PagSeguro Digital : PAGS DAY 2021 | Cracking the case on credit asset quality

ROGERIO

GOULART

CHIEF RISK OFFICER

Rogerio Goulart

Chief Risk Officer

Education

• Master of Science Degree: Financial Engineering from USP
• Bachelor's Degree: Civil Engineering from USP

Professional Background

2

Building up a sustainable credit model

		Credit card receivables
Credit Product tied		as a tool for collection
to debtor's need
	STATEMENTS

		No postpone a merchant's
Certify the merchant's
know-how		bankruptcy with a loan

3

Solid pillars lead to healthy asset quality

MASSIVE	TEAM OF	FLEXIBLE
DATA	EXPERTS	PLATFORM

Geo-processedsocio-economic data

Result oriented	Modular structure
Financial system behavior
Knowledge	Fast setup
Credit bureaus
Use of right tools	Simple implementation
Cash flow conduct

4

NPL90 trending down to mid-to-high single digit

	CREDIT
	CARDS¹
	-59%
2019	3Q21

WORKING CAPITAL
	LOAN¹
	-37%
2019	3Q21

5

1. NPL90 Lagged: Non-performing loans rate regardless the effects of the increase of the portfolio amount.