Horiens participates in Fundação Getulio Vargas Hackathon

Event brought together students and specialists to discuss how data, risk, and insurance connect to business decision-making

Making decisions in uncertain environments is part of any organization’s routine. However, when risks are complex and high-impact, decision-making goes beyond simple choices and begins to require analysis, modeling, and strategy.

It was from this perspective that Horiens participated in the Insurance Hackathon promoted by Fundação Getulio Vargas, held from April 13 to 17 in São Paulo (SP). During the immersion, students were challenged to develop solutions for the insurance sector based on real-world problems, in an environment that bridged theory and practice.

Representing the company, Eduardo Damião, Director of Risks and Insurance, and Marcio Santos, from Risk Labs, shared how risk analysis is directly connected to decision-making within organizations.

Damião highlighted that the connection between technical analysis and business decisions is one of the main differentiators of Horiens’ approach. “Our role begins with risk analysis, understanding the existing risks in order to present one or more treatment options. We do not work with a fragmented perspective,” he stated.

Another point emphasized by him was the importance of predictability in large-scale operations. “Surprises, in our sector, are not good. In large risks, the focus is on deeply understanding exposures in order to make decisions,” he added.

Horiens’ work is also part of a broad and interdependent ecosystem involving insurers, reinsurers, consulting firms, and specialized legal support. In this context, the company acts as an advisor, supporting organizations in understanding and managing their risks. “Our role is to help decide what to do and how to treat each risk, always based on a clear understanding of both the risk and the business,” explained Damião.

According to Marcio Santos, transforming risk into practical decision-making is part of Horiens’ mission. “Based on our understanding of clients’ exposures, we seek optimized solutions in the insurance market, always aligned with governance and the organization’s objectives,” he said.

In practice, this involves strategic day-to-day business decisions. “What kind of decision? What should be retained? What should be transferred? At what pricing level? Is it worth purchasing insurance or structuring an internal reserve? These are the types of decisions we support on a daily basis.”

As Santos added, probabilistic and statistical modeling plays a central role in transforming data into scenarios that allow organizations to evaluate different paths with greater confidence.

By bringing this approach to the Hackathon, Horiens helped connect students with the reality of the sector, showing that behind models and tools are concrete decisions that directly impact business strategy.