Ricardo Carvalho is a seasoned professional with extensive experience in technology and project management across various industries. Currently serving as Gerente de Sistemas Backoffice - TI at Bacio di Latte, Ricardo focuses on digital product management and resource coordination. Prior roles include Tech Manager/Product Owner at Toro Investimentos and Carrefour Brasil, emphasizing cross-functional team leadership and agile methodologies. A former SAP Finance Manager at SAP and Project Manager at IBM, Ricardo brings a strong background in finance, software development, and compliance. Academically accomplished, Ricardo holds an MBA in Finanças from FIA Business School and is pursuing a CST in Computer Science with Python at IME-USP, complemented by a Bachelor's in Administration and a Master's in Computer Applications.