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Ever wondered what really makes a great leader stand out? Candido Bracher, the CEO of Itaú Unibanco, says that it is something surprisingly simple yet overlooked: listening more than talking. Despite running a huge company with over 100,000 employees, he swears by the power of listening. We usually picture leaders as the ones doing all the talking, setting directions, and calling the shots. While it’s true that authority is best demonstrated through constant talking, Candido points out that truly effective leaders spend more time listening than speaking. This doesn’t mean nodding along to what people say, but really understanding them and engaging deeply, making them feel genuinely heard. This video first appeared for premium subscribers over a year ago. If you’d like to be a premium subscriber go here: https://lnkd.in/gy_srTcc #LeadingWithVulnerability #leadership #LeadershipTips #PowerOfListening

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To learn or refresh

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The newest edition in English of Pension Funds Magazine is out! Learn more about recent developments in the Brazilian institutional investment market and complementary pension provision at https://lnkd.in/dBkdKmPZ #abrapp #brazil #pensionfunds

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🌟 Conexão Global e Networking no #NovoPbiContábil! 🌟 #PowerBI #Contabilidade #CursoOnline #Contadores #ContabilidadeOnline #Contabilista #Contabeis #PowerQuery #Excel #DAX #AnalistaFinanceiro #AnalistaDeDados #RelatóriosContábeis #VisualizaçãoDeDados #PlanejamentoContábil #DemonstraçõesFinanceiras #ConsultoriaContábil

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Bom dia Pessoal, MAIS UMA VAGA! Buscamos Analista de Pricing Senior para Empresa de Serviços Financeiros: Responsibilities • Receive, store and manage data received from NPL sellers or servicers related to any NPL portfolios for sale; • Elaborate detailed NPL pricing/underwriting analyzes, including: • Evaluate the existing portfolios to be utilized as comps; • Define the comp curves to be used in the pricing/underwriting; • Propose discounts or premiums compared to comp curves due to the characteristics of the portfolio for sale (e.g., avg. ticket per debt, avg. ticket per debtor, avg. aging, debt-debtors ratio, portfolio composition, location of debtors, among others); • Propose and justify assumptions for cost projections (cost-to-collect); • Run IRR analysis and propose price ceiling for the portfolio for sale; • Elaborate investment memorandums (memos) for the analysis and approval of the NPL acquisition by the senior leadership; • Present the NPL pricing/underwriting analysis to senior leadership in meetings or calls, providing real time answers to any questions; • Store and manage historical pricing/underwriting analyzes; • Develop and maintain processes related to NPL pricing/underwriting; • Dig into data and raw information through statistical analysis to discover trends and patterns that can be used to extract valuable business insights; • Interprets data concerning price and future trends of NPL purchase market; • Elaborate buying forecast of NPL portfolios; • Elaborate proformas for any NPL portfolios purchased; • Run quarterly reforecasts for all existing NPL portfolios, providing the assumptions behind the new forecast (new curves) and explaining the reasons for a portfolio to be written up or down; • Develop strong working relationship with local NPL sellers and servicers; Qualifications: • BA/BS in Economics, Engineering, Mathematics, or quantitative field; • Experience in financial/statistical models; experience in NPL pricing/underwriting analysis preferred; • Capable of developing and communicating pricing/underwriting strategies; • Advanced knowledge of cash flow, IRR, and valuation analysis; • Advanced excel skills (charts/formulas/macros/VBA/data tables/goal seek); • Knowledge in SQL, R, Python, MicroStrategy, and/or other database, programming languages, and BI tools; • Strong written skills (memos/reports/presentations/pricing summaries); • Strong conceptual thinking and problem-solving skills using data analysis and utilizing excel or other statistical packages; • Understands general data ingress and data preparation fundamentals required for modeling and analysis; • Ability to interpret data, identify trends, and report data findings; • English Fluency is mandatory; Interessados e alinhados com o perfil encaminhar currículo no link abaixo:

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O que seria de nós todos os dias no trabalho sem o cafezinho? 🥲☕️ What would be of us every single day at work without Coffee? ☕️🥰 Passado para lembrar: Não existe momento ideal para começar algo. Ponha em prática hoje em 5%, 10%, 15%, 20%... O julgamento alheio não pode paralisar seu crescimento. Errou, conserte! O mundo não vai parar por um erro seu. Saia do seu "Microcosmo" e perceba que muitas vezes aquele seu erro (em um contexto macro) é apenas um detalhe. Eu por exemplo, continuo melhorando meu Inglês por aqui e não deixarei de por em prática nessa plataforma por medo de errar. Aprendi a usar as ferramentas ao meu favor e que ser bom ou torna-se um profissional de excelência depende exclusivamente de meu erros e acertos. Então, pega o café e vamos começar! ☕ Em Nordestinês: Aviii Homi! 😂 Have a good Job!

