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Joel Carlos Bagio, CEA, currently serves as the Regional Business Manager at Unicred Porto Alegre since October 2021, where responsibilities include strategic business development, team management, and financial planning. Previously, Joel held positions such as Credit and Collection Coordinator and Business Development Consultant at Unicred Porto Alegre, contributing to significant growth metrics and operational improvements. Prior experience includes serving as Regional Business Manager at Creditá S.A. and various managerial roles at Banco Itaú, focusing on business growth and client relationship management. Joel holds multiple advanced degrees in Management and Business, along with specialized education in Strategic Human Resource Management and Financial Management.