Mr. Pereira received a degree in Business Administration from Fundação Armando Alvarez Penteado (Brasil). He is the author of numberous articles for magazines and newspapers such as CRI, Cardnews, Isto E Dinheiro, DCI, Valor Economico, as well as others. He has over 16 years of experience within the financial market, including work with credit bureaus, scoring, policy, reviews, development of management tools, collections and industry best practices. Mr. Pereira has served as the Managing Director of Experian Brasil for ten years, and participated in setting up the business in Brazil in 2008.