As the Group CTO and CIO at Crédito Agrícola, a leading and reputable banking group in Portugal, I am responsible for the Information Technology function and lead the development and execution of the organization's technology strategy and architecture.I also act as the CEO of two Information Technology shared services subsidiaries, Crédito Agrícola Serviços and Crédito Agrícola Informática, where I oversee their corporate, performance, and operations functions.I have more than 30 years of experience in information technology and management consulting, and a strong executive and corporate business management track record. My goal throughout my career has been empowering people driving digital transformation and innovation across the organisations, using emerging technologies to improve business processes, enhance customer experiences, and increase operational efficiency and financial performance while building high performing teams. I also align with business goals and objectives, manage the budget of the technology function, and foster a culture of excellence, collaboration, and agility among my team. I have an MBA, a Msc in Computer Science, and executive education certificates from MIT and Oxford, where I learned about digital business strategy and executive leadership. My core competencies include information technology, innovation, strategy setting and business transformation, new business development, sales excellence, innovation management, performance turnaround, management consulting, software development.On a personal perspective, I was an accomplished mountain bike rider where got first place on the national championship and 6th on the European championship. I am passionate about creating value for the customers, my teams, partners, and stakeholders and I love direct communication.