Pablo Fulcheri is a Senior Expert and the Global Leader of Credit Risk Solutions at McKinsey & Company, with more than 10 years of experience in credit risk, collections, and financial services. He specializes in designing and deploying technology-enabled solutions, with a strong focus on collections transformations across the globe.
Before joining McKinsey, Pablo worked at IBM and Banco Itaú. He holds an MBA from Duke University, a Master’s in Business from Fundação Getulio Vargas, and a Bachelor’s degree in International Relations from the University of São Paulo.
At McKinsey, Pablo has led the development and deployment of over five new technology-enabled products for the Credit Risk Practice, successfully implementing them at more than 15 client organizations worldwide. His work includes:
Leading innovative personalization-at-scale modeling and Generative AI use cases for a top financial institution in India, delivering 10% cost reductions and 5% improvements in cure rates for early-stage portfolios.
Developing a machine learning model for personalization at scale for a major regional bank in Brazil, achieving a 15% increase in cure rates.
Creating late-stage collections scoring models for a leading financial institution in Peru.
Designing an inactive-student collections model for an education company in Brazil.
Conducting in-depth diagnostics and transformation programs for clients across multiple sectors, including education (U.S.), multi-product banking (South Africa, Morocco, Brazil), telecom (Canada), and global banking (U.K., UAE, U.S.).
