{"id":55355,"date":"2021-02-23T04:48:51","date_gmt":"2021-02-23T09:48:51","guid":{"rendered":"https:\/\/www.bloomberg.com\/professional\/insights\/markets\/guilherme-ximenes\/"},"modified":"2024-04-12T09:49:15","modified_gmt":"2024-04-12T13:49:15","slug":"guilherme-ximenes","status":"publish","type":[3766],"link":"https:\/\/www.bloomberg.com\/professional\/insights\/markets\/guilherme-ximenes\/","title":{"rendered":"Guilherme Ximenes of Banco Inter: The passion for technology, with a human side"},"content":{"rendered":"<div  class=\"bbg-row-container\">\n    <style>section[data-anchor=row-69ff21f798dde]::before {\n\t\t\t\tbackground-color: #eeeeee;\n\t\t\t}<\/style>\n    <section class=\"bbg-row bg--custom-color  bg--eeeeee text--black bbg-row--full-bg-bleed\" data-anchor='row-69ff21f798dde'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8 bbg-column--valign-bottom\"\n    style=\"\"\n    >\n    <p>    <ul class=\"bbg-categories_list\">\n                    <li>\n                <a href=\"https:\/\/www.bloomberg.com\/professional\/insights\/category\/markets\/\" rel=\"category tag\">\n                    Markets\n                <\/a>\n            <\/li>\n            <\/ul>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 24px !important\"\n    >\n<\/div>    <h1 class=\"bbg-metadata bbg-metadata--title\">Guilherme Ximenes of Banco Inter: The passion for technology, with a human side<\/h1>\n<\/p>\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-compact row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff21f79f10e'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p>    <p class=\"bbg-metadata bbg-metadata--date\">February 23, 2021<\/p>\n<div class=\"wpb_content_element bbg-card  quote\" id=\"card_1\" data-card_type=\"no_image\">\n  \n  \n  <div class=\"bbg-card__innerwrapper\">\n    <div class=\"bbg-card__content\">\n      \n      \n      \n              <div class=\"bbg-card__wysiwyg bb-wysiwyg\"><div class=\"noBackground\"\n><\/p>\n<div class=\"quote-content-wrapper\">\n<div class=\"quotebody\">\n<p class=\"large\">\u201cThe owner mentality is fundamental, together with ambition and the belief that you can change your scope, your area, your work front. That\u2019s when you really embrace your work with passion. Then the sky is the limit.\u201d<\/p>\n<div class=\"cite\">\n<p>\n          <strong>Guilherme Ximenes<\/strong><br \/>\n          <span class=\"attribution\"><\/span>\n        <\/p>\n<\/p><\/div><\/div><\/div>\n<\/div>\n<\/div>\n          <\/div>\n\n      <\/div>\n\n  <\/div>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 40px !important\"\n    >\n<\/div><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><strong>Guilherme Ximenes<\/strong><br \/>\nCTO | Banco Inter, Brazil<\/p>\n\n<\/div>\n<div\n    class=\"bbg-spacer bbg-spacer--md\"\n    >\n<\/div><div id=\"\" class=\"wpb_content_element bbg-single-image align-center\">\n    <figure class=\"bbg-single-image__figure\" style=\"max-width:300px\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"552\" height=\"552\" src=\"https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&amp;type=webp&amp;url=https:\/\/assets.bbhub.io\/professional\/sites\/10\/6-Guilherme-Ximenes-715-x-175.jpg\" class=\"bbg-single-image__image attachment-medium\" alt=\"Guilherme Ximenes 715 x 715\" title=\"6-Guilherme-Ximenes-715-x-175\" srcset=\"https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&amp;type=webp&amp;url=https:\/\/assets.bbhub.io\/professional\/sites\/10\/6-Guilherme-Ximenes-715-x-175.jpg 552w, https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&amp;type=webp&amp;url=https:\/\/assets.bbhub.io\/professional\/sites\/10\/6-Guilherme-Ximenes-715-x-175.jpg 715w\" sizes=\"auto, (max-width: 552px) 100vw, 552px\" \/>\n        \n            <\/figure>\n<\/div>\n\n<div\n    class=\"bbg-spacer bbg-spacer--sm\"\n    >\n<\/div>\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff21f7a94b9'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p>In 2016, Guilherme Ximenes was named head of IT at Banco Inter \u2014 and given the goal of creating a digital bank. \u201cIt was certainly the greatest and most enjoyable challenge of my career,\u201d he reflects.<\/p>\n<p>The bank, called Intermedium at the time, had just over 5,000 clients. During Ximenes\u2019 first four years, that 5,000 exploded to 7,000,000 \u2014 and counting. The bank also shortened its name and greatly expanded its portfolio. \u201cWe used to open about 10 to 20 accounts a day. Today we open 20,000.\u201d<\/p>\n<p>The breakthrough: give customers a new way to access banking services. \u201cThe biggest challenge was to change the account opening process, which used to be paper-based, to one that could be done remotely,\u201d says Ximenes. \u201cWe went through all the growing pains. Today, we are more efficient and think on a larger scale. We want to reach around 15 to 20 million clients.