Joao Borges
Director Credit Risk at MagaluPay
São Paulo, Brazil
Summary
👤
Senior🎓
Top SchoolJoao Borges is a credit risk and analytics leader with 10+ years of experience combining a computer engineering background and an MS in Operations Research to turn data into profitable business decisions. He has built and scaled credit risk frameworks and data science teams that shifted portfolios from negative RAROC to sustainable profitability, and now leads credit risk at MagaluPay in São Paulo. His career spans high-growth fintech and consumer finance (Nubank, Facio, Aegro), where he owned underwriting, pricing, limits, and acquisition analytics while regularly presenting to boards and investors. Comfortable both in hands-on modeling and in executive strategy, he repeatedly bridges technical execution with C-level decision-making. An early quant researcher, he has also produced high-Sharpe trading models and maintains developer roots (Flutter on GitHub), reflecting a blend of rigorous modeling and product-minded engineering.
10 years of coding experience
8 years of employment as a software developer
Bachelor of Engineering (B.Eng.) Computer Engineering, Bachelor of Engineering (B.Eng.) Computer Engineering at Federal University of PernambucoBachelor of Engineering (B.Eng.) Computer Engineering, Bachelor of Engineering (B.Eng.) Computer Engineering at Rensselaer Polytechnic InstituteMaster of Science (MS) Operations Research, Master of Science (MS) Operations Research at Columbia University
English, Portuguese, Spanish, French, Italian
Github Skills (2)
projeto8
rio7
Github contributions (5)
joaopaulonborges/desafioCleanCodeModular
May 2021 - Aug 2022
Contributions:2 pushes, 2 branches in 1 year 3 months
joaopaulonborges/zombiePanicRun
Feb 2021 - May 2021
Contributions:2 pushes, 1 branch in 2 months
Find and Hire Top DevelopersWe’ve analyzed the programming source code of over 60 million software developers on GitHub and scored them by 50,000 skills. Sign-up on Prog,AI to search for software developers.