Degree in Engineering and Industrial Management from Instituto Superior Técnico and MBA from INSEAD, where he worked as Corporate Innovation Advisor. He was also project leader with The Boston Consulting Group. He did consulting on Innovation & Growth for several years, working for large corporates, private equity funds and family offices in Europe, US, China, Brazil and Middle East. Ricardo is a Serial Entrepreneur, having launched two startups in his career and he is an active business angel.  His current position is Senior Director at Banco Santander Portugal, leading transverse areas such as Enterprise Agility, Digital Performance, Collections & Recoveries and also vertical businesses such as Mortgages and Personal Loans.