IC

Inês Carvalho

Experience

Selected work

Skills

Contact

Open to lead PM roles from January 2027

Email

Résumé →

IC

Inês Carvalho

Experience

Selected work

Skills

Contact

Résumé →

IC

Inês Carvalho

Résumé

Inês Carvalho

Senior Product Manager

Payments · Lisbon

Open to lead PM roles from January 2027

Résumé · 1 pageOpen it A4 or US Letter · Updated October 2026

I build payment products people trust with their money. At Halden Pay I cut failed card payments by 38% and brought instant payouts to 1.2 million sellers. Next: a lead product role in fintech, in Lisbon or remote.

I build payment products people trust with their money. At Halden Pay I cut failed card payments by 38% and brought instant payouts to 1.2 million sellers. Next: a lead product role in fintech, in Lisbon or remote.

I build payment products people trust with their money. At Halden Pay I cut failed card payments by 38% and brought instant payouts to 1.2 million sellers. Next: a lead product role in fintech, in Lisbon or remote.

Now

Senior PM, Payouts

Halden Pay

Experience

9 years in product

and digital banking

Based in

Lisbon, Portugal

CET · EU work rights

Languages

Portuguese, English,

Spanish

Open my résumé →

ines@carvalho.work

LinkedIn

↗

Résumé · 1 pageA4 or US LetterUpdated October 2026Open it
Résumé · 1 pageOpen it A4 or US Letter · Updated October 2026
Résumé · 1 pageOpen it A4 or US Letter · Updated October 2026

Career at a glance

Experience

4 roles · 9 years

Mar 2023 – Now3 yrs 8 mos

Senior Product Manager, Payouts

Halden Pay

·

Lisbon, hybrid

·

Full-time

Cut failed card payments by 38% in two quarters, recovering €4.1M a year for sellers.

  • Lead a team of seven engineers, a designer and an analyst across retries, card updater and 3-D Secure.

  • Launched instant payouts in nine EU markets; 1.2 million sellers used them in the first year.

  • Wrote the payouts risk playbook now used by three product teams.

Payments, Risk, Experimentation, SQL

Mar 2023 – Now · 3 yrs 8 mos

Senior Product Manager, Payouts

Halden Pay

·

Lisbon, hybrid

·

Full-time

Cut failed card payments by 38% in two quarters, recovering €4.1M a year for sellers.

  • Lead a team of seven engineers, a designer and an analyst across retries, card updater and 3-D Secure.

  • Launched instant payouts in nine EU markets; 1.2 million sellers used them in the first year.

  • Wrote the payouts risk playbook now used by three product teams.

Payments, Risk, Experimentation, SQL

Jun 2021 – Feb 20231 yr 9 mos

Product Manager, Checkout

Halden Pay

·

Lisbon

·

Full-time

Raised mobile checkout conversion from 61% to 68%.

  • Ran 40+ A/B tests from a shared experiment calendar with design and data.

  • Rebuilt address entry with local formats for 14 countries.

Jun 2021 – Feb 2023 · 1 yr 9 mos

Product Manager, Checkout

Halden Pay

·

Lisbon

·

Full-time

Raised mobile checkout conversion from 61% to 68%.

  • Ran 40+ A/B tests from a shared experiment calendar with design and data.

  • Rebuilt address entry with local formats for 14 countries.

Sep 2019 – May 20211 yr 9 mos

Associate Product Manager

Brightwell Health

·

London

·

Full-time

Shortened appointment booking from nine taps to four.

  • Shipped NHS login, the most requested feature of 2020.

  • Weekly active patients grew from 40,000 to 210,000 during my time on the team.

Sep 2019 – May 2021 · 1 yr 9 mos

Associate Product Manager

Brightwell Health

·

London

·

Full-time

Shortened appointment booking from nine taps to four.

  • Shipped NHS login, the most requested feature of 2020.

  • Weekly active patients grew from 40,000 to 210,000 during my time on the team.

Sep 2017 – Aug 20192 yrs

Graduate Analyst, Digital Banking

Caixa Atlântica

·

Porto

·

Graduate scheme

Sep 2017 – Aug 2019 · 2 yrs

Graduate Analyst, Digital Banking

Caixa Atlântica

·

Porto

·

Graduate scheme

Skills

Product

Discovery and research

Payments and risk

Pricing

Experiment design

Roadmaps and OKRs

Data and tools

SQL

Amplitude

Looker

Python (pandas)

Figma

Languages

Portuguese

Native

English

C2

Spanish

B2

German

A2

Education and credentials

2016 – 2017

MSc Management Science

London School of Economics

·

Merit

Degree

2016 – 2017

MSc Management Science

London School of Economics

·

Merit

Degree

2013 – 2016

BSc Economics

Universidade do Porto

·

17/20

Degree

2013 – 2016

BSc Economics

Universidade do Porto

·

17/20

Degree

2025

“Retries that don’t annoy people”

Talk, Payments Product Summit, Amsterdam

Talk

2025

“Retries that don’t annoy people”

Talk, Payments Product Summit, Amsterdam

Talk

2020

Certified Scrum Product Owner

Scrum Alliance

Certificate

2020

Certified Scrum Product Owner

Scrum Alliance

Certificate

Kind words

“Inês is the PM engineers ask for by name. She turned our payouts mess into the thing sellers mention when they recommend us.”

Tomás Reis

Engineering Director, Halden Pay

·

worked with Inês 2021–2025

“She asked the question nobody in the room wanted to ask, then came back with the data to answer it.”

Priya Natarajan

Head of Product, Brightwell Health

·

managed Inês 2019–2021

The fastest way to reach me is email. I reply within a day.

ines@carvalho.work
Copy

LinkedIn

↗

Résumé →

Inês Carvalho · Lisbon

Last updated October 2026

The fastest way to reach me is email. I reply within a day.

ines@carvalho.work
Copy

LinkedIn

↗

Résumé →

Inês Carvalho · Lisbon

Last updated October 2026

The fastest way to reach me is email. I reply within a day.

ines@carvalho.work
Copy

LinkedIn

↗

Résumé →

Inês Carvalho · Lisbon

Last updated October 2026

Create a free website with Framer, the website builder loved by startups, designers and agencies.