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Credit Risk<br />
Customer acquisition &<br />
communications<br />
Customer management & new<br />
products<br />
Data science DevOps Finance Mobile Operations Processor<br />
7/6/2015<br />
Priorities<br />
Backlog<br />
Define approval thresholds,<br />
tests and app stage credit limit Stability Proactive credit limit increases Proactive limits model<br />
End to end test stability, testing<br />
topmodel / mordor on e2e<br />
Improve macro model Docs requested Revolvers Zendesk predictive model 3rd party security review<br />
Make decisions on Boa Vista,<br />
Demyst and any other data<br />
source in pipeline Google Tag Manager tracking Nudges / notifications<br />
MGM optimizations<br />
Performance forecasting<br />
Commercial negotiation w/<br />
Sorocred on the FIDC<br />
Close deal with Daycoval /<br />
Safra<br />
Chargeback - UI to reduce<br />
volumes Chargeback Accounts split<br />
Prepay flow (iOS);<br />
Visualizations (Android) Customer view (widgets) Batch process for auto-debit<br />
App stage spend prediction<br />
model ASW Cost Savings Wallstreet: Bracce Auto-debit Proximo Double entry<br />
Spark hardening/iPython<br />
notebooks<br />
Implement tests, including Low<br />
& Grow Test with comparators Habit formation deep dive e2e tests FIDC Service<br />
More optimization including<br />
non-MGM 9.0, negativos<br />
Sendman fixes<br />
Milestones Credit Committee July 7 Retargeting/attribution model<br />
Launch non-MGM 9.0 etc<br />
before July 7<br />
Macro model - End of July<br />
Test creative credit limit<br />
increase process<br />
Simplistic proactive credit limits<br />
& inactive test ~ End of July<br />
Hand off proactive & app stage<br />
v2 by end of June<br />
Prod mordor queries tested on<br />
e2e<br />
Support Double Entry effort<br />
(Bleise)<br />
Boleto and CIP liquidation<br />
transition<br />
MATERA API<br />
Daycoval / Safra transition by<br />
August<br />
Acquisition optimizations<br />
Transaction detail + variação<br />
cambial<br />
Large reduction in inbound<br />
chargeback volume<br />
Large reduction in time spent on<br />
chargeback activities<br />
Link all Google Analytics<br />
Properties Together Revolver test by end of June Independent e2e for squads FIDC launch by Oct / Nov Real operations metrics<br />
Performance forecasting and<br />
kpis by end of July<br />
Security review done<br />
Improved Payroll process for<br />
July<br />
Closing bills in-house<br />
Payments<br />
Gold card, rewards (in process)<br />
Customers signed up on debito<br />
automatico<br />
Risks<br />
Availability of useable and<br />
accurate risk & spend by<br />
cohorts dataset<br />
Sharding is on the horizon<br />
Dependence on Daycoval /<br />
Safra<br />
Apple review times<br />
Conductor stability / financial<br />
errors<br />
Accounts split<br />
e2e solution is non-trivial<br />
Dependence on FIDC 3rd<br />
parties<br />
Reconstructing double-entry<br />
historical trend may be difficult<br />
Competing with Product<br />
Portfolio<br />
Hires<br />
Credit risk manager<br />
Eduardo Bellani moves to<br />
Product Portfolio<br />
Legal + compliance mgr<br />
Pedro Axelrud (July 9th)<br />
WindowsPhone/iOS/Android Renato (July 6th) Rafael Lisboa (starting July)
Credit Risk<br />
Customer acquisition &<br />
communications<br />
Customer management & new<br />
products<br />
Data science DevOps Finance Mobile Operations Processor<br />
7/6/2015<br />
Priorities<br />
Backlog<br />
Define approval thresholds,<br />
tests and app stage credit limit Stability Proactive credit limit increases Proactive limits model<br />
End to end test stability, testing<br />
topmodel / mordor on e2e<br />
Improve macro model Docs requested Revolvers Zendesk predictive model 3rd party security review<br />
Make decisions on Boa Vista,<br />
Demyst and any other data<br />
