José started his career in 1990 in his last graduation year assuming responsabilities in LEMAC – Laboratório de Engenharia Mecânica Assistida por Computar (CAD/CAM Facilities at IST – Instituto Superior Técnico - Lisboa).In 1992 joined Andersen Consulting (currently Accenture) developing a career in Management Consulting for Financial Services being part of several relevant projects from Operational Model definition in a major South African retail bank, Management Information System Definition & Design and Core System Implementations in major Spanish and Portuguese BanksHis track record has a Management Consultant José include starting the Financial Services Consulting practice in EY Portugal (1998) and later (2000) again to start a Financial Services practice in another consulting company: Case Portugal (currently CGI) heading projects like Interbanking Clearing system design and implementation in Mozambique and strategic definition and implementation of a joint venture (bank and telecom) to manage Direct Channels in Portugal.In 2002 accepted Accenture invitation to rejoin as head of Small Banking Offer.In 2007 joined Millenniumbcp, the major private held Bank in Portugal, leading several reengineering projects. Latter on was nominated Head of Quality and Process Management implementing Business Process Management in the Bank.In 2011 moved to Marketing Division of Millenniumbcp has Head of Bancassurance co leading the implementation a new governance model and development of several new products (Auto and Home included) that allow 70% more proactive sales in 2016 that in 2011.Oct.2016 joined Ocidental Vida (AGEAS & MillenniumBCP Group) to lead as PMO the consolidation program of the Life Companies as AGEAS acquired AXA Portugal.Oct.2017 was invited to be Head of Strategy, New Business and Innovation at Ocidental Group and Ageas Portugal