\u201d<\/p>\n<p>His previous experience at Gol Linhas A\u00e9reas gave Ximenes deep preparation for successfully leading a bank (or any other company) into the digital world. Gol was the first airline to move from paper tickets to online ticketing. In 2012, when Gol\u2019s reward program (Smiles) became an independent company, Ximenes was invited to build its IT department, together with two colleagues. \u201cThat was another great moment of my career: learning to set up an IT department from scratch,\u201d he recalls.<\/p>\n\n<\/div>\n\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff21f7ab245'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><strong>A misstep in the right direction<\/strong><\/p>\n\n<\/div>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p>At 27, he decided to make a career move to work for an asset management fund. Considering his professional background and analytical skills, the move seemed destined to succeed \u2014 but the year was 2008. At that time, he was working for a large consulting firm in IT project management and asked to be transferred to finance. Then came the global financial crisis\u2026 and he had no project.<\/p>\n<p>\u201cI am actually grateful for this \u2018mistake\u2019 in my career because it helped me discover that technology is my real passion.\u201d Realizing that technology was his true path and passion helped open his eyes to the increasing importance of technology in the business sector.<\/p>\n<p>He also discovered that his father held a similar job, as CEO of a technology company. \u201cOnly five or ten years ago, I began to understand that he did almost the same thing I was doing: providing data hosting services for other companies.\u201d His father became both a source of inspiration for ethics and simplicity and a mentor.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff21f7acf3f'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><strong>Emotional intelligence and constant learning<\/strong><\/p>\n\n<\/div>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p>Ximenes gives his recipe for success: working in the right field \u2014 so you feel passionate about it \u2014 is one part. The other is dedication and willingness to learn constantly. His experience as a consultant was key, he says. \u201cI\u2019m a very hands-on person, so I enjoyed visiting the companies assigned to me and interacting with everyone and learning about their business. I learned how to throw myself into a job and get down to business,\u201d he says.<\/p>\n<p>He adds that developing interpersonal skills was just as important; his number one piece of advice to young professionals: \u201cSome people have a lot of untapped potential and you need persistence to develop their skills and help them reach the top. You have to be patient, learn to control anxiety and develop your emotional intelligence along with your technical skills.\u201d<\/p>\n<p>Working with technology requires constant learning. \u201cIn this area, what you learned last year is already outdated,\u201d he reflects. To evolve and grow professionally, you must keep up to date, explore new technologies and attend conferences and forums, he advises.<\/p>\n<p>Ximenes says it is very important to learn to think like an owner. \u201cThink like an owner, be ambitious and believe you can change your field, your work front and your scope. Be passionate about what you do. When this happens, the sky\u2019s the limit.\u201d<\/p>\n<p>For Ximenes, success at work is no longer just a matter of effort. He believes that, today, as more and more jobs become automated, what will make a difference will be those soft skills: creativity, simplicity and the ability to focus on process and solutions.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff21f7aed51'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><strong>Superpowers<\/strong><\/p>\n\n<\/div>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p>Ximenes does exactly that in his life outside the bank \u2014 lives and breathes his profession. His social media presence and use are all work-connected. He follows \u201cWired,\u201d a monthly magazine with a focus on technology, for example. Personalities such as Rubens Menin, chairman of Banco Inter, and Bill Gates, Microsoft\u2019s co-founder and philanthropist, are some of the big names Ximenes follows on Twitter. Reading about technology is one of his hobbies; he also enjoys reading biographies, including those of Steve Jobs (co-founder of Apple), Jeff Bezos (founder of Amazon), Elon Musk (founder of Tesla) and Phil Knight (co-founder of Nike).<\/p>\n<p>Ximenes says that watching TV series about superheroes \u2014 diving into a fantasy world \u2014 really helps him relax and that it is a source of inspiration as well. He believes his analytical skills are his \u201csuperpower\u201d, which might have made him a good surgeon \u201cbecause the human body is a system, and I love systems.