Margherita Guerra - Head of Pricing – Small and Medium Enterprises Business Unit

Q: Where is Margherita based?

Margherita is based in Barcelona, Spain .

Q: What languages does Margherita speak?

Margherita speaks the following languages: Portuguese (Native), English (Advanced), Spanish (Advanced), Italian (Intermediate) .

Q: How many years of experience does Margherita have?

Margherita has at least 12 years of experience. During this time, Margherita has worked in at least 6 different roles and for 3 different companies . The average length of individual experience is 2 years . Note that Margherita may not have shared all experience and actually has more experience.

Q: What is Margherita's latest experience?

Margherita's most recent position is Head of Pricing – Small and Medium Enterprises Business Unit at Itaú Unibanco .

Q: What companies has Margherita worked for in recent years?

In recent years, Margherita has worked for Itaú Unibanco .

Q: Which industries is Margherita most experienced in?

Margherita is most experienced in industries like Banking and Finance and Education .

Q: Which business areas is Margherita most experienced in?

Margherita is most experienced in business areas like Business Intelligence , Finance , and Strategy and Planning . Margherita also has some experience in Marketing , Project Management , and Operations .

Q: Which industries has Margherita worked in recently?

Margherita has recently worked in industries like Banking and Finance .

Q: Which business areas has Margherita worked in recently?

Margherita has recently worked in business areas like Business Intelligence , Marketing , and Project Management .

Recommended expert

Barcelona, Spain

Experience

Jan 2024 - Dec 2025

2 years

São Paulo, Brazil

Head of Pricing – Small and Medium Enterprises Business Unit

Itaú Unibanco

Directed pricing strategy and go-to-market execution across credit and non-credit financial products, leading a 70-member multidisciplinary team and delivering $5B in revenue with consistent growth, driving profitability to a record 50% RAROC in FY24
Secured executive sponsorship and funding for a next-generation pricing and loyalty platform, enabling personalized pricing, stronger governance, and enhanced commercial performance, unlocking a $400M incremental revenue opportunity

Jan 2021 - Dec 2024

4 years

São Paulo, Brazil

Senior Manager of Offering, Pricing and Engagement – Small and Medium Enterprises Business Unit

Itaú Unibanco

Transformed the SME commercial model from product-centric to customer-centric, segmenting offers across five product P&Ls and three channels, improving conversion rates and boosting customer engagement by 8% YoY
Restructured a 26-person operational pricing desk into a centralized Pricing Intelligence & Strategy hub, driving analytics-based pricing decisions across lending, deposits, and payments, generating $100M+ in annual incremental revenue
Led the implementation of an agile methodology, designing OKRs, teams, and ceremonies, while fostering an agile mindset to scale digital transformation, resulting in stronger collaboration across teams and greater efficiency in achieving strategic objectives

Jan 2020 - Dec 2020

1 year

Madrid, Spain

MBA Summer Internship as Operations Manager | Strategy & International Growth

ThePowerMBA

Managed the end-to-end operations for a 10-week live webinar series connecting global business leaders with 2,000+ students, achieving an average NPS of 75 and contributing to international expansion and brand awareness
Collaborated with marketing and content teams to design data-driven initiatives for lead generation and student engagement, supporting business development in new markets

Jan 2017 - Dec 2019

3 years

São Paulo, Brazil

Strategy Senior Analyst | Portfolio Strategy and Digital Intelligence

Itaú BBA

Partnered with top-tier consulting firm to structure and execute strategic initiatives across five departments and four client segments, developing a value-based pricing methodology, generating $30M in additional revenue
Designed data-driven customer acquisition models using Big Data tools (Hadoop), increasing lead conversion through targeted segmentation of 17M companies
Conducted deep-dive portfolio analysis on 14 years of loan performance data to evaluate a $250M in default exposure and designed a sector-specific credit risk strategy, mitigating risk, optimizing capital, and enhancing confidence for future operations

Jan 2016 - Dec 2017

2 years

São Paulo, Brazil

Strategy Analyst | Commercial Franchising

Itaú BBA

Led a repricing strategic negotiation plan for low-margin clients, reversing a $5M annual loss and restoring profitability in the payments & collections portfolio
Communicated with the retail banking division to find a way to increase corporate client prices in batches and implemented a commercial plan to adjust pricing for payments and collections services by inflation, increasing annual revenue by $40M

Jan 2014 - Dec 2015

2 years

São Paulo, Brazil

Trainee and Intern | Market Intelligence, Planning & Corporate Banking

Itaú BBA

Selected for a one-year trainee rotational program designed to develop talents, gaining exposure to financial planning, credit and risk assessment, and client relationship
Developed industry and customer behavior analyses to identify business opportunities and enhance sales force performance through data-driven insights

Industries Experience

See where this freelancer has spent most of their professional time. Longer bars indicate deeper hands-on experience, while shorter ones reflect targeted or project-based work.

