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José Munhoz started their career as a Trainee at BBA Creditanstalt Bank in 1996 before moving on to Banco Matrix S.A. as a Trader in the Mesa de Bolsa Internacional. José then joined Bradesco, where they held various roles, including Head Trader - Mesa de Reais and Head Trader - Mesa Institucional. Subsequently, they worked at Deutsche Bank as an Institutional Sales professional, transitioning to ABN AMRO Bank N.V. as the Head of Institutional Sales Brazil. José Munhoz continued their career at BNP Paribas as the Head of Institutional Sales Brazil and lastly joined XP Inc. as the Head of Sales - Global Markets in 2023. Throughout their career, José Munhoz demonstrated a strong expertise in sales, trading, and market operations across various financial institutions.

José Munhoz completed their Bachelor's degree in Engineering at USP - Universidade de São Paulo from 1992 to 1996, specializing in Production Engineering. In 1998, they took courses in subjects like Microeconomics and International Finance at UCLA. Additionally, they attended Escola Politécnica da USP at an unspecified time.