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Heloisa Carvalho is a seasoned professional with significant experience in finance, business execution, and management. Currently a VP of Global Business Execution and Client Management at Citi Commercial Bank, Heloisa has previously held positions as VP of Business Planning at the same institution. Prior expertise includes serving as Credit & Collection Director at Lojas Marisa and as CRO/CFO and Founding Partner at lia - multiplicando futuros. Heloisa also worked as a Risk Expert Associate Partner at McKinsey & Company and as Credit & Data Science Director at Noverde. Heloisa Carvalho holds a Bachelor's degree in Civil Engineering from Escola Politécnica da USP and completed an executive program at IESE Business School in 2019.