Five-Step Creative Process
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- Certification
Feature Engineering for Machine Learning
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- Certification
Experian Jam - 4th Edition (Participant)
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- Certification
Managing High-Performance Professionals
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- Certification
LangChain - Develop LLM-Powered Applications with LangChain
Languages
English : Full Professional ProficiencyPortuguese : Native or Bilingual ProficiencySkills
Data Science & Machine Learning (Expert): Data Science, Machine Learning, Business Intelligence, Credit Risk Modeling (PD, EAD, LGD), Big Data, Natural Language Processing, MLOps, DataOps, Agile Management -