Andre Fonseca
Head of Business Intelligence @ONMO
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WORK HISTORY
Head of Business Intelligence @ONMO
London, GB
EDUCATION
Escola de Engenharia Mauá
Master of Engineering (M.Eng.), Electrical engineering
Senac São Paulo
Computer Science technician, Computer Science technician
SKILLS
ABOUT ANDRE FONSECA
Head of Credit Risk & Credit Strategy Leader | AI & Data-Driven Risk Management | SQL • Python • Decisioning Engines • LLMsCredit risk and fraud strategy leader with over 10 years’ experience across consumer and corporate lending, credit cards, mortgages, unsecured loans, direct debit, and open banking. Proven track record in designing and delivering credit policy, scorecards, decisioning systems, and case management solutions that balance growth with risk appetite.Credit Risk Leadership: Led strategy and portfolio performance management across the full lifecycle — acquisitions, underwriting, in-life monitoring, early warning, collections, and recoveries — keeping credit losses within target while enabling commercial growth.Analytics & Modelling: Experienced with PD, EAD, LGD, and IFRS 9 modelling; built forecasting frameworks, comprehensive analytical suites, and automated portfolio monitoring systems. Strong background in integrating internal and external data sources, including credit bureaus and behavioural data.AI & Automation: Implemented AI and LLM solutions for credit underwriting and fraud investigations, including prompt engineering, documentation standardisation, and AI-powered case summarisation and prioritisation.Decisioning & Case Management: Designed and integrated decisioning engines and case management solutions, enabling scalable automation across credit, fraud, and AML workflows.Technical Delivery: 20 years of coding experience (SQL, Python, Javascript, SAS, Tableau, VBA) delivering data pipelines, decisioning platforms, and analytics dashboards.Cross-Functional Leadership: Skilled at bridging credit, operations, product, data science, and engineering teams; experienced in stakeholder management with C-suite, regulators, auditors, and external partners.Equally effective in fintech and banking environments, with a hands-on approach that combines technical depth, strategic vision, and leadership to deliver measurable results.
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