Ricardo Cheong

Ricardo Cheong currently serves as the Business Development & Analytics Director at Clip since August 2023. Prior to this role, Ricardo worked at Bradesco in Product Analytics from September 2019 to August 2023. With extensive experience in credit policy and analytics, Ricardo held the position of Gerente de Políticas de Crédito Latam at Itaú Unibanco from September 2008 to May 2019, managing a significant credit portfolio across multiple Latin American countries. Earlier roles include Gerente de politicas de credito e risco pj at Unibanco, focusing on commercial credit and risk management, and various positions at Citi as a Business Analyst, enhancing market information flow. Academic qualifications include a Master's degree in Management for Competitiveness, Finance and Controllership from FGV and a Bachelor's degree in Business Administration from the University of São Paulo.