Experience

Crowe Advisory PT
• Portugal
• Business Consulting and Services
• 1 - 100 Employee
• Senior Advisor

  • Feb 2020 - Present

AFIP - FinTech and InsurTech Portugal
• Portugal
• Non-profit Organization Management
• 1 - 100 Employee
• Insurtech Group

  • Mar 2021 - Present


In Consulting

• Business Consulting and Services

• Marketing and Insurance _ Consultancy and Training

  • Jun 2018 - Present

  With a long and diversified career, namely at SONAE Group, I have recently embraced independent consultancy in two different domains: - Marketing: . content management for newsletters, websites and digital media, in partnership with experienced reporters and professionals from each specific sector . event management and reporting . marketing and innovation consultancy - Specifically for the insurance sector: . commercial and marketing strategies consultancy . market intelligence and training services . insurance brokerage. I have a solid experience in leadership, management and marketing. I had just started my career as a chemical engineer at RAR Group, as chief of Quality and Marketing for Buondi Café (Montarroio), when I decided to develop my management skills by pursuing an MBA. I was seduced to enter the financial sector immediately after concluding the MBA.The last 26 years were dedicated to the insurance world, the first 8 as Marketing Director at Real Seguros and Real Vida Companies, followed by 18 years at MDS, the leading Portuguese broking group that belongs to SONAE and Suzano and is present also in Brazil, Angola, Spain and Mozambique. There I had the opportunity to get involved in diversified challenges in the areas of Business Planning and Management (namely as General Manager of MDS AUTO), Team Leadership, Commercial, New Business Models and Marketing Management, being the most innovative challenge the study and implementation – as General Manager – of the 1st online broker: Seguros Continente.



Rede Mulher Lider

• Non-profit Organizations
• 1 - 100 Employee

• Knowledge Partner _ Insurance and Marketing _ Women in Leadership Portuguese Network

  • 2016 - Present

  Rede de empresárias facilitada pelo Iapmei, agregando sobretudo Administradoras de PME's Líder/ de Excelência Rede de empresárias facilitada pelo Iapmei, agregando sobretudo Administradoras de PME's Líder/ de Excelência



MDS Group

• Portugal
• Insurance
• 700 & Above Employee

• Director

  • Sep 2014 - May 2018

  In a Technical Center new venture for MDS, Business Analytics, Trends and Market Analysis in Suppliers, Competitors, Business Innovation Tools, and Demand Segments are my current challenges in order to support and help anticipation of the best business strategies and technical innovations inside MDS Group in Portugal and Africa.

• General Manager MDS Auto - 1st insurance broker specialized in automobile world sectors

  • Nov 2010 - Sep 2014

  Belonging to MDS and Salvador Caetano Groups, MDS AUTO is the first Portuguese broker specialized in car industry (namely in programs for insurance selling in car retail and workshop stores to their customers).The challenge was to integrate Coral 20 people team (origin broker) in MDS culture, looking for the best of both parts, optimize productivity and enhancing commercial opportunities, in a period of high challenging market due to strong market recession in car sales. The challenge was to integrate Coral 20 people team (origin broker) in MDS culture, looking for the best of both parts, optimizing productivity and enhancing commercial opportunities, in a period of high challenging market due to strong market recession in car sales. After this initial phase, MDS Auto was fully integrated in MDS divisions, with no autonomous General Management.

• New Business Models Devel. Manager _ MDS Partners

  • Mar 2009 - Jun 2011

  The main project in this period was the creation of concept and planning of a business model, for the current MDS Partners company, one of the leading professional insurance intermediates network in Portugal, centred in MDS Group central services and technical /commercial support. It involved substantial international research and strategic thinking in order to innovate and to create a lean structure, giving birth to a company currently in high speed successful development.



Sonae MC

• Portugal
• 1 - 100 Employee

• General Manager Seguros Continente

  • Oct 2007 - Mar 2009

  From 2007 to the start of 2009, I was in charge of the development of a concept of mass market pioneer in Portugal, which consists of selling insurance to food retail stores customers through ecommerce (www.seguroscontinente.pt) and contact centre in-house platforms. It was a very enriching experience, as I had the opportunity to be part of this innovative concept creation and business plan definitions group, and to lead company's "building" and management in its first year of activity. Market reactions to this project were strong, according to success near customers and the reactive answer by competitors in the low cost insurance segment: a vivid and quite dynamic “market arena”.

• Marketing, Brand Insurance, Affinities and Private Lines Manager

  • Nov 2000 - Oct 2007

  Largest Insurance Broker in Portugal (Sonae Group) Largest Insurance Broker in Portugal (Sonae Group)



Real Vida Seguros, S.A.

• Portugal
• Insurance
• 100 - 200 Employee

• Marketing Manager Real e Real Vida Seguros

  • 1992 - 2000

  My entry into the world of insurance was in 1993, through the “hand” of an MBA teacher who appointed me to the CEO of the Real Seguros. Besides Marketing, I had the opportunity to participate in various innovative projects, namely as a pivot of implementation of the first “Assurfinance” in Portugal, involving negotiation of protocols with renowned Financial Entities. My entry into the world of insurance was in 1993, through the “hand” of an MBA teacher who appointed me to the CEO of the Real Seguros. Besides Marketing, I had the opportunity to participate in various innovative projects, namely as a pivot of implementation of the first “Assurfinance” in Portugal, involving negotiation of protocols with renowned Financial Entities.



SEGURCAR SA

• Board Member Segur Car

  • 1995 - 1998

  Segur Car (Rent-a-car) Segur Car (Rent-a-car)



Rar- Refinarias De Açúcar Reunidas, S.A.

• Quality Manager + Chief of Marketing Buondi Café

  • 1989 - 1992

  Buondi Café (Montarroio- Sociedade Comercial de Cafés, a coffee roastery and distribution firm belonging than to RAR Group) Buondi Café (Montarroio- Sociedade Comercial de Cafés, a coffee roastery and distribution firm belonging than to RAR Group)