Marcelo Ramalho is the Chief Executive Officer of Provu, a brazilian fintech of personal loans and payment methods. Ramalho has over 20 years of experience in Business, Technology and Entrepreneurship, having delivered new businesses in Financial Services and Credit Risk. He has a track record of bringing successful new products to market, and prior to joining as CEO of Provu he led the launch of the Personal Loans product at challenger bank Nubank. He was also the founder of 2 companies and has worked for many years as a business consultant helping c-level executives on restructuring operations, in Brazil and abroad. Marcelo holds an MBA in Business Administration from FGV, and a major in electrical engineering from UNICAMP.