Stanford University Graduate School of Business

USP - Universidade de São Paulo

Tera

University of Virginia

Rice University

University of Maryland

University of La Verne

Growth, Engagement & Monetization - SumUp Bank at SumUp. WE ARE HIRING! :)

Career Break

Personal goal pursuit

Payments and SaaS Startup.
Direct report to the CEO.
6 stakeholders to manage: Directors of Sales, Product, Tech, Operations and Investors (SoftBank).
Leader of a 30+ members team, direct report of 4 managers.

Responsibilities:
- Responsible for everything finance: FP&A, Controlling, Accounting, Tax, Treasury, AR, AP, Payroll, and other smaller teams: People&Culture, Legal, Compliance, Procurement, Facilities;
- ERP Implementation (TOTVS Protheus) and internalization of all accounting, tax and payroll processes.
- Creation from scratch of the company’s financial model, as well as the yearly budget process. It became the single source of true for all financial discussions;
- Business controlling routines, analysis and projects regarding unit economics, ARR, customer acquisition ROI and Payback metrics, LTV/CAC;
- Financial reporting to the board of directors, discussions regarding growth, profitability, unit economics and LTV/CAC;
- Sales and operation planning (S&OP);
- Pricing discussions regarding new products, elasticity and cannibalization models together with profitability impacts;
- Revenue management routines together with Sales and marketing teams;
- Business partner role for all FP&A and overall finance subjects with Sales, Operations and Product teams;
- Financial analysis, business KPIs, growth & CAGR, LTV/CAC, LTM and YTD horizontal analysis, profitability, ROI, direct and indirect cash flow reports / projections.

Highlights and main projects:
- Awarded with company stock options due to outstanding individual performance;
- Reprioritization of all Sales and Customer Acquisition Channels after a complete review of all financial metrics regarding sales, acquisition funnels conversion rates, LTV/CAC and churn rates;
- Creation of executive reporting package and monthly presentation and discussion with board of directors regarding company results (P&L, Balance Sheet, Cash Flow), KPI’s, Unit Economics and budget Vs actuals analysis;

Hyperlocal

CFO | Diretor Financeiro

Payments Fintech - company with yearly 3 digits growth rates.
Direct report to the Global CFO and dotted line to the Latam CEO.
10 stakeholders to manage, mainly directors and senior managers of Sales, Operations, Product, Tech, Risk & Fraud and Marketing teams, as well as Global Product and Tech Directors.
Leader of a 20+ members team, direct report of 2 managers and 1 coordinator.

Responsibilities:
- Creation from scratch of all reports, KPI’s and controls of the new banking business of the company;
- Banking Business controlling routines, analysis and projects regarding unit economics,  ARR, customer acquisition ROI and Payback metrics by channel, LTV/CAC control;
- Banking revenue management routines together with Sales and Marketing teams;
- Pricing strategy, simulation models and decisions for new products. Direct impact on the unit economics of the BU;
- Sales and operation planning (S&OP);
- Business partner role for all FP&A and overall finance subjects with banking product and tech teams;
- Performing banking BU financial analysis, including business KPIs, growth & CAGR, LTV/CAC, LTM and YTD horizontal analysis, profitability, ROI, and direct and indirect cash flow reports and projections;

Aside from FP&A scope:
- Responsible for all finance, Pix, regulatory and compliance related to the SumUp regulated Financial Institution | Sociedade de Crédito Direto (SCD) - Digital Bank.
- End to end process of creating and operationalizing a new SCD, including relationship with Brazilian Central Bank: (1) SCD license approval in 4 months | (2) Pix: strategy and launch of all Pix features from day one; (3) Banking financial setup: treasury (“cabine e pilotos”), COSIF accounting, CADOC reporting using SAP S4Hana, Banking reconciliation, Product compliance, Customer AML/KYC, CCS and BacenJud.

