João Ribeiro

Internal Auditor at OCP Portugal
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Contact Information
us****@****om
(386) 825-5501
Location
Porto, Porto, Portugal, PT
Languages
  • English Full professional proficiency

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Luis Couto

João tem uma excepcional capacidade analítica e de antecipação. Possui competências sólidas na área da negociação, potenciadas por uma base de conhecimentos forte na área de gestão e banca. Liderou com sucesso dossiês de dimensão e complexidade relevante na área dos NPLs, que envolveram múltiplos interlocutores e distintas áreas do saber. É sem dúvida um profissional com quem gostaria de voltar a trabalhar no futuro.

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Credentials

  • Advanced Financial Training
    ENB - Business School
    May, 2023
    - Nov, 2024
  • GDPR Praticioner Training
    McKesson Europe AG
    Mar, 2023
    - Nov, 2024
  • Hospital Business Enhancement (HBE)
    AESE Business School
    May, 2022
    - Nov, 2024
  • Grow Leadership - Advanced Mckesson Europe International Development Programme
    McKesson Europe AG
    Feb, 2020
    - Nov, 2024
  • Advanced International Credit & Trade Finance
    Thunderbird School of Global Management
    May, 2018
    - Nov, 2024
  • Essentials of International Credit & Trade Finance
    Thunderbird School of Global Management
    Nov, 2016
    - Nov, 2024

Experience

  • OCP Portugal
    • Portugal
    • Pharmaceutical Manufacturing
    • 1 - 100 Employee
    • Internal Auditor
      • Jul 2019 - Present

      Auditor in all fields of the company

    • Head of Credit Department
      • Oct 2009 - Present

      ♦ Head of Credit Management Department (Phoenix Portugal Shared Service); ♦ Design and implementation of all credit, collections and credit risk prevention related processes ♦ Focus on supporting company growth; ♦ Accreditation of new customers (national and international); ♦ Establishing/revising credit limits based on customer’s creditworthiness through extensive credit analysis; ♦ Participation in the process of debt collection and credit recovery; ♦ Negotiation of payment… Show more ♦ Head of Credit Management Department (Phoenix Portugal Shared Service); ♦ Design and implementation of all credit, collections and credit risk prevention related processes ♦ Focus on supporting company growth; ♦ Accreditation of new customers (national and international); ♦ Establishing/revising credit limits based on customer’s creditworthiness through extensive credit analysis; ♦ Participation in the process of debt collection and credit recovery; ♦ Negotiation of payment plans and collaterals; ♦ Design of a Risk Classification Model ♦ Performs periodic credit evaluations on all active customers – Risk Classification; ♦ Coordination and motivation of a team of five elements; ♦ Developing relationships with Sales, Accounting, Legal, Internal Audit and other departments within the company in order to consistently enhance overall quality improvement in “credit-to-cash” workflow processes; ♦ Responsible to ensure Sox compliance abd Sod in Credit Department; ♦ Assisting with the quarterly allowance calculation for financial reporting; ♦ Interfaces with the IT department to ensure the on-going development of automation concerning the Credit Department’s processes; being project leader on new credit IT developments; ♦ Connection between the company and the group in credit related subjects; ♦ Elaboration of monthly, quarterly and annual reports, periodically explaining the results with the National Board as well with the Group. ♦ Implementation of an online payment method for a web based service at Holon, SA

    • PMO - M&A
      • Jul 2022 - Dec 2022

      ♦PMO of a M&A Project. M&A project concluded successfully

    • Product Owner
      • Nov 2018 - Sep 2022

      ♦ Product Owner of a health disruptive project (Agile environment) ♦ Scrum Master

  • Santander Portugal
    • Portugal
    • Banking
    • 700 & Above Employee
    • Non Performing Loans Analyst
      • Jun 2004 - Oct 2009

      ♦ Creation of the first department of the Bank associated with problematic debts; ♦ Analysis of customer and reporting to the Executive Council; ♦ Study-risk transactions exceeding EUR 200,000; ♦ Negotiating with customers, studying and proposing solutions; ♦ Implementation and monitoring of the authorized proposals, sometimes with indirect involvement in the management of companies subject to intervention; ♦ Representative of the Bank in Creditors’ Committees in Bankruptcy… Show more ♦ Creation of the first department of the Bank associated with problematic debts; ♦ Analysis of customer and reporting to the Executive Council; ♦ Study-risk transactions exceeding EUR 200,000; ♦ Negotiating with customers, studying and proposing solutions; ♦ Implementation and monitoring of the authorized proposals, sometimes with indirect involvement in the management of companies subject to intervention; ♦ Representative of the Bank in Creditors’ Committees in Bankruptcy, Corporate Recovery and Insolvency proceedings; ♦ Study and appreciation of Extrajudicial Conciliation Procedures; ♦ Regular visits to branches with the aim of solving risk operations; ♦ Development of opinions on restructuring proposals elaborated by branches; ♦ Classification of customers and allocation of risk policies; ♦ Power of Attorney to negotiate and represent the bank in operations of payment in kinds; ♦ Power of Attorney to represent the firm Populargest in assets purchasing acts. Show less ♦ Creation of the first department of the Bank associated with problematic debts; ♦ Analysis of customer and reporting to the Executive Council; ♦ Study-risk transactions exceeding EUR 200,000; ♦ Negotiating with customers, studying and proposing solutions; ♦ Implementation and monitoring of the authorized proposals, sometimes with indirect involvement in the management of companies subject to intervention; ♦ Representative of the Bank in Creditors’ Committees in Bankruptcy… Show more ♦ Creation of the first department of the Bank associated with problematic debts; ♦ Analysis of customer and reporting to the Executive Council; ♦ Study-risk transactions exceeding EUR 200,000; ♦ Negotiating with customers, studying and proposing solutions; ♦ Implementation and monitoring of the authorized proposals, sometimes with indirect involvement in the management of companies subject to intervention; ♦ Representative of the Bank in Creditors’ Committees in Bankruptcy, Corporate Recovery and Insolvency proceedings; ♦ Study and appreciation of Extrajudicial Conciliation Procedures; ♦ Regular visits to branches with the aim of solving risk operations; ♦ Development of opinions on restructuring proposals elaborated by branches; ♦ Classification of customers and allocation of risk policies; ♦ Power of Attorney to negotiate and represent the bank in operations of payment in kinds; ♦ Power of Attorney to represent the firm Populargest in assets purchasing acts. Show less

  • Banco Nacional de Crédito, Sa
    • Porto Area, Portugal
    • Credit Risk Analyst
      • Jan 2001 - May 2004

      ♦ Adaptation of the accounting items to the defined analysis models ♦ Study of loans, economic and financial analysis of companies and economic groups; ♦ Analysis of the involvement of companies in the banking system; ♦ Analysis of investments projects; ♦ Analysis of the profitability of TPAs; ♦ Power to decide credit operations up to 25.000 Euros and commercial up to 50.000 Euros; ♦ Adaptation of the accounting items to the defined analysis models ♦ Study of loans, economic and financial analysis of companies and economic groups; ♦ Analysis of the involvement of companies in the banking system; ♦ Analysis of investments projects; ♦ Analysis of the profitability of TPAs; ♦ Power to decide credit operations up to 25.000 Euros and commercial up to 50.000 Euros;

Education

  • Universidade do Porto
    Graduate, Economics
    1995 - 2000
  • Secundária Augusto Gomes

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