Beatriz Flores Coutinho Porfirio

Led business development and strategic partnerships, crafting tailored business models for companies aiming to launch their own banking services, ensuring financial viability through comprehensive FP&A controls. Developed and executed partner requirements, collaborating closely with product teams to support Issuing, Treasury, and Capital businesses, aligning financial products with each client’s ecosystem to maximize revenue potential while ensuring regulatory compliance and risk mitigation. Managed relationships with BaaS bank partners, negotiating commercial agreements and scaling partnerships across multiple stakeholders, ensuring seamless integration with customized regulatory frameworks, governance policies, and antifraud controls. Defined and implemented payment method strategies, optimizing transaction flows across multiple providers and ensuring alignment with industry best practices in security, fraud prevention, and compliance. Leveraged industry knowledge to craft thoughtful partnership and product strategies, executing initiatives that support organizational goals, and driving innovation in embedded finance, Open Banking, and digital banking solutions, while reinforcing governance standards and adherence to financial regulations.

Led the structuring and management of high-impact operational routines, driving rapid and substantial financial results within the solar energy sector. Spearheaded the development and oversight of key performance indicators (KPIs) and comprehensive reporting mechanisms, significantly enhancing management maturity and investor relations. Engineered and implemented industry-specific metrics, including critical energy production KPIs and loss indicators related to irradiation and maintenance. Established and optimized financial targets, improving the efficiency of financial reporting processes and driving strategic alignment across the organization.

Applied agile methodology to bring fast-paced innovation to medical and cosmetic products while managing regulatory constraints. • Built competitive advantage by selecting the best products to fit the Brazilian market with good margins based on international research on market trends in Europe, the US, and Korea. • Conceived the luxury strategy for expansion in the aesthetic and cosmetic field. Targeted the audience, structured, and launched marketing strategies to scale expansion. • Implemented pricing strategy for B2B and B2C clients to maintain safe margins while expanding the customer base. • Optimized cash flow by building processes and models to improve working capital to fit the market trends. • Built and integrated the valuations KPI with the expansion strategies as part of management structure and control.

IPO + ESG- Preparation - Implement and lead the first governance to board meetings as the first KPI structuring to improve the company valuation. Responsible of implement a management system to manage risks and increase financial returns, build the first supply chain process and performance.

Sustainable and disruptive innovation- ESG integration, Impact investing, risk management, and circular economy Luxury management and branding Women and engagement ambassador

• Scrum master of a machine learning project. • Led projects including costs controls and cost reduction projects integrating with data, analytics. Reduced the rolling mills budget by 3%. Build data structure of root causes to improve problem solving. Mitigation of risks Safety management Led budget of cost controls and cost reduction projects. Lean manufacturing tools Fire brigade squad- volunteer.

• Led a multimillion dollar budget for 3 consecutive years of a casting house. Reduced cost using lean management tools associated with cost accounting for profitability and C-suite presentations. Business analytics integrated with daily routine and financial performance. Led data structuration- extraction and relational databases- build the first daily cash cost report. • Drove more than 50 projects implementing daily tableau BI KPIs with lean management tools. Led a new KPI routine that cut tax risks. Built a daily KPI follow-up, engaging people to separate scrap due by monetizing scrap value. Developed the management system for a casting house-500 people

Synthesis and characterization of core-shell tio2@sio2  particles »  XVI- BMIC (BrasilianMetting on onorganicChemestry)-2012 « Effect of Hydrothermal Treatment on Crystallinity of TiO2 » XIV SICEM – Simpósio em Ciência e Engenharia de Materiais-2012