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Internal strategic analysis of Fábrica Pastelaria São Silvestre, including organizational structure, mission and values, financial overview, and information systems evaluation (ERP, POS, Sage). Identifies strengths, weaknesses, and digital improvement opportunities such as CRM and e-commerce.
Production-ready MSME Credit Risk Pipeline (V3.0). Solved critical data integrity issues (target/scaling) for 47% AUC lift (0.88). Model implements a hard-cutoff policy based on DPD/Utilization, ensuring portfolio PD drops below the 3.75% break-even threshold.