source in pipeline Google Tag Manager tracking Nudges / notifications<br />
MGM optimizations<br />
Performance forecasting<br />
Commercial negotiation w/<br />
Sorocred on the FIDC<br />
Close deal with Daycoval /<br />
Safra<br />
Chargeback - UI to reduce<br />
volumes Chargeback Accounts split<br />
Prepay flow (iOS);<br />
Visualizations (Android) Customer view (widgets) Batch process for auto-debit<br />
App stage spend prediction<br />
model ASW Cost Savings Wallstreet: Bracce Auto-debit Proximo Double entry<br />
Spark hardening/iPython<br />
notebooks<br />
Implement tests, including Low<br />
& Grow Test with comparators Habit formation deep dive e2e tests FIDC Service<br />
More optimization including<br />
non-MGM 9.0, negativos<br />
Sendman fixes<br />
Milestones Credit Committee July 7 Retargeting/attribution model<br />
Launch non-MGM 9.0 etc<br />
before July 7<br />
Macro model - End of July<br />
Test creative credit limit<br />
increase process<br />
Simplistic proactive credit limits<br />
& inactive test ~ End of July<br />
Hand off proactive & app stage<br />
v2 by end of June<br />
Prod mordor queries tested on<br />
e2e<br />
Support Double Entry effort<br />
(Bleise)<br />
Boleto and CIP liquidation<br />
transition<br />
MATERA API<br />
Daycoval / Safra transition by<br />
August<br />
Acquisition optimizations<br />
Transaction detail + variação<br />
cambial<br />
Large reduction in inbound<br />
chargeback volume<br />
Large reduction in time spent on<br />
chargeback activities<br />
Link all Google Analytics<br />
Properties Together Revolver test by end of June Independent e2e for squads FIDC launch by Oct / Nov Real operations metrics<br />
Performance forecasting and<br />
kpis by end of July<br />
Security review done<br />
Improved Payroll process for<br />
July<br />
Closing bills in-house<br />
Payments<br />
Gold card, rewards (in process)<br />
Customers signed up on debito<br />
automatico<br />
Risks<br />
Availability of useable and<br />
accurate risk & spend by<br />
cohorts dataset<br />
Sharding is on the horizon<br />
Dependence on Daycoval /<br />
Safra<br />
Apple review times<br />
Conductor stability / financial<br />
errors<br />
Accounts split<br />
e2e solution is non-trivial<br />
Dependence on FIDC 3rd<br />
parties<br />
Reconstructing double-entry<br />
historical trend may be difficult<br />
Competing with Product<br />
Portfolio<br />
Hires<br />
Senior experienced hire<br />
Eduardo Bellani moves to<br />
Product Portfolio<br />
Legal + compliance mgr<br />
PM (July 9th)<br />
WindowsPhone/iOS/Android<br />
Renato (July 6th)<br />
PM hire<br />
Rafael Lisboa (starting July)<br />
Notes<br />
Logan moves here<br />
Rafa out until July 22nd; Paniz<br />
is back to this squad<br />
Product portfolio splits post<br />
double entry<br />
Actions<br />
Revisit eng resources in 2<br />
weeks
Credit Risk Customer acquisition Customer management Data science DevOps Finance Mobile Operations Product Portfolio<br />
6/3/2015<br />
Priorities<br />
Backlog<br />
Rough cut decisions for<br />
MasterCard collateral Pre-pay/low limit tests Proactive credit limit increases Performance dataset<br />
Make rough cut decisions more<br />
optimal & create tools like<br />
improved macro model GTM tracking Revolvers Proactive limits model<br />
Boa Vista in status model Tests for other squads Nudges / notifications Early customer management<br />
Landing pages<br />
Performance forecasting<br />
Complete Boa Vista data / turn<br />
on credilink<br />
Production stability / transactor<br />
splits<br />
Security lockdown (turn on<br />
token expiration, stop unsafequery)<br />
End to end test stability, testing<br />
topmodel / mordor on e2e<br />
Close deal with Daycoval<br />
FIDC documentation<br />
Chargeback - UI to reduce<br />
volumes Chargeback process Accounts split<br />
Pre-pay improvements (break<br />
