Vinicius F.

Economist from Fluminense Federal University, Brazil and Master in Business Administration and Finance from COPPEAD School of Business – Federal University of Rio de Janeiro, Brazil. I’m a CFA charterholder, having passed all three levels in the first attempt. Throughout my 13 years of experience working in the financial area, I have directly engaged in activities related to Corporate Finance and Financial Markets, as Portfolio Management, fundraising through capital markets, defining the optimal capital structure, modeling of the Balance Sheet, Income Statement, and Cash Flow, as well as multi-year budgeting, short and long-term cash flow projections, valuation, and M&A projects (investments and divestments). Education • CFA Institute (Chartered Financial Analyst) CFA charterholder - Completed in February/2025. • Master Degree Business Administration – Focus in Finance, COPPEAD School of Business – Federal University of Rio de Janeiro (March 2014 – August 2016) - concluded. • Bachelor Economics – Fluminense Federal University (March 2008 - December 2011) – concluded. Languages Portuguese: Mother tongue English: Upper Intermediate (B2-C1 Certified by Oxford House College -Toronto – November 2023) Spanish: Basic. Professional Experience Sulamérica S/A (Rede D’or São Luiz since December 2022) – December 2015 – July 2023 (Largest player in the Brazilian Healthcare sector –Hospitals and Insurance Company) Financial Manager (July 2019 – July 2023) As a Financial Manager overseeing teams of 5 to 10 people, I held responsibility for the Investment Portfolio of the largest healthcare company in Brazil (approximately R$ 20 billion). I used to make investment decisions in conjunction with the SulAmerica's Asset Management firm, allocating assets across a diverse range of Equity, Fixed Income, and Multimarket funds and monitoring market risk using VaR, Stress and Loss Stop metrics. I also served as the lead for fundraising through issuances in the Brazilian capital market and bank credit summing up to R$ 3.4 billion. I have always maintained direct contact with the management, regularly submitting materials to the Board of Directors. Additionally, I participated in Investment Committee meetings at SulAmérica S/A, alongside directors and the majority shareholder. After the acquisition of SulAmérica by Rede D'or, I played a direct role in the integration between the companies with a focus on synergies and took on responsibility for the Investment Portfolio of the Rede D'or group. Other responsibilities in this role: • Managing Indebtedness and Company Rating • FP&A of Investment Portfolio • Asset Liability Management (ALM) • Short-term cash management • Fulfill of regulatory needs (Brazilian Regulatory Agency for Private Health Insurance and Plans, Superintendence of Private Insurance of Brazil, Central Bank of Brazil, Securities and Exchange of Brazil) • IFRS 9, IFRS 16 e IFRS 17 (discount rate) • Multi-year budget • Footnotes related to investment portfolio and indebtedness Investment Consultant (March 2018 – July 2019) • Debenture Issuance of R$ 700 million • Relationship with rating companies; • Implement of Capital Plan (capital structure) • Long-term forecast of financial results Senior Financial Analyst (December 2015 – March 2018) • Cash Flow: actual x budget • Short- and Long-Term cash flow forecast • Equity transactions between companies of SulAmérica Group • Analysis of balance sheet, income statement and cash flow statement • Valuation • Cash Flow budget • Support on M&As projects • Implement of minimum cash rules CR2 Empreendimentos Imobiliários S/A – May 2010 – January 2014 (Real Estate Company) Investor Relations and Financial Planning Analyst (May 2010 – May 2012 as an Intern and May 2013 – January 2014 as an Analyst) • Forecast of balance sheet, income statement and cash flow statement • Economic feasibility studies • Earnings Release and footnotes • Managing of American Depositary Receipts • Relationship with shareholders and partners Treasury Analyst (May 2012 – May 2013) • Cash Management • Portfolio allocation • Equity transactions between companies of CR2 Group • Indebtedness management Opção Consultoria – June 2009 – May 2010 – Financial Consultant (Junior Firm of Economics from Universidade Federal Fluminense) Additional Information • English Course: Oxford House College, Toronto (Upper Intermediate); Cultura Inglesa and Corporate English (PROLEM – UFF) – Completed • CPA 20 Certification (Brazilian Association of Financial and Capital Market Entities) • Excel: Advanced • Bloomberg and Quantum Finance: Basic • Hyperion / Smart View / EPM Cloud • Accenture Risk Control • PeopleSoft