How Daniel Dantas Approaches Risk Management in Finance.pdf

Discover how financier Daniel Dantas approaches risk management in finance with precision and foresight. By combining data-driven analysis, diversification, and strategic planning, Dantas transforms uncertainty into opportunity. His method emphasizes resilience, innovation, and informed decision-making to ensure sustainable financial growth.
https://dantasdaniel753.wixsite.com/danieldantas

1. How Daniel Dantas
Approaches Risk Management
in Finance

Exploring strategic leadership, data-driven decision-making, and
operational excellence in financial risk management

2. The Leader Behind Risk Strategy: Daniel Dantas

Leadership Excellence
LATAM Head of Financing Sales & Banco IBM President since April 2025,
bringing over 20 years of proven expertise in finance, credit risk, and
operations leadership at IBM Global Financing.
His deep specialization spans credit risk management, collections
optimization, financial planning and analysis (FP&A), process controls, and
transformational change management across complex financial
environments.

3. Strategic Risk Management Philosophy

Business Partnership
Collaborates closely with business units to align
sophisticated risk controls with aggressive growth
objectives, ensuring risk management enables rather than
constrains opportunity.
Data-Driven Insights

Strategic Balance

Credit Risk Focus
Minimizes credit exposure while supporting flexible client
payment options through intelligent product design and
risk-based pricing strategies.
Leverages advancedcredit scoring models and historical
default analysis to forecast risk accurately and make
informed portfolio decisions.
Expertlybalancesrisk mitigation requirements with
operational efficiency and profitability goals to drive
sustainable business growth.

4. Transforming Credit Risk
Operations
1

4
2
3
Portfolio Expansion

Regional Consolidation
Successfully led the complexAmericas credit risk migration and

Rapid Partner Integration

Portfolio Quality Improvement

Onboardedover 60 newbusiness partners rapidly, integrating
comprehensive risk controls seamlessly without disrupting
business velocity or client relationships.
Reducedportfolio delinquencyby over 100 basis points and
halved the number of delinquent clients through proactive risk
management and collection strategies.
Expanded commercialfinancing portfolio achieving impressive
double-digit revenue growth while maintaining rigorous risk
standards and credit quality metrics.
consolidation to Rio de Janeiro shared services center,
streamlining operations across multiple countries and creating
operational synergies.

5. Robust Controls & Governance

Corporate Governance Excellence
Strategic Partnerships

Oversaw comprehensive statutory responsibilities including accounting, taxation, external
audit coordination, internal controls framework, and data privacy compliance across all
operations.
Achieved prestigious "best in class" corporate governance rating confirmed by independent
PwC audits and rigorous Brazilian Central Bank regulatory examinations.
Improved cash flow velocity
and net income through
process optimization
Reduction in portfolio
delinquency rate
Implemented sophisticated credit policies and
scoring methodologies in strategic partnership
with Serasa Experian, Brazil's leading credit
bureau.
20%
Collection Cycle
Reduction
100+
Basis Points
Improvement

6. Risk Management Tools & Techniques

Deploys sophisticated credit
scoring models and risk-
adjusted financial forecasting
to predict default probability
and optimize portfolio
composition.
Applies process redesign and
Lean Six Sigma principles to
continuously improve risk
controls and eliminate
operational inefficiencies.

Integrates treasury cash flow
planning with accounts
receivable risk data for
comprehensive financial
visibility and control.
Employsscenarioanalysis
and continuous portfolio
monitoring to anticipate
emerging risks and adjust
strategies dynamically.
Integrated PlanningProactive MonitoringProcess ExcellenceAdvanced Credit Scoring

7. Leading Through Change &
Complexity

Team Building Excellence

Shared Services Champion

Transformational Leadership

Strategic Hands-On Approach

Championsinnovativesharedservices models to centralize risk
management capabilities, improve operational consistency, and
drive economies of scale across regional operations.
Emphasizesboth strategic thinking and hands-on leadership,
remaining deeply involved in critical decisions while empowering
teams in dynamic, complex financial environments.
Buildsanddevelopshigh-performing teams focused on assertive
communication, accountability for results, and collaborative
problem-solving in fast-paced financial environments.
Highlyexperienced in managing large-scale transformational
projects that require significant cultural shifts, process redesign,
and stakeholder alignment across multiple business units and
geographies.

8. Real-World Impact: IBM
Financing Portfolio
Portfolio Scale

Client Flexibility
Enabled enhanced payment flexibility for clients while simultaneously
safeguarding IBM's financial exposure through intelligent product
design and risk monitoring.
Recovery Excellence
Delivered record recovery of aged receivables and dramatically
improved overall portfolio health through targeted collection
strategies and process improvements.
Growth with Control
Demonstrated exceptional ability to grow business volume and
revenue while maintaining tight credit risk controls and superior
portfolio quality metrics.
Successfullymanaged multi-billion dollar receivables portfolio
spanning North America and Latin America with diverse client
segments and product lines.

9. Lessons from Daniel Dantas's Approach

Balanced Approach

Cultural Foundation

Strategic Partnership

Continuous Innovation

Leadershipand organizational culture are absolutely critical to embedding risk awareness and
accountability across all teams and functions.
Continuous innovationincredit risk tools, methodologies, and analytics drives sustainable competitive
advantage in dynamic financial markets.
Data andrigorous controls must be carefully balanced with organizational agility and client-centric
solutions that drive satisfaction and loyalty.
Riskmanagementisnotsimply about avoidance4it's about strategic partnership with business growth
initiatives, enabling smart opportunities while protecting the enterprise.

10. Mastering Risk with Vision and
Discipline

Intelligent Risk-Taking

Exemplary Leadership

Proven Results

DanielDantas exemplifieshow
sophisticated, strategic risk
management fuels sustainable
finance success and long-term
enterprise value creation.
Embracing risk intelligently, not avoiding it, is the key to thriving and
winning in today's increasingly complex global financial markets.
Hispowerful blend of strategic
insight, operational rigor, and
inspirational leadership
consistently delivers
measurable, transformative
results.
Let his approach inspire your own journey to smarter, more effective,
and more strategic risk management that drives business success.