Office Pack
Raquel Kalaf
Economist | Product Analyst
Summary
Diligent Product Analyst leading the development of financial products to facilitate cash management. My responsibilities include understanding customer needs, collaborating with development teams, ensuring regulatory compliance, and constantly improving the user experience to drive business growth.
Overview
8
8
years of professional experience
5
5
years of post-secondary education
3
3
Languages
Work History
Product Cash Management Analyst
Bank Of Tokyo-Mitsubishi | MUFG
10.2023 - Current
- Developing and managing cash management products and services;
- Managing Internet Banking, implemented with Agile methodologies for more efficient project management and team collaboration;
- Enhancing payment systems to optimize processes;
- Creating liquidity solutions for clients;
- Collaborating with technical and sales teams to meet client needs;
- Analyzing the market and identifying improvement opportunities;
- Ensuring regulatory compliance in all aspects of the cash management product and service;
- Enhancing user experience, resulting in increased customer satisfaction and retention rates.
Sales Cash Management Analyst
Bank of Tokyo-Mitsubishi | MUFG
2 2022 - 10.2023
- Improved cash management operations by streamlining processes and implementing efficient workflow strategies;
- Focus on offshore interest-bearing current account (USA) and Time Deposit;
- Coordinate implementation of new customers or current customers who are getting a new product;
- Identify customer needs and launch products according to market scenarios;
- Track cash inflows and outflows to set actions to increase the portfolio and negotiate prices and spreads with cash managers to offer competitive product and increase bank market share.
- Commercial prospection of new partners in order to offer payment solutions.
Economic Research Intern
Bank of Tokyo-Mitsubishi | MUFG
12.2020 - 01.2022
- Researches of projections of economic indicators;
- Execution of economic materials that help decision making and strategic support to the bank;
- Analyze the Brazilian political and macroeconomic situation as well as trends in the main sectors of the economy;
- Serving local and foreign customers through meetings, conference calls and specific analyses.
Marketplace Account Executive II
Easy Carros
01.2020 - 05.2020
- Lead commercial negotiations and implementation of new customers
- Ensure the best experience throughout the customer journey;
- Customer portfolio management;
- Ensuring that the platform works correctly and the customer is able to operate within it.
New Business Consultant II
Arval Brasil - BNP Paribas Group
05.2018 - 12.2019
- Business aimed at leasing vehicles for small and medium companies and individuals;
- Development of partnerships with Itaú, Ernst & Young, Accenture and BNP Paribas;
- Creation of sales campaigns.
Prospect Analyst I
Arval Brasil - BNP Paribas Group
11.2016 - 05.2018
- New customers acquisition;
- Lead qualification;
- Negotiations management through the SalesForce CRM platform;
- Follow-up of ongoing negotiations, monitoring of BID's;
- Assistance to the External Sales team in activities with prospects.
Bilingual Receptionist
Arval Brasil - BNP Paribas Group
05.2016 - 11.2016
- Receiving customers and company visitors.
Education
Economics
Universidade Presbiteriana Mackenzie
São Paulo, Brazil 01.2018 - 12.2022
Skills
Project Management
Product Management
Agile Product Management
Excellent Communication
Process Mapping and Improvement
Squad Team Leadership
Problem Solving
Customer Relationship
Analytical Thinking
Cash Management
Software
Matera
SGR
SalesForce
Courses
- English Exchange Program - San Francisco/CA
- Fundamentals of Product Management - Tera
Volunteering
- AIESEC;
- Adotar Patinhas - Homeless animal rescue project;
- Diversity and Inclusion Committee - Arval Brasil - BNP Paribas Brasil.
Timeline
Product Cash Management Analyst
Bank Of Tokyo-Mitsubishi | MUFG
10.2023 - Current
Economic Research Intern
Bank of Tokyo-Mitsubishi | MUFG
12.2020 - 01.2022
Marketplace Account Executive II
Easy Carros
01.2020 - 05.2020
New Business Consultant II
Arval Brasil - BNP Paribas Group
05.2018 - 12.2019
Economics
Universidade Presbiteriana Mackenzie
01.2018 - 12.2022
Prospect Analyst I
Arval Brasil - BNP Paribas Group
11.2016 - 05.2018
Bilingual Receptionist
Arval Brasil - BNP Paribas Group
05.2016 - 11.2016
Sales Cash Management Analyst
Bank of Tokyo-Mitsubishi | MUFG
2 2022 - 10.2023