Rafael Ramalho

Graduated in Industrial Engineering from USP, with an MBA in Strategy, Finance and Marketing from the Kellogg School of Management / Northwestern University, Rafael has more than 10 years of experience with leading companies and government entities in South America and the Middle East, has developed projects of design and implementation of strategies, covering growth, entry into markets, business transformation, internationalization, among others.

At HDI Seguros, he is responsible for the automotive product, in addition to the Pricing and Statistical Modeling areas, with the mission of strengthening time.