Fernando de Paula Lima is a Managing Partner at Utility Credit, a credit boutique that provides agile and intelligent solutions for medium-sized Brazilian companies seeking innovative financing structures. Fernandos's background is anchored by his degree in Economics from Pontifícia Universidade Católica de Minas Gerais, an MBA in Finances from Ibmec, and a course of Operador de Mercado Financeiro at FIA USP.

Before joining Utility Credit, Fernando worked in various finance organizations, including being a former Associado at IFL - Instituto de Formação de Lideres, the Diretor de Relações com Investidores at Premier Capital, the Superintendente de Operações Estruturadas at Banco Semear, and the Managing Partner at PBA Capital. His economic expertise includes Consultoria na montagem da área de renda fixa at Corval CVM and Economist Jr. at Bras Investimento. During his early career, he also served as an intern at Banco Santander.

Throughout his career, Fernando de Paula Lima was exposed to various aspects of finance and developed a broad spectrum of expertise. He is skilled in management, finances, credit, and risk monitoring. He is also interested in building and nurturing relationships with investors and making their capital work for them.