\u201d He also recharges by mountain biking, enjoying the beautiful mountains of Belo Horizonte, where he was born, and where he returned after joining Banco Inter. He rises at 5:30 a.m. just to go biking. \u201cIt is awesome getting to work at 9:00 a.m. after biking for an hour and half or two hours.\u201d Playing the guitar, meeting his friends and being with his kids also help him recharge. \u201cI am really enjoying being a father again. My wife is going crazy because the schools are closed due to the pandemic, but she is loving having another baby,\u201d he says.<\/p>\n<p>In 2020, the bank greatly expanded remote work because of the pandemic. The silver lining: more professionals from outside Belo Horizonte were hired. \u201cWe decided to ramp up instead of slowing down,\u201d he says.<\/p>\n<p>\u201cWe hired almost 200 people in 2020, most from Belo Horizonte, but many from S\u00e3o Paulo, Recife and some from the Southern Region,\u201d greatly contributing to diversity at the bank, he says.<\/p>\n<p>\u201cWe have seven million clients \u2014 too many different experiences to count. So, we only work with teams that have a diverse background.\u201d<\/p>\n<p>Ximenes believes that going digital has made the financial system more humane and inclusive. In the male-dominated field of information technology, the bank\u2019s IT area boasts a 15-20% representation of women. \u201cWe host an event called \u2018She\u2019s Tech\u2019 to encourage women to join the area,\u201d he says.<\/p>\n<p>According to Ximenes, diversity and more fluid boundaries are an integral part of today\u2019s workplace. \u201cCompanies that were once organized into separate departments now have a more mixed approach,\u201d he says. As we move forward, \u201cemployees will need to be even more flexible, more open and will have to learn continuously,\u201d he concludes.<\/p>\n<p class=\"small\">Disclaimer: The views and opinions expressed in this blog are those of the authors and do not necessarily reflect the official policy or position of Bloomberg.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff21f7b0d41'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <div\n    class=\"bbg-column\"\n    style=\"\"\n    >\n    <hr class=\"bbg-separator bbg-separator-1\" style=\"height:1px;\" \/>\n\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black bbg-row--full-bg-bleed\" data-anchor='row-69ff21f7b2886'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p>Bloomberg invited the GETTERS of the financial market in Latin America to share their insightful stories about their careers, their success stories and the challenges they had to face while not only witnessing the development of this fast-paced environment, but actively contributing to its evolution by creating new tools, sharing best practices and inspiring change.<\/p>\n\n<\/div>\n\n<div\n  id=\"cta_2321964483004581107\"\n  class=\"wpb_content_element bbg-cta no-icon\">\n  <style>\n    \n    \n    \n  <\/style>\n  <div\n    class=\"bbg-cta-link link-holder\"\n    data-links-type=\"cta-links\">\n    <p class=\"bbg-cta-p left\">\n      <a\n        class=\"bbg-cta-link link\"\n        href=\"https:\/\/www.bloomberg.com\/professional\/go-getters\/\"\n        target=\"\"\n        rel=\"\"\n        data-section-name=\"Learn more\"\n        >\n                      Learn more\n                <\/a>\n    <\/p>\n  <\/div>\n<\/div>\n\n<\/div><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff21f7b5068'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <div\n    class=\"bbg-column\"\n    style=\"\"\n    >\n    <hr class=\"bbg-separator bbg-separator-1\" style=\"height:1px;\" \/>\n\n\n<\/div>\n\n\n                    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That\u2019s when you really embrace your work with passion. Then the sky is the limit.\u201d<\/p>\n","protected":false},"author":1857,"featured_media":56941,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"template-qa.php","format":"standard","meta":{"_yoast_wpseo_primary_category":"","footnotes":""},"categories":[453],"tags":[],"series":[],"class_list":["post-55355","post","type-post","status-publish","format-standard","hentry","category-markets","type-qa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Guilherme Ximenes of Banco Inter: The passion for technology, with a human side | Insights | Bloomberg Professional Services<\/title>\n<meta name=\"description\" content=\"\u201cThe owner mentality is fundamental, together with ambition and the belief that you can change your scope, your area, your work front. That\u2019s when you really embrace your work with passion. 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