Experienced in Banking and Finance (11 years) and Education (1 year).

Banking and Finance

Education

Business Areas Experience

The graph below provides a cumulative view of the freelancer's experience across multiple business areas, calculated from completed and active engagements. It highlights the areas where the freelancer has most frequently contributed to planning, execution, and delivery of business outcomes.

Experienced in Business Intelligence (9 years), Finance (8 years), Strategy (7 years), Marketing (5 years), Project Management (4 years), and Operations (1 year).

Business Intelligence

Finance

Strategy

Marketing

Project Management

Operations

Summary

Executive with 10+ years of experience in strategy, pricing, and business transformation within financial services. Experience includes leading the transformation of the Small and Medium Enterprises segment into one of the fastest growing and most profitable divisions at Itaú Unibanco, partnering with top-tier consulting firms (e.g., BCG, Bain) on strategic projects, and creating from the ground up a pricing department with significant influence across the organization directly impacting profitability and go-to-market effectiveness. Skilled in executing complex initiatives within matrixed organizations, managing C-suite stakeholder relationships, and leading large cross-functional teams of up to 70 people. Passionate about transforming ambiguity into actionable strategies through structured and creative thinking.

Languages

Portuguese

Native

English

Advanced

Spanish

Advanced

Italian

Intermediate

Education

Sep 2019 - May 2021

IESE Business School

Master of Business Administration · Barcelona, Spain

Jul 2013 - Jun 2014

University of Melbourne

Undergraduate Exchange · Business and Economics · Melbourne, Australia

Oct 2009 - Jun 2014

Universidade Estadual de Campinas

Master of Production Engineering · Production Engineering · Brazil

Profile

Created

November 2025

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Frequently asked questions

Do you have questions? Here you can find further information.

Where is Margherita based?

Margherita is based in Barcelona, Spain.

What languages does Margherita speak?

Margherita speaks the following languages: Portuguese (Native), English (Advanced), Spanish (Advanced), Italian (Intermediate).

How many years of experience does Margherita have?

Margherita has at least 12 years of experience. During this time, Margherita has worked in at least 6 different roles and for 3 different companies. The average length of individual experience is 2 years. Note that Margherita may not have shared all experience and actually has more experience.

What roles would Margherita be best suited for?

Based on recent experience, Margherita would be well-suited for roles such as: Head of Pricing – Small and Medium Enterprises Business Unit, Senior Manager of Offering, Pricing and Engagement – Small and Medium Enterprises Business Unit, MBA Summer Internship as Operations Manager | Strategy & International Growth.

What is Margherita's latest experience?

Margherita's most recent position is Head of Pricing – Small and Medium Enterprises Business Unit at Itaú Unibanco.

What companies has Margherita worked for in recent years?

In recent years, Margherita has worked for Itaú Unibanco.

Which industries is Margherita most experienced in?

Margherita is most experienced in industries like Banking and Finance and Education.

Which business areas is Margherita most experienced in?

Margherita is most experienced in business areas like Business Intelligence, Finance, and Strategy and Planning. Margherita also has some experience in Marketing, Project Management, and Operations.

Which industries has Margherita worked in recently?

Margherita has recently worked in industries like Banking and Finance.

Which business areas has Margherita worked in recently?

Margherita has recently worked in business areas like Business Intelligence, Marketing, and Project Management.

What is Margherita's education?

Margherita holds a Master from IESE Business School and a Master in Production Engineering from Universidade Estadual de Campinas.

What is the availability of Margherita?

Margherita is immediately available for suitable projects.

What is the rate of Margherita?

Margherita's rate depends on the specific project requirements. Please use the Meet button on the profile to schedule a meeting and discuss the details.