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Michelle Tanaka possesses extensive experience in credit risk management and business analytics, currently serving as Gerente de Risco de Crédito at Educbank since November 2023. Previous roles include Business Analytics Associate Manager at Nubank and Credit Modeling Specialist at Revelo. At Provi, Michelle focused on student credit strategy, while at Creditas, the focus was on pricing analysis for home equity and payroll loans, as well as policy development for specific profiles. Early in the career at Itaú Unibanco, Michelle gained experience in pricing policies and digital collection strategies. Michelle earned a Bachelor's degree in Electrical and Electronic Engineering from Escola Politécnica da USP.