Bruno Ricardo

Economist | CFO/COO | Fintech & Data | M&A | Digital Transformation

Economist with a career built to combine corporate financial management with data analysis and fintech. Over a decade of executive experience in process automation, analytical modeling, and digital transformation.

Value Propositions

Strategic finance leadership powered by automation, governance, and measurable decision cycles.

Decisive Systemic Synthesis

  • Strategic unification of finance, operations, and governance into a measurable operating rhythm.
  • Turnarounds with KPIs and controlled decision cycles driven by risk.
  • Dashboards and analytics for day-to-day management (not “reporting theater”).

Active Technological Implementation

  • Workflow-based automation: ETL, integrations, and data quality instrumentation.
  • Migration to the cloud and secure modernization of systems adjacent to finance.
  • Business-ready tools (dashboards, models, and process maps) that reduce cycle time.

Highlights

+ EUR 100k net profit
Turnaround in 2025; first profit in 15+ years
> EUR 1M EBITDA
Integrated pricing and procurement strategy; senior residence project
EUR 6M revenue stability
Global migration (clinical, billing, and accounting) to the cloud

The Tech – Finance Apex: Unifying Siloed Disciplines

Executive finance leadership powered by data, automation, and governance.

Core Competencies

  • Financial Leadership & Governance: internal control, compliance, and turnaround management.
  • Digital Transformation: cloud, integration/API architecture, and systems modernization.
  • Fintech Automation: advanced Excel, VBA, ETL workflows, and XML instruction generation.
  • BI & Analytics: dashboards, dimensional modeling, and relational multi-key views.
  • Risk & Compliance: KYC and credit flows.
  • Investment & M&A: modeling and support for due diligence.

Leadership & Impact

  • Responsible for finance/admin/technology for an organization with 300+ direct and indirect employees.
  • Creation of operational governance and daily analytical rigor to balance economic-financial outcomes.
  • Deleveraging and treasury management ensuring compliance with obligations and payments.
  • Paperless administrative restructuring and strengthening of ethical management frameworks.

Selected Professional Experience

Progressive execution across finance leadership, reporting automation, investment structuring, and governance.

Hospital de Jesus, Lar de Sao Francisco and Residencia Palacio dos Guioes
Administrative and Financial Director (CFO)
Nov 2022 - present :: 3 years 9 months
  • Operational sustainability: financial turnaround in 2025, with net profits above 100 thousand EUR (first time in 15+ years).
  • Margin & EBITDA optimization: updated pricing policy and Central Procurement; record EBITDA > 1M EUR.
  • Treasury and deleveraging: reduction of liabilities and strict compliance with doctors/surgeons, suppliers, and the bank.
  • Digital transformation & scale: global migration of clinical systems, billing, and accounting to the cloud, maintaining productivity and revenue ~6M EUR.
  • Process efficiency: gateways and APIs (billing, treasury, surgical packages, fees, HR, and taxes) reducing errors and operational time.
  • Paperless transition & compliance: administrative restructuring, creation of the IT department and digital archiving in legal compliance.
  • Reallocation Opex->Capex: 100 thousand EUR for investment (as part of implementation).
  • Energy sustainability: negotiation and contracting of a solar energy project (Greenvolt) to reduce utility costs.
Credit Agricole Leasing & Factoring / Eurofactor
Assistant Finance Manager (Business Intelligence & Reporting Automation)
Aug 2018 - Jul 2019 :: 1 year :: Lisbon
  • Process automation and online support: document management and EDI file processing; VBA routines via Outlook to reduce manual errors.
  • BI & reporting: dynamic dashboards for annual analysis; multidimensional segmentation by market, risk, currency, and policies.
  • Risk mitigation & KYC: integrated database with VBA forms (userforms) for KYC reviews and holding-mapping.
  • Advanced credit analysis: ETL tools for reading reports and automating limit management.
  • Payment automation: maintaining an IBAN database and automatic issuance of XML instructions.
  • Account position control: relational models in Power Pivot with composite keys for limit monitoring and rate conversions.
IMOXTEC, SA
Real Estate Investment Consultant
Apr 2015 - Apr 2018 :: 3 years 1 month :: Lisbon
  • Strategic analysis and structuring of high-value investment projects for family offices and companies in the real estate sector.
  • Budgeting and “spin-off”: optimizing the initial budget (10 thousand EUR) for crowdfunding.
  • Investment plans: strategic investment plan for a theme park (25 million EUR).
  • Portfolio management: valuation and restructuring of hospitality projects.
  • Financial modeling: complex calculations and allocation models for insolvencies (insolvency estate ~15 million EUR), including Hotel Neptuno (Montegordo).
MICRE - Microcredit Portugal Association
Microcredit Coordinator (Executive Secretary)
Jan 2014 - Dec 2014 :: 1 year :: Lisbon
  • Executive coordination and technical support to the development of microbusinesses; bridge between entrepreneurs and national/community financing mechanisms.
  • Partnerships: key protocol with the National Microcredit Program (capacity expansion).
  • Training: upskilling and technical training for 10 new agents.
  • Youth employment: program with 35 participants and 6 integrated internships.
  • Business plans: analytical support and restructuring of 30+ plans, totaling 185 thousand EUR in captured financing.
NBB M&A Advisors
Mergers & Acquisitions (M&A) Consultant
Mar 2007 - Mar 2009 :: 2 years 1 month :: Lisbon
  • Identification, qualification, and modeling of opportunities; prospecting and technical support for complex transactions.
  • Data structuring: cataloging 400 companies in MS Access; portfolio ~25 million EUR.
  • Sales: weekly direct marketing, converting contacts into 12 mandates.
  • Due diligence and valuation: support in financial evaluation of 25 companies; 2 deals completed.
Axa
Insurance Sales Trainee
Oct 2006 - Mar 2007 :: 5 months :: Lisbon
  • Raised 20m EUR in premium
  • Scored 95/100 in regulatory admission tests
  • Portfolio of 150 self-employed individuals who provide intellectual, technical, or specialized services (doctors, lawyers, architects, engineers).

Education & Certifications

Academic and technical preparation aligned with fintech, governance, and automation.

  • Postgraduate / Stricto Sensu: Master's in Monetary and Financial Economics --- ISCTE (2007 - 2009)
  • Bachelor's: Economics --- (2000 - 2005)
  • Fintech postgraduate and intensive modular certifications in programming & databases: Python, SQL, C#, Java, and OutSystems
  • Advanced training (2019-2022): more than 4100 hours (R&D + advanced training), final average grade of 17 (out of 20)
Knowledge of privacy preserving technologies and its startup field