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Marcelo Scarpa is a seasoned executive with extensive experience in risk management and operations within the financial sector. Currently serving as the Executive Director (CRO) at Digio since April 2019, Marcelo has previously held key positions including Director of Risk and Operations at Hub Fintech, Superintendent of Credit Policies and Fraud Prevention at Cetelem, Credit Product Manager at Credicard, and Fraud Prevention Manager at Citibank. Marcelo possesses an MBA in Economics from FGV - Fundação Getulio Vargas and an undergraduate degree in Business Administration from Pontifícia Universidade Católica de São Paulo.