Carlos Andre M.

Finance professional with over 10 years of integrated experience spanning financial markets and academia, proficient in Python, R, SQL, VBA, and advanced Excel. Holds a PhD in Accounting Sciences from UFPB, with research focused on corporate finance, behavioral finance, and market sentiment, alongside the CFA Charterholder designation. Currently serves as Senior Quantitative Analyst (private credit / structured credit in emerging markets in LATAM). Previously worked as FP&A and Risk Modeling Specialist at Qista CFI, leading FP&A routines, credit risk modeling, and treasury functions; and as Head Equity Research Analyst at TC (TradersClub) and VG Research, covering listed companies, performing DCF and multiples-based valuation, building recommended portfolios, and engaging with Investor Relations teams. Core competencies in valuation (DCF, FCFE/FCFF, multiples), FP&A (budgeting, forecasting, KPIs, variance analysis), credit risk (PD, LGD, EAD, ECL under IFRS 9), structured credit / securitization (tranching, covenants, Monte Carlo simulation), treasury and fixed income (pricing, duration, ALM), and applied data science (survival analysis, Markov chains, state-space models, time series). Since 2018, also serves as Graduate and Postgraduate Professor at FIAP, FUCAPE, USP, and Galicia Educacao, teaching Valuation, Capital Markets, Statistics, and Data Science, bridging academic rigor with practical market application.