SumUp

Head of Finance - SumUp Bank

Payments Fintech - 3 digits growth rate.
Direct report to the Global CFO and LATAM CEO.
8 stakeholders, mainly directors and senior managers: Sales, Operations, Risk & Fraud and Marketing teams.
Leader of a 12+ members team, direct report of 2 coordinators.

Responsibilities:
- Business controlling routines, analysis and projects regarding unit economics, ARR, customer acquisition ROI and Payback metrics, LTV/CAC;
- Pricing for new products, elasticity and cannibalization models together with profitability impacts;
- Sales and operation planning (S&OP);
- Revenue management routines together with Sales and marketing teams;
- Business partner role for all FP&A and finance subjects with business teams;
- Latam financial analysis, including business KPIs, growth & CAGR, LTV/CAC, LTM and YTD horizontal analysis, profitability, ROI, and direct and indirect cash flow reports and projections;
- Improvements on Working capital and cash conversion cycle;
- Yearly budget process and monthly actual Vs budget routines;
- Analyzing indirect cash flow (FCFF, FCFE: CFO, CFI, CFF);

Highlights and main projects:
- 2 times awarded with company stock options due to outstanding individual performance;
- Monthly presentation and discussion with board of directors regarding company results (P&L, Balance Sheet and Cash Flow), KPI’s, Unit Economics and budget Vs actuals analysis;
- Improvement in cash conversion cycle together. Creation of new financial model to predict demand and reduce inventory OPEX;
- Sales Finance: Creation from scratch the financial logic to new acquisition channels together with Sales team, including commission logic and payback control;
- Supported 2 rounds of equity funding;
- Improvement of team eNPS, from -4 to 52;
- Finance leader for the PMI (Post Merge Integration) of Payleven.

Aside from FP&A scope:
- Responsible for all controllership, accounting, tax and treasury routines;
- Lead the local ERP SAP S4HANA implementation (FI, CO, FICO, MIGO, MIRO).

Business Controller 

Investment Banking Boutique - customers across a wide range of industries with revenues from BRL 100M to BRL 1Bi.
Direct report to the FP&A Director and Partner.
Leader of a 6 member team: analysts and interns.

Responsibilities:
- Leadership of all M&A projects, across various industries (Consumer Goods, Automotive, Tech, Healthcare, Education) on both buy-side and sell-side;
- Leading due diligence projects, deal negotations and final contracts (LOI, MOU, SPA);
- Constant use of english as the primary language to all things related to the cross-border projects;
- Direct contact and influence with many stakeholders (clients Senior Leadership and Investors);
- Performing company financial analysis, including business KPIs, growth & CAGR, LTV/CAC, profitability, ROE, and direct and indirect cash flow analysis and projections;
- IRR and NPV analysis (TIR / VPL);
- Transforming accounting figures (P&L, balance sheet, and trial balances) into management figures to discuss with customers top management and investors;
- Conducting industry analysis;
- Developing investment theses;
- Creating P&L and balance sheet financial analysis and projections;
- Creating valuation models, including discounted cash flow (DCF), comparable industry multiples, and cost of capital analysis (WACC & CAPM);
- Analyzing indirect cash flow (FCFF, FCFE: CFO, CFI, CFF);
- Preparing budgets, forecasts, and long-term plans (1 year, 3 years, 5 years, and 10 years);
- Simulating and structuring company long term debts.

Highlights and main projects:
- 20+ projects and 5 deals closed.

Excelia Gestão e Negócios

FP&A Manager - M&A and Private Equity 

Investment Banking Boutique - customers across a wide range of industries with revenues from BRL 100M to BRL 1Bi.
Direct report to the FP&A Senior Manager.
Leader of a 2 member team: analyst and intern.

