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André Lopes has over a decade of experience at Santander Portugal, currently serving as a Risk Specialist in Credit Collections and Recoveries, where responsibilities include co-leading a multidisciplinary team and developing strategies to manage debt collections and NPL in response to evolving regulations. Previous roles include Credit Risk Portfolio Manager, overseeing retail credit exposures, and Head of Capital and Model Risk Management, focusing on regulatory compliance and capital adequacy frameworks. André began professional career at everis as a functional consultant across various sectors including public, industrial, and banking. Academic qualifications include a banking formation from IFB, English proficiency at B1 level from ISCTE, and a degree in Management Informatics from the University of Minho.