Company with more than 15 years of experience (capitalization, life insurance and pension plans).
Approximate turnover of R$ 1.2 Bi, Technical Reserves prox. to BRL 3.0 Bi and Assets under Management greater than BRL 4.5 Bi.
Expected reduction in expenses and in the structure of the support and corporate areas resulting from the transfer of the portfolio of individual plans to another insurer not carried out.
Only the reduction of structures directly involved in the operation of the individual planes is carried out.

Diagnosis of Organizational Structure and Operating Expenses
Workshop with managers to define action plans to capture opportunities.
Zero-Based Budget Program (POBZ).
Model definition to determine the result by line of business.

Reduction of operating expenses in the year of the project by 10%, incorporated by the Company into the budget for the following year.
Review of the organizational structure aiming at better accountability, synergies, customer focus, faster decision-making and implementation of actions.
POBZ approved within the expenditure target for the 2nd year post-project, with a 7% reduction in relation to the expenses of the 1st year post-project year (already reduced), with the strategic priorities maintained.
Results model by line of business developed and implemented, clarifying the contribution margin (direct expenses), indirect expenses (with and without drivers for allocation and dimensioning).