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Dear friends, we’re thrilled to announce that we’re (finally) launching our set custom of gen-ai solutions for the Brazilian market at the #riosebsummit. AI is a game changer for everything analytics. It’s all in Portuguese for now (sorry!),hit me up and we can walk you through our approach and why it’s different. A hint: it’s all powered by Observable. Everything is light-weigh, modular, auditable and reproducible. You can check it out at https://ai.belo.re

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Attention all business owners and finance professionals! The Receita Federal has recently unveiled a new mandatory report for Brazilian companies that benefit from tax incentives and exemptions. Stay informed about the latest tax developments and ensure compliance with the DIRBI. Read the full details here: https://ift.tt/TDoGrz3

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Moving to Brazil can represent an exciting step in your career and a new professional challenge. Brazilian culture is known for its diversity and vibrancy. As an expat or foreign employee moving abroad, it’s important to get a handle on Brazilian society and Brazilian culture—including the language, social customs, and norms around business relationships and etiquette—before you leave home. https://ow.ly/SkJv30sC9el

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Technologies in practice! 🤠 I think if you like deep maths, excel spreadsheets, etc you will be the builder behind these mechanism logic. But, if you are creative, design thinking, strategist, etc you will be driving the technology tools. It is urgent to be aware of how tech is changing our way of work and what position we will take in the new operational model

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Companies around the world cannot say “we are thriving financially” and leave it at that. They must disclose their balance sheets to investors so they can analyze it and make up their own minds. The sustainability field is following suit. Companies will no longer be able to say “we are eco-friendly” without any other explanation. They will need to disclose certain information so that investors and other stakeholders can read and compare with other firms in the same line of business. I am glad to say that Brazil is catching up to global trends. Our Securities and Exchange Commission (CVM in Portuguese) released a new rule mandating that public companies will have until 2026 to follow the International Sustainability Standards Board (ISSB) framework and report according to IRFS S1 and S2. Hopefully once companies start being more transparent and realize they can’t simply greenwash us anymore they might pick up the pace towards decarbonization. https://lnkd.in/dhZRYhNQ

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What a privilege to work with this view! For those who have never been to Belo Horizonte (because if you have been you have seen it), this imposing mountain in the photo's background is the “Serra do Curral” (free translation: Corral Mountain Range). Its name dates back to the time the city was built (1897), and alludes to “Curral del Rei”, the original denomination for the location where the capital of Minas Gerais, Belo Horizonte, emerged. The Serra do Curral has inestimable environmental, cultural, archaeological, hydrological, scenic and social value. It constitutes part of the Serra do Espinhaço (a Biosphere Reserve internationally recognized by UNESCO), housing undeniable ecological wealth, biodiversity heritage, with native forest, transitional from the Cerrado and Atlantic Forest biomes. In 1995, it was chosen as a symbol of Belo Horizonte, and even appears on the city flag. Despite all its importance, it is still subject to illegal mineral extraction. Will the ambition of few end with a beautiful and livable world? I still believe not! Thoughts?

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My master thesis (completed 8 years ago!) was cited in an opinion piece in a Brazilian newspaper specialized in finance. The piece was a bit misleading in my opinion... The author claimed a tax exemption benefit of R$ 360 million per year for semiconductors should go through a thorough cost-benefit analysis, even though it is very small (again, in my opinion) when compared with the total tax exemptions granted by the Brazilian government, which surpass R$ 500 billion per year. Actually, he first mentioned the size of the tax exemption for semiconductors and IT in general and then the tax exemption for semiconductors since the beginning of the program, which are of course much bigger. I also wonder how he proposed quantifying the benefit of a program that supports an industry with so many (positive) effects in the whole industrial sector. https://lnkd.in/dwfyFjY4

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✈ Just got back from a week abroad and I didn't bring any cash. Thanks to PIX, Brazil's digital payment system, I enjoyed a fully cashless week. 💸 From street fairs to malls to a dermatologist's office, PIX is the way Brazilians pay. The best part? Discounts for using PIX over traditional cards, due to significantly lower merchant fees (0.99 to 1.5% for PIX versus 4 to 6% for cards). With 42 billion PIX transactions in 2023 — surpassing both credit and debit card usage, and 72% growth from the previous year — Brazil might just be previewing the future of global payments. Account-to-account (A2A) payments are simpler and quicker. As we navigate the ever-evolving world of payments, it's clear that A2A isn't just a passing trend — it's leading the charge into a new era. From digital wallets to embedded lending platforms, what seemed unlikely just a decade ago is now part of our everyday financial landscape. Here's to more innovation and excitement as we watch the payment landscape transform! 🌍💡 *Pic of Ouro Preto, Minas Gerais, est. 1698, where I was born and raised and my family still resides. #PIX #Payments #ConsumerFinance

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Acabei de concluir o curso “Nano Tips to Foster a Growth Mindset and Mental Agility with Shadé Zahrai” de Shadé Zahrai! Confira em: https://lnkd.in/dnZNusng #pensamentocrítico #desenvolvimentopessoal.

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