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Lavinia Bernal is an experienced risk management professional currently serving as Chief Risk Officer at Natura since November 2021. Prior roles include Sr. Credit & Risk Director at Juvo, Head of Credit Planning at PicPay, and Gerente Executiva de Crédito PF at Banco Triangulo S/A. Lavinia has significant expertise in credit risk management, having held positions such as Credit Policies Head and Product Manager at Citi, where responsibilities included managing a portfolio worth 1 billion in retail lending. With a solid foundation in credit strategy development from Banco Original and extensive experience in unsecured lending and risk policy formulation at Citi, Lavinia has consistently driven performance improvements across various financial institutions. Lavinia's academic credentials include a Licenciatura in Mathematics from USP and a Technology degree in Processamento de Dados from Universidade Presbiteriana Mackenzie.