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José Gonçalves has a diverse work experience in the banking industry. José started their career as an Innovation LAB Consultant at ActivoBank in 2015. José then joined Millennium bcp in 2017, where they held various roles such as Business Development Consultant, Digital Consultant, Treasury and Digital Manager, and Head of Digital and Marketing Communication. In 2022, José joined novobanco as the Head of Corporate Marketing.

José Gonçalves has a Master's degree in Management from Católica Porto Business School, which they obtained from 2014 to 2016. Prior to that, they completed their Bachelor's degree in Marketing Management at Instituto Superior de Contabilidade e Administração do Porto from 2011 to 2014.

In terms of executive education, José attended Moody's Analytics in 2021 for Trade Finance & Working Capital Cycle studies. In 2019, they enrolled in an executive education program at Nova School of Business and Economics focusing on Selling Skills with a Customer Focus. Additionally, in 2018, José received executive education in Digital Banking and Fintech 2.0 at IFB - Instituto de Formação Bancária.