Bruno Cruz

Responsável por viabilizar a oferta de cartões de crédito bandeirados aos varejistas emissores, conectando bandeiras, tecnologia e produto, para acelerar a expansão de serviços financeiros no varejo.

Product Manager leading products for vindi´s in person payment solutions.

• Regulatory management of payment facilitators, considering digital wallets, sub-acquirers, marketplaces and cross border operations, ensuring compliance with different business models; • In-depth knowledge of the rules and regulations of the main payment schemes (Visa, Mastercard, Elo, Hipercard, Amex) and BACEN regulations (e.g., Circulars 150 and 3978).

• Leadership in mitigating penalties and negotiating waivers with card schemes, developing action plans to reduce operational risks and promote continuous improvements; • Responsible for preparing and presenting technical defenses directly to card schemes, strengthening institutional relationships and ensuring the integrity of operations.

• Management of annual releases of the main card Schemes, coordinating product and service implementations and updates; • Creation, update, and monitoring of performance indicators for more than 48 card schemes and vouchers, promoting continuous improvement of results; • Full management of demands related to card schemes and vouchers, including negotiations and contractual adjustments, improvement of onboarding processes, resolution of technical and operational issues, as well as leadership in launching new SafraPay products and services to the market; • Product Owner of the I.T. Authorization Squad.

• Specification and approval of B.I. dashboards and strategic KPIs; • Organization of the crisis management committee, contributing to commercial and financial decisions; • Work in compliance, LGPD and internal controls, ensuring regulatory compliance and risk mitigation; • Management of incentive campaigns, promotional actions, and variable compensation policy for Sales teams; • Leadership of process automation projects, aiming at operational efficiency and reduction of manual activities; • Preparation of competitor analysis reports (Vouchers); • Maintenance and update of the pricing policy for commercial establishments.

• Leadership in the creation and implementation of new products, such as intelligence dashboards for media monitoring, integrating platforms and performing data analysis and modeling; • Strategic management of relationships with clients, suppliers, and partners, enriching the Data Lake with external sources and adding value to products; • Participation in functionality testing and approval, ensuring product quality and adherence to market needs; • Identification and implementation of improvements in internal processes, enhancing operational efficiency; • Conducting market studies, economic feasibility analysis, and ROI, including “mystery shopper” projects; • Delivery of training sessions to develop internal teams, focusing on consultative products and innovative solutions.

• Development and implementation of the market strategy for the reward products line: Presente Perfeito, Duo Card and the Top Premium voucher prepaid cards; • Market analysis and competitor benchmarking in the incentives and rewards segment, identifying growth opportunities; • Elaboration and execution of lead generation actions, using digital channels and sales teams, expanding product reach; • Creation of sales support materials and training of commercial teams; • Support in forecasting and defining the monthly budget for the Award Products area; • Collaboration in setting commercial goals, together with the Commercial Planning team, aligning strategic and operational objectives.

• Prospecting, developing, and managing integrated promotional actions among acquirers, banks, and card schemes, aiming to maximize results and strengthen strategic partnerships; • Continuous monitoring of campaign performance indicators, ensuring expected returns for all stakeholders involved.

• Full management of the promotional platform “Cielo Promo,” responsible for creating and monitoring indicators for more than 20,000 annual campaigns; • Training and support for the commercial team, promoting product process improvements and ensuring alignment of marketing strategies; • Monitoring performance metrics, both for Cielo and clients, ensuring effectiveness of promotional actions and achievement of commercial goals.