BRUNO PASSOS

• Lead the surveillance of RMBS, ABS, and SME-CLO transactions, conducting portfolio credit analysis, and preparing rating action recommendations.
• Review legal documents (e.g., prospectus, hedging agreements, due diligence reports), and assess asset-liability structures using DBRS cash flow engines and Intex.
• Monitor performance trends (including delinquencies, defaults, prepayments, and excess spread), and ensure the accuracy of published analytics reports.
• Collaborate with cross-border teams, support transaction amendments, and represent DBRS in market meetings and industry events.
• Develop internal tools and contribute to press releases, commentaries, and structured finance market research.

• Responsible for the surveillance of covered bond programs issued by European financial institutions.
• Built and validated loss assumptions and cash flow models, authored final rating reports, and surveillance updates.
• Participated in issuer meetings, led report disclosures, and ensured compliance with ECB-related regulatory standards.
• Redesigned and automated the mortgage asset loss model, enhancing performance and traceability.

• Launched and operated a laundry business in São Paulo, focusing on customer acquisition, pricing strategy, and operational workflows.
• Managed the business independently while maintaining a full-time career in financial services.

• Designed credit policies, aligned rating profiles with commercial strategy, and evaluated portfolio KPIs and default behavior.
• Implemented a company-wide credit engine and developed the MIS for the Financial Products unit.
• Generated leads, analyzed credit performance, and supported business expansion through automated risk assessment.

• Conducted profitability studies, P&L analysis, and break-even assessments for key products.
• Prepared business cases and strategic presentations for senior leadership.
• Supported budget consolidation and contributed to the launch of a credit product for receivables discounting.

• Supported the development of internal risk models and SME credit strategies.
• Assisted in credit renegotiations and portfolio monitoring.

Sales Finance - Financial Manager (Sep 2015 to Jun 2016)

• Led forecasting, cost, and profitability analysis; managed four analysts tracking sales KPIs and credit risk.
• Supported strategic planning and was awarded 1st place in Brazil's PEX Program.

Supply Chain Controlling - Expert (Sep 14 to Aug 15)

• Oversaw industrial cost analysis for 39 plants in LATAM, and led system improvement projects.

Supply Chain Controlling - Analyst (Jan 14 to Aug 14)

• Conducted cost variance analysis and supported budget planning.

• Built valuation models, performed pricing, and due diligence (financial, tax, labor), and developed investor materials.

• Prepared teasers, target lists, investment memos, and valuation models.

• Conducted cold calls to acquire clients in the UK retail and institutional markets.