Pedro Santos

Pedro Santos Email and Phone Number

Operations Transaction Manager @ Universo
Maia, PT
Pedro Santos's Location
Porto, Porto, Portugal, Portugal
Pedro Santos's Contact Details

Pedro Santos work email

Pedro Santos personal email

n/a
About Pedro Santos

Having born in Porto, all my academic and professional career happened around “my” city. Very early in my life, benefiting from frequent family trips, I had the opportunity to contact with different countries and cultures. Broadened horizons, won critical sense.When I first dreamed about my career, I wanted to be a garbage man, then a fireman, doctor, and in the end I decided to graduate in Management. I look back at my college days, not only as a period of academic learning, but also of intense experiences.My professional connection to Banking popped up as an opportunity in my last year of college.In 2005 I felt the need to upgrade my skills and decided to do an MBA. It was a challenging and very rewarding experience - increased my technical knowledge, met people with multiple areas of training, careers and sensibilities. In 2013 I made several academic initiatives to increase my abilities in the corporate/SME perspective side and in 2014 I accepted a new challenge, this time in the retail business.Looking back, I realize that, despite the initial difficulty of this step, it definitely made me a more complete and flexible professional and individual. Since then, it's been an amazing roller coasting journey of diverse roles, experiences and growth in all fields- I managed Credit products in large retail banners, customer services teams, credit operations and started Acquiring and BNPL activities from scratch. All this whilst being a continuous improvement PMO.I believe in meritocracy, that ethics pays, that work dignifies and only makes sense if done in teams. I believe we can all go beyond our own preconceived boundaries – it´s just a matter of finding the right motivation. I do not believe in resignation and in the status quo.

Pedro Santos's Current Company Details
Universo

Universo

View
Operations Transaction Manager
Maia, PT
Website:
universo.pt
Employees:
218
Pedro Santos Work Experience Details
  • Universo
    Operations Transaction Manager
    Universo
    Maia, Pt
  • Universo
    Credit And Acquiring Development & Operations Manager
    Universo Jan 2023 - Present
    Maia, Porto, Portugal
    - Manage developments and operation of credit and acquiring related services offered to consumers and SME segments - include credit card lines management, single credit contract management, physical and online acceptance services (acquiring);- Liaise with internal and external partners to assure operational / business alignment and projects delivery;
  • Universo
    Continuous Improvement Manager
    Universo Oct 2018 - Present
    Maia, Porto, Portugal
    - continuous improvement enabler in the organization, identifying critical processes to optimize, generate effectiveness, optimal CX and maximum profitability- provide guidance and support to project teams, and ensures alignment with the objectives and standards of the organization- act as project owner and executioner, involving the different areas of the organization by making periodic reports on the progress made
  • Universo
    Acquirier Manager
    Universo Jan 2019 - Jan 2023
    Maia, Porto, Portugal
    - Manage products and services offered to the SME segment throughout the all product chain: from market analysis and opportunities, business plan modelling, product design, development and management;- Liaise with internal and external partners to assure operational / business alignment and projects delivery;
  • Sonae - Financial Services
    Customer Service Manager
    Sonae - Financial Services May 2016 - Jan 2019
    Porto Area, Portugal
    - Manage Backoffice team: coordinate processes that support Universo card operations, liaise with internal and external partners to assure operational / business alignment and projects delivery;- Manage Frontoffice team: follow Universo card Call-Center performance, design and implement measures to improve customer satisfaction;
  • Sonae
    Credit Manager
    Sonae Sep 2014 - May 2016
    Porto Area, Portugal
    - Prepare, validate and assure implementation of the Group´s strategic plans for consumer credit in the Iberian market;- Work in close collaboration and maintain ongoing relations with the various business lines, as well as with the financial partners, in order to optimize customer’s experience;- Assure that the Group´s credit products are delivered effectively throughout the retail network;- Monitor compliance with contract terms;- Ensure timely and appropriate credit decisions, that balance the Group´s key objective of customer service and business growth;- Produce comments and analyses about credit business performance and present regular reports to the Board;
  • Cindus Consultadoria, Lda
    Senior Consultant
    Cindus Consultadoria, Lda Jan 2014 - Sep 2014
    - Strategic and technical analysis of corporates and issue of quarter reports with recommendations to rectify deviations in order to (re) achieve attractive corporate ratings;- Liaise with Clients and Trade partners in order to overcome problems with dispatch;- Responsible for the company´s billing service;- Responsible for the Payable & Receivables department;- Validation of activity inputs and mapping deviations from the P&L and relevant operational indicators;
  • Barclays Bank
    Corporate Relationship Manager
    Barclays Bank Jun 2011 - Dec 2013
    Large Corporate North
    Primary Duties:- Commercially supervise and monitor a portfolio of Large Corporate customers, being responsible for the fulfilment of the goals established;- Coordinate actions to develop with the different product areas of the Bank, ensuring the balance and diversification of involvement, aiming the achievement of strong Business Cases;- Prepare proposals for commercial action, supporting them with appropriate technical analysis;- Prepare Business Cases proposals and introduce them to the Price and Capital Committees;- Escalation of Collection Issues, in collaboration with the Business Support & Recoveries department;
  • Barclays Bank
    Sme Relationship Manager
    Barclays Bank Jan 2007 - Jun 2011
    Primary Duties:- Commercially supervise and monitor a portfolio of SME customers, being responsible for the fulfilment of the goals established;- Develop involvement with current clients and bring new clients to the portfolio;- Prepare proposals for commercial action, supporting them with appropriate technical analysis;
  • Banco Bpi
    Risk Credit Analyst
    Banco Bpi Oct 2002 - Dec 2006
    Primary Duties:- Credit Risk analysis and Credit Limit establishment of SME / Corporate companies and new financing transactions, in close coordination with the sales teams (account managers);- Follow, in terms of risk and business opportunities, the credit customers of the Bank;- Preparation of Investment Projects;
  • Banco Bpi
    Assistant Account Manager
    Banco Bpi Jan 2001 - Oct 2002
    Primary Duties:- Supervise and follow, according to the account manager instructions, a portfolio of customers, being co-responsible for the fulfilment of the goals established;- Prepare proposals for commercial action, supporting them with appropriate technical analysis;

Pedro Santos Skills

Banking Business Planning Credit Risk Business Strategy Portfolio Management Corporate Finance Financial Analysis Team Management Credit Forecasting Commercial Banking Financial Risk Negotiation Risk Management Financial Markets Credit Analysis Microsoft Excel Access Database Powerpoint As400 System Lotus Notes Sap R/3

Pedro Santos Education Details

Frequently Asked Questions about Pedro Santos

What company does Pedro Santos work for?

Pedro Santos works for Universo

What is Pedro Santos's role at the current company?

Pedro Santos's current role is Operations Transaction Manager.

What is Pedro Santos's email address?

Pedro Santos's email address is pe****@****p.up.pt

What schools did Pedro Santos attend?

Pedro Santos attended Porto Business School, Ie Business School, Porto Business School, Università Per Stranieri Di Perugia, Universidade Do Porto - Faculdade Economia, University Of Cambridge.

What are some of Pedro Santos's interests?

Pedro Santos has interest in Distance Running, Mountain Biking, Indoor Soccer, Tennis @ Boavista Fc, Surfing And Skydiving (Aa Jump Course), Football @ Vilanovense Fc.

What skills is Pedro Santos known for?

Pedro Santos has skills like Banking, Business Planning, Credit Risk, Business Strategy, Portfolio Management, Corporate Finance, Financial Analysis, Team Management, Credit, Forecasting, Commercial Banking, Financial Risk.

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