Ricardo Serôdio | Finance & Technology

01 / PROFILE

Between the numbers
and what we can build.

My background spans banking operations and wealth management. I enjoy understanding information, finding what matters and turning it into something useful.

In my personal projects, I combine that experience with data analysis, tool development and digital creation. Mano de Plata brings that creative and technical side to life.

BankingData analysisDigital toolsVisual creation

02 / FINANCE & DATA

Data with context.
Work you can explore.

From a banking case study to a comparison tool. Two public projects turning financial experience into analysis and applications.

CASE STUDY · BANKING ANALYTICS

Available

Millennium bcp

Read the results. Explain what changed.

182: traceable observations
2022–25: annual history
H1 2026: latest period analysed

The challenge: Turn scattered financial disclosures into a consistent view of earnings, credit quality and scenarios.
My contribution: I structured the data, reconciled sources and developed Python calculations, SQL analyses and Power BI visuals.
What you can explore: Portuguese and English reports, a dashboard and code with sources and checks available.

Read the English study Data and code

Method, sources and limitations

Official disclosures
Reconciliation and calculations
Analysis and visuals

The historical register contains 176 source-verified values and six recalculated totals. The 29 September 2026 revision includes illustrative scenarios and conversion and retention sensitivities. Calculation checks are available in the repository.

PythonSQLPower BIFinancial analysisSource validation

Independent educational study, not affiliated with Millennium bcp. Scenarios are not statistical forecasts or investment advice.

Portuguese report ↗

PUBLIC APPLICATION · BANKING PRODUCTS

Available

Term Deposit Comparator

Compare beyond the headline rate.

Simulate: amount and maturity
Compare: conditions and returns
Check: each product’s sources

The challenge: Compare deposits with different maturities, eligibility and withdrawal conditions while keeping estimated net returns in view.
My contribution: I combined financial calculations, filters and data visualisation in an application with references to official bank documentation.
What you can explore: Amount and maturity simulations, rankings by estimated net interest, charts and results exports.

Try the application Explore on GitHub

Method, sources and limitations

Set conditions
Compare results
Check the source

The application shows gross interest, estimated withholding tax and net interest. It includes eligibility and early-withdrawal filters, simple and advanced modes and CSV and Excel exports. The dataset is manually maintained.

PythonStreamlitpandasPlotlyData validation

Educational estimates. Product conditions and currency should be checked against official documentation before making a decision.

In development

The next areas of work, with no public deliverable to explore yet.

DSTI · Affordability

Educational affordability simulation using fictitious or anonymised data. Focused on clear assumptions and input validation.

Credit Risk Prediction

Exploring credit risk, model interpretation and responsible evaluation. A learning project with no use in real credit decisions.

03 / TECHNOLOGY & CREATIVITY

A space to build.

PERSONAL PROJECTMano de Plata

From concept to digital presence.

Websites, visual identity and video editing. A portfolio of work exploring the connection between technology, communication and design.

WebsitesVisual identityVideo editingOverlays

Explore work at Mano de Plata ↗

04 / EXPERIENCE

The foundation of my work.

May 2025 – Present

Crédito Agrícola

Banking Assistant – Retail Banking Operations

Retail banking operations within a Portuguese cooperative banking group, supporting client service, credit processes, documentation review and regulated banking workflows.

Responsibilities

Managed high-volume daily retail banking operations, including client service workflows, cash handling, treasury activities, ATM-related tasks and safe procedures.
Supported consumer and mortgage credit processes, including documentation review, financial analysis, affordability assessment and client risk profile evaluation.
Performed KYC and Customer Due Diligence procedures, supporting compliance with AML/CFT regulations, internal policies and regulated onboarding requirements.
Reviewed client documentation, onboarding data and account opening requirements, supporting accurate records, operational quality and client data validation.

May 2023 – May 2025

Banco BiG

Client Manager – Personal Wealth Management

Personal wealth management and investment advisory experience in a Portuguese investment bank, supporting portfolio structuring, client relationships and regulated investment processes.

Responsibilities

Delivered investment advisory support under the MiFID II framework, helping clients align portfolios with risk profiles, investment objectives and financial needs.
Managed and developed relationships across a dedicated personal wealth management client portfolio, delivering tailored wealth management solutions and supporting client retention.
Contributed to portfolio structuring and asset allocation across equities, fixed income instruments and investment products.
Monitored financial markets, investment products and client portfolios, identifying rebalancing opportunities and supporting investment decision-making.
Supported client onboarding and account setup processes, ensuring regulatory compliance, documentation accuracy and operational efficiency.

Education and certifications 9

Capital Markets & Securities Analyst (CMSA®)View ↗Financial Planning & Wealth Management (FPWMP®)View ↗Economics for Capital MarketsView ↗AML/CFT & SanctionsView ↗MiFID II – Investment Advisory & Information ProvisionView ↗Mortgage Credit CommercializationView ↗Insurance Intermediation (Life & Non-Life)View ↗Cyber Risk, Cybersecurity & Cyber InsuranceView ↗Pedagogical Competencies CertificateView ↗

05 / CONTACT

An opportunity.
An idea. Let’s talk.

For career opportunities in finance and technology, or a conversation about a digital project.

[email protected]

Creative projects: Mano de Plata

Between the numbersand what we can build.

Data with context.Work you can explore.