Ricardo is an Executive Board member at Santander Portugal, where he leads brand & communications, everyday banking, payments and new ventures. He has a 20-year career with diverse background in operational roles in Banking, Enterprise Software, and Retail, as well as management consulting experience with The Boston Consulting Group. He has top management experience in retail banking and in a luxury goods company as Chief Operating Officer. Ricardo is an entrepreneur, co-founded two startups on his career. He is connected to academia by having collaborated with INSEAD and currently with Católica-Lisbon as invited lecturer in Strategy, innovation & entrepreneurship
Ricardo has led significant Digital Transformation initiatives in Mortgages and in Collections & Recoveries and has contributed to build market leading digital customer engagement and acquisition capabilities, while leading the enterprise agility efforts at Santander Portugal.
Ricardo holds an Industrial Engineering Master from Técnico Lisboa and an MBA from INSEAD. He speaks fluent English and Portuguese. He has working proficiency in French and Spanish.