Rodrigo Machado Costa

I lead the construction of the new corporate pricing platform for Loans and Investments, responsible for integrating pricing strategy, decision engines, APIs, products, channels and CRM. I work on revising pricing policies, CAPEX management, multidisciplinary squads, OKRs, FinOps, architecture, observability, testing and governance, contributing to more than R$ 100 million in additional margin.

• Implemented personalized pricing for payroll loans, personal loans and working capital, enabling more than 100 million monthly pricing decisions. On the roadmap: FGI, Pronampe, overdraft credit line (CCG), acquiring advances, and credit card installments.
• Implemented FlexRate for Investments (CDB, LCI, LCA), a solution to personalize the rates of proprietary-issued securities at the client level.
• Deployed new segmentation and propensity-score models for personal loans, payroll loans and working capital, increasing contracting propensity and raising conversion by +4pp.
• Leads the team responsible for the parameterization and end-to-end management of the pricing engines, reducing the time to evolve and deploy policies from weeks to as little as D0.
• Leads the development of Generative AI (GenAI) solutions applied to Pricing, including the Pricing iAdvisor, which uses structured and unstructured data to generate insights and support pricing-flexibility analyses for corporate clients, and the Impact Simulator, a solution that lets strategy teams simulate impacts on risk-adjusted profitability from pricing policies documented in Word.
• Developed a solution and policies to enable price-communication campaigns and abandoned-cart journeys with repricing, with an expected R$ 50 million in incremental revenue.
• Leads the development of a transactional cross-sell calculator, integrating cash and credit to support price defense in corporate deals.