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Ricardo Ferrao

@ricardoferrao

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I build fintech, payments and digital banking products from zero to scale.

Portugal

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What I'm looking for

I'm open to remote opportunities where I can lead product strategy and delivery for fintech, payments or digital banking products, from zero-to-one builds through scaling regulated platforms.

I've led product for Control Hub at Bourgeois Bohème Experience, a corporate digital banking platform for HNW/UHNW clients, launching with five live clients and their teams.

I designed multi-user financial controls, card issuance and lifecycle workflows, 3DS payment states, subscription billing, and a streamlined KYC process across mobile, web and admin experiences.

Previously, I ran product strategy at Paynest, where I helped pivot the business to expense management, expanded the portfolio from two to five offerings, and contributed to raising €3M across funding rounds. At Intergiro, I owned the Banking-as-a-Service roadmap, supported the first 10 clients, and delivered card-based account funding from concept to production in five months.

At SIBS, I owned a payment gateway processing 6M+ transactions monthly and helped bring it to 15+ leading Portuguese banks. My background spans engineering, consulting and telecom automation, and I bring hands-on experience in product strategy, pricing, go-to-market, compliance and cross-functional delivery.

Experience

Work history, roles, and key accomplishments

Product Lead

Bourgeois Bohème Experience

Jan 2025 - Jul 2026 (1 year 6 months)

Owned the product roadmap for a corporate digital banking platform for HNW/UHNW clients, launching with 5 live clients. Designed multi-user financial controls, card issuance workflows, and a tiered subscription model.

Product Management Roadmap Ownership KYC Card Issuing 3DS Subscription Billing Fintech Digital Banking

Head of Product

Paynest

Mar 2023 - Sep 2024 (1 year 6 months)

Ran product strategy end to end, building a prioritization framework tied to OKRs. Drove a pivot to an expense-management solution and grew the product portfolio from 2 to 5 offerings.

Product Strategy OKRs RICE MoSCoW BaaS Fintech Fundraising Expense Management

Lead Product Manager

Intergiro

Jun 2021 - Feb 2023 (1 year 8 months)

Owned the BaaS product roadmap and backlog prioritization, supporting the first 10 clients. Led end-to-end solution design and managed a 6-person team.

Product Management BaaS Card Issuing Acquiring Systems Core Banking Solutions Architect Team Management

Product Manager

SIBS

Apr 2020 - May 2021 (1 year 1 month)

Managed eCommerce payment solutions and Open Banking APIs, owning the roadmap for a payment gateway processing 6M+ transactions monthly. Defined pricing models and led go-to-market for the gateway.

Product Management Payment Gateways Open Banking Pricing Go To Market Stakeholder Management

Automation Expert and Delivery Lead

Vodafone Group

Mar 2017 - Mar 2020 (3 years)

Delivered automation projects for network operations, reducing manual effort by 20% on RAN ticket workflows. Led agile projects and owned the roadmap for a portfolio of 20+ tools.

Automation Agile Angular NodeJS CI CD Product Management

Consultant / Senior Consultant

Deloitte

Jun 2015 - Jan 2017 (1 year 7 months)

Provided enterprise architecture and OSS consulting for digital transformation programmes at major telecom operators. Designed key eTOM processes following TM Forum best practices.

Enterprise Architecture OSS ETOM TMF Consulting

IT Consultant

Maksen

Oct 2014 - Jun 2015 (8 months)

Provided IT consulting for digital transformation programmes, focusing on enterprise architecture and OSS.

IT Consulting Enterprise Architecture OSS

Software Engineer

Accenture

Feb 2013 - Sep 2014 (1 year 7 months)

Developed Java/Oracle solutions on a commissioning platform and implemented ClickSoftware Workforce Management for telecom operators.

Java Oracle C#ClickSoftware Workforce Management

Education

Degrees, certifications, and relevant coursework

University of Coimbra

M.Sc. and B.Sc., Electrical and Computer Engineering

2005 - 2012

Grade: 18/20 (thesis)

Activities and societies: ERASMUS exchange at Bialystok University of Technology, Poland (2009-2010).

M.Sc. and B.Sc. in Electrical and Computer Engineering. Master's thesis in telecommunications engineering (graded 18/20) on PAPR control techniques in single-carrier systems using FPGAs.