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Ricardo Ferrao
Looking for a jobProduct Lead
I build fintech, payments and digital banking products from zero to scale.
PortugalProduct Lead at Bourgeois Bohème Experience
About
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
Product Lead
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 ManagementRoadmap OwnershipKYCCard Issuing3DSSubscription BillingFintechDigital Banking
Head of Product
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 StrategyOKRsRICEMoSCoWBaaSFintech
Education
University of Coimbra
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.