Miguel Tomé

Manager with solid experience in Commercial and Sales, Management, and Investment Consulting, specialising in high-net-worth portfolios, asset allocation, and the distribution of financial products. Experienced in Partnership Management and Business Consulting/Development within Credit Intermediation. Strong analytical skills in market assessment, treasury management, compliance, and risk management, with proven leadership and team coordination abilities, as well as expertise in client relationship development.

Strategic and Operational Planning – Business Development.

Project Coordinator - SalesForce and Field Marketing Department at Salesland Portugal (2025-12 – 2025-03)

• Comprehensive management of the operation: achieving commercial, quality, and profitability objectives, as well as developing teams across multiple regions of the country.
• Strategic and operational coordination: efficient execution of operations, adherence to defined KPIs, and continuous optimization of commercial performance.
• Full supervision of teams, quality and production control, adherence to operational procedures, and alignment with the guidelines set by the Commercial Directorate.
• Day-to-day operational management, including indicator analysis, executive reporting, forecasting, implementation of improvement plans, and structured monitoring of productivity cycles.
• Monitoring of costs, team sizing, route efficiency, profitability, and overall performance by geographic zones.
• Management of commercial team development processes, with a strong focus on technical leadership, operational autonomy, a culture of excellence, and high accountability.

Business Management and Development Consultant at Century 21 Ibéria (2025-08 – 2025-12)

• Implementation of the FINANCE21 brand in the market, ensuring its presence and growth across Northern Portugal.
• Ongoing supervision of the activities of Tied Credit Intermediaries (ICVs) integrated within the CENTURY 21 network.
• Ensuring legal and operational compliance with the Bank of Portugal and the Portuguese Credit Intermediation legal framework.
• Support in the submission and renewal of certification processes with the Bank of Portugal.
• Monitoring of the mortgage credit pipeline and intermediation operations, with regular performance reporting.
• Preparation of weekly performance reports (results vs. objectives) – KPIs.
• Provision of continuous training and support to ICVs, ensuring best practices and regulatory compliance.
• Development of strategic plans to leverage objectives.
• Franchise Management – Branch's Coordination and Credit Managers.

Account Manager - Financial Advisor at //ABANCA S.A. (2021-09 – 2025-04)

• Client Portfolio Management – Retail and Affluent/High Affluent Segment.
• Portfolio Management and Distribution of Investment Products – Investment Advisory.
• Presentation, Distribution, and Management of Investment Products – Market Analysis.
• Partnership Management with Intermediaries/External Partners.
• Financing Operations – Personal Loans and Mortgage Credit.
• Distribution of Life and Non-Life Insurance Products.
• Treasury and Cash Operations.

Account Manager - Financial Advisor at NOVO BANCO S.A. (2020-12 – 2021-08)

• Banking Management (NB360) - High Affluent Segment.
• Financial Advisor.
• Financing Operations - Credit Certification.
• Certification Banking life and non-life Insurance.

Account Manager at NOVO BANCO S.A. (2018-09 – 2020-12)

• Banking Management at private retail level and Treasury operations.
• Financing Operations - Credit Certification.
• Certification Banking life and non-life Insurance.

Consultant/Commercial Developer at SANTANDER TOTTA S.A. (2018-08 – 2018-09)

• Raise / prospect new customers, presentation of products and offers of the bank, and respective clarification.
• Opening of bank accounts.
• Coordinator and Team Leader of Sales Representatives.

Master's Degree in Economics and Business Administration – Faculdade de Economia do Porto (2018-09 – 2020-09)

Bachelor's Degree in Management – Universidade Portucalense IDH (2015-09 – 2018-06)

Internship in Quality Department – Espaço Visual Agronomic Engineering Consulting

High School Level in Marketing and Business Strategy – Colégio Internato dos Carvalhos (2013-09 – 2015-07)