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Ricardo Cavalheiro is an accomplished professional with extensive experience in business analysis and financial services. Currently serving as a Senior Business Analyst at Groupe Crédit Agricole since 2019, Ricardo specializes in the evolution and maintenance of banking software, particularly in credit tools. Prior to this, Ricardo held various roles including Talent Scout at Sport Lisboa e Benfica, Business Analyst at BNP Paribas, Accountant at Europcar, Analyst at Visteon Corporation, Consultant at Microsoft, and Commercial at Santander Bank. With a Licentiate degree in Economics from ISCTE Business School, Ricardo possesses strong expertise in translating business requirements, producing technical specifications, and overseeing operational processes across diverse industries.