Varejo Brasil

A 90-minute, 4-round advanced Express simulation on the retail P&L in Brazil in the Pix era: payment-mix economics (Pix, debit, credit, interest-free card instalments and their anticipation), store credit (crediario) issued through the group's own consumer-credit company, inadimplencia and collections, and growth through marketplaces or the chain's own omnichannel, for business, marketing, accounting and economics programmes and for commercial, credit and store-operations teams of retail chains.

Lojas Aroeira (a fictional chain of 58 furniture, appliance and electronics stores in the Brazilian Northeast, headquartered in Fortaleza): as its new retail and credit director you run four quarters, Q4 2026 to Q3 2027.

Round by round you choose the checkout policy and the carne's approval rule, the channel strategy and the collection policy, the acquiring structure and the carne's rate, and the sales staff's incentives and the funding of the carne portfolio.

Each quarter is scored on the margin, the cost of payment methods, the carne's late rate, sales against the plan and a customer-confidence index; collecting through debtors' workplaces and relatives, or including insurance in every carne, caps the score. Portuguese (Brazil) with Spanish and English.

An advanced simulation for participants used to working with the main frameworks and trade-offs of the subject, designed for executive education and experienced professionals.