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

From information to application.

Studies and tools built with public data. Explore the results, sources and work behind each project.

Millennium bcp Power BI dashboard showing H1 2025 and H1 2026 financial indicators

Financial Modeling Case Study – Millennium bcp

Published case study · 2022–2025 + H1 2026

Public bank disclosures connected to 182 traceable historical observations, Python calculations, SQL analysis and Power BI visuals. The revised study explains earnings, credit quality and illustrative scenarios, with explicit conversion and retention sensitivities.

PythonSQLPower BIFinancial analysisSource validation

Read the report (EN) ↗Relatório em português ↗Data and code ↗

Portugal Term Deposit Comparator

Live public project

Banking analytics and financial data quality project comparing Portuguese term deposits by estimated net yield, maturity, eligibility criteria, liquidity conditions and official source validation status.

PythonStreamlitpandasPlotlyData validation

Live app ↗GitHub ↗

DSTI Calculator – Viabilidade

Public portfolio project

Educational affordability and credit effort simulator focused on financial viability, debt-service-to-income analysis and responsible credit simulation using fictitious or anonymised inputs.

PythonStreamlitCredit analysisFinancial simulation

Credit Risk Prediction

Learning / portfolio project

Portfolio project exploring credit risk concepts, model interpretation, validation logic and responsible use of analytics in financial decision-support contexts.

PythonData analysisModel evaluationRisk analytics

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.