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Virgilio Message de Oliveira has extensive experience in credit analysis and collection, having worked as an Analista de Crédito e Cobrança at Vipal Borrachas since March 2020 and previously at DaColônia Alimentos Naturais from January 2002 to March 2020. Key responsibilities include credit analysis, client collection coordination, delinquency index development, credit forecasting reporting, and bank reconciliation. Virgilio holds a degree in Business Administration from Fundação Educacional Encosta Inferior do Nordeste (2008-2016) and a Technical degree in Accounting from Universidade Federal do Rio Grande - FURG (2012-2013).