Raquel Clemente

Raquel Clemente is a finance professional with extensive experience in credit risk analysis and corporate finance. Currently serving as the Head of Credit Risk Analysis at Crédito Agrícola since August 2023, Raquel prepares credit proposals and assesses risk according to regulatory policies for corporate clients. From December 2022 to July 2023, Raquel was the Controlling Business Partner at Bosch Termotecnologia, focusing on business plan controlling and profitability analysis. Prior experience includes serving as a Senior Consultant at PwC Portugal from December 2018 to November 2022, where Raquel specialized in strategy, market analysis, and credit risk analysis for financial institutions. Raquel began a career in credit risk analysis at Caixa Geral de Depósitos, progressing from a Commercial Banking Assistant to a Credit Risk Analyst from September 2009 to November 2018. Educational qualifications include an Executive Master in Finance with specialization in Corporate Finance and a Postgraduate degree in Financial and Fiscal Management.