José is the co-founder of Raize, Portugal’s largest peer-to-peer lender, which sources and invests in thousands of national SMEs. Raize currently works with more than 35,000 investors and companies, and is also a fully EU-regulated payments institution and crowdfunding platform. Raize has recently IPO’d on the Lisbon Stock Exchange acquiring +1,400 new retail and institutional shareholders. Previously, José worked at Oliver Wyman in London specialising in bank restructuring and public policy. During this time, he worked on a number of high-level projects with major financial institutions and authorities across Europe. As part of José’s engagement with public policy and innovation, was a member of the "Innovator's Strategic Advisory Board to G7 Leaders", representing the European Commission and advising on topics related to Artificial Intelligence and Big Data. He is also a regular guest speaker at universities, business conferences and entrepreneurship events. José is one of the co-founders of non-profit organisation “Acredita Portugal”, which runs one of the largest entrepreneurship competitions in the world. José currently lives in Lisbon but has worked in London, Paris and Madrid. He speaks fluent Portuguese, English, French, German and Spanish. In his spare time José runs marathons.
P2P lenders are struggling to find credible borrowers which is stunting its growth.
There was a lack of IPOs on the Lisbon stock exchange in the run up to Raize going public.
Jose said: "Going public is an expensive process but it should be seen as an investment. It is the best marketing campaign."
Being licensed and regulated in Portugal, Raize's plan is to focus on building its reputation and audience there before expanding internationally.