Responsibilities:
- Full involvement in M&A projects across various industries (Consumer Goods, Automotive, Tech, Healthcare, Education) on both buy-side and sell-side;
- Performing company financial analysis, including business KPIs, growth & CAGR, LTV/CAC, profitability, ROE, and direct and indirect cash flow analysis and projections;
- IRR and NPV analysis (TIR / VPL);
- Transforming accounting figures (P&L, balance sheet, and trial balances) into management figures to discuss with customers top management and investors;
- Conducting industry analysis;
- Developing investment theses;
- Creating P&L and balance sheet financial analysis and projections;
- Creating valuation models, including discounted cash flow (DCF), comparable industry multiples, and cost of capital analysis (WACC & CAPM);
- Analyzing indirect cash flow (FCFF, FCFE: CFO, CFI, CFF);
- Preparing budgets, forecasts, and long-term plans (1 year, 3 years, 5 years, and 10 years);
- Simulating and structuring company long term debts;
- Providing due diligence support and assisting in contract negotiation (LOI, MOU, SPA).

Highlights and main projects:
- 12+ projects and 3 deals closed.

FP&A Coordinator - M&A and Private Equity

Investment Banking Boutique - Companies across a wide range of industries, revenues between BRL 100M and BRL 1Bi.
Direct report to the FP&A Manager.

Responsibilities:
- Full involvement in M&A projects across various industries (Consumer Goods, Automotive, Tech, Healthcare, Education) on both buy-side and sell-side;
- Performing company financial analysis, including business KPIs, growth & CAGR, LTV/CAC, profitability, ROE, and direct and indirect cash flow analysis and projections;
- Transforming accounting figures (P&L, balance sheet, and trial balances) into management figures to discuss with customers top management and investors;
- IRR and NPV analysis (TIR / VPL);
- Conducting industry analysis;
- Developing investment theses;
- Creating P&L and balance sheet financial analysis and projections;
- Creating valuation models, including discounted cash flow (DCF), comparable industry multiples, and cost of capital analysis (WACC & CAPM);
- Analyzing indirect cash flow (FCFF, FCFE: CFO, CFI, CFF);
- Preparing budgets, forecasts, and long-term plans (1 year, 3 years, 5 years, and 10 years);
- Simulating and structuring company long term debts;
- Providing due diligence support and assisting in contract negotiation (LOI, MOU, SPA).

Highlights and main projects:
- 8 M&A projects and 1 deal closed.

FP&A Senior Analyst - M&A and Private Equity

B2B Chemical Manufacturing.
Direct report to the Corporate Development Manager.

Responsibilities:

- Act as a financial partner for the Sales and Operations team;
- Present top-line sales results and profitability to the Board of Directors;
- LATAM Sales projections and forecasts;
- Sales and operation planning (S&OP);
- Actual Vs Budget monthly report, alongside with variation analysis;
- Develop financial models and forecasts for new projects with Key Account customers;
- Conduct industry studies and benchmarks;
- Monitor and forecast LATAM market share using Euromonitor's data;
- Monthly control of Sales, Direct/Indirect Costs and profitability KPIs by vertical, product categories, customers industries and Key Accounts;
- Pricing and profitability simulation models;
- Budgeting for new sales projects.

Highlights and main projects:
- Developed a more executive presentation template for the LATAM Director;
- Assisted in the annual budget creation for LATAM, reviewing and improving top-line and cost assumptions in collaboration with the SSC (shared services center) accounting and tax team;
- Participated in all financial models, forecasts, pricing alternatives, and scenarios for the special sales project for the Brazilian Olympics and World Cup (Infrastructure and Real State B2B products).

DuPont

FP&A Analyst and Sales Finance 

B2B: Appliances, Electrical, and Electronics parts and machines.
Direct report to the FP&A and Sales Finance Manager.

Responsibilities:

- Sales Finance Business Partner;
- Sales projections and forecasts;
- Sales and operation planning (S&OP);
- KPIs monitoring regarding key accounts and product category profitability;
- Pricing and profitability simulation models;
- Budgeting for new sales projects;
- Reports and presentations for the European Headquarters regargind top line and profitability of the LATAM Business.

Highlights and main projects:
- Work on creating a new pricing and margin model alongside the accounting team;
- Budgeting and sales control for the **company's** major sales projects: UHE Belo Monte and UHE Jirau.

Paulo Mingrone