Educated at Universidade Católica Portuguesa and INSEAD.
1987: Started at Citigroup Portugal where he became vice-president and head of capital markets.
1991: Recruited by Goldman Sachs. Worked in corporate finance in London and New York.
1993: Joined Santander and became chief executive of Banco Santander de Negócios (Portugal).
1997: Chief executive and chairman of the board of Banco Santander Brasil.
2000: Returned to Portugal when Santander acquired Portuguese bank Totta. Became chief executive of Totta and introduced Partenon into the bank.
2006: Chief executive of Abbey National.