Academic Marcelo Pinheiro Cardoso, graduated in Business Administration from the Pontifical Catholic University of Rio de Janeiro. He has worked in the financial market since 1988, having worked in various segments such as trade, oil and gas, energy, and the building industry. He has worked at renowned financial institutions such as Banco Safra, Votorantim, ABC Brasil, and Daycoval, and has been at Banco Guanabara for 12 years, heading Corporate Banking. Recognized in his field, he is a member of the Brazilian Institute of Finance Executives (IBEF). In addition to his current work, he gives lectures on his field and provides corporate finance consulting.