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Ricardo de Oliveira Silva is an experienced professional in data and analytics, currently serving as the Head of Existing Customer Management Analytics at Jaja Finance since September 2024. Prior to this role, Ricardo held positions at Amplifi Capital as Head of Commercial Analytics from November 2022 to August 2024, and at Barclays UK, where responsibilities included Head Of Data & Analytics for Unsecured Borrowing and Senior Data & Analytics Manager from August 2015 to October 2022. Earlier experiences include working as an Impairment and Capital Demand Manager at Barclaycard and Risk Management Coordinator at Citigroup. Ricardo also advanced through various roles at Citigroup and started professional training with an internship at Unilever. Educational credentials include a Master's in Finance from London Business School and a Bachelor's in Engineering from USP - Universidade de São Paulo.