into parts) Release improvements Double entry<br />
Wallstreet: 0-Day Settlement,<br />
Bracce Auto-debit Customer view Batch process for auto-debit<br />
Refactoring/automatic testing<br />
(iOS); Visualizations (Android)<br />
Plan for closing bills in-house<br />
Implement tests, including Low<br />
& Grow Test with comparators Habit formation deep dive Spend prediction 3rd party security review Boleto transition Acquisition optimizations Intelligent dispatch Fatura parcelada<br />
More optimization including<br />
negativos, close out invite<br />
propensity..<br />
Milestones Credit committee June 4<br />
Acquisition optimizations (backend)<br />
Low limit test live June 11<br />
(Android only)<br />
Test creative credit limit<br />
increase process Break up Serasa ASW Cost Savings FIDC Service Variação cambial and spread Gold Card<br />
Simplistic proactive credit limits<br />
& inactive test ~ June 11<br />
First set of decisions<br />
implemented ~June 4 Retargeting/attribution model Revolver test by end of June<br />
ETA on new credit limit<br />
assignment & thresholds - Jun<br />
11<br />
Link all Google Analytics<br />
Properties Together<br />
Performance forecasting and<br />
kpis by end of July<br />
MATERA API<br />
Hand off risk performance by<br />
cohort dataset by June 4 All auth tokens expire Daycoval transition by August ?<br />
Hand off proactive & app stage<br />
v2 by end of June<br />
Transaction detail and declined<br />
transactions<br />
Release apps live and ops staff<br />
trained<br />
Prod mordor queries tested on<br />
e2e FIDC launch by Oct / Nov ? Time spent on ops tasks<br />
Independent e2e for squads<br />
Authorizer<br />
Accounts, Feed, Billing, Double<br />
Entry<br />
Account with 2.75% interest<br />
rate<br />
Customers signed up on debito<br />
automatico<br />
Security review done<br />
Kick off authorizer<br />
Risks<br />
Availability of useable and<br />
accurate risk & spend by<br />
cohorts dataset<br />
Scaling production stability has<br />
been poor<br />
Availability of useable and<br />
accurate risk & spend by<br />
cohorts dataset<br />
Data Scientists getting pulled<br />
away to create interim datasets<br />
because long term solution isn't<br />
ready yet<br />
Transactor splits have been<br />
trickier than expected Dependence on Daycoval Apple review times<br />
Converting collisions graph to<br />
work in Clojurescript is scary<br />
Database split is technically<br />
extremely challenging, outage<br />
risk, breaking change risk<br />
Notifications bugs and<br />
maintenance<br />
accounts split<br />
Production stability (hard drives,<br />
dying consumers)<br />
Dependence on FIDC 3rd<br />
parties Testing on iOS 2 new people ramping<br />
Conductor stability / financial<br />
errors<br />
Discussion about business vs<br />
services scoope<br />
Level of autonomy of the team<br />
Competing with Product<br />
Portfolio<br />
Split of Analytics<br />
Reconstructing double-entry<br />
historical trend may be difficult<br />
Stories blocked by Conductor<br />
(ex: adjustments date API)<br />
Hires Marcelo (starting June 9th) Additional analyst Data scientist Legal + compliance mgr<br />
PM<br />
WindowsPhone<br />
2 more mobile devs<br />
Renato<br />
Process/agile coach<br />
(potentially)<br />
Product owner<br />
Rafael Lisboa (starting July)<br />
Notes<br />
Added Jonas to squad to drive<br />
security faster<br />
Vitor + 1 (post-account split?)<br />
Actions<br />
Manage squad anxiety/ process<br />
questions<br />
Notifications for cust acq<br />
(revolvers)<br />
Other Boa Vista attributes -<br />
card?<br />
Decide how we are going to<br />
track time spent<br />
Artur start on Gold Card<br />
Notifications for low limit<br />
customers (customer mgmt to<br />
define)<br />
Comms should highlight<br />
difference
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