Inês Carvalho
Senior Product Manager · Payments
Lisbon, Portugal · ines@carvalho.work · +351 912 000 000 · linkedin.com/in/inescarvalho · carvalho.work
Product manager with nine years in payments and digital banking. At Halden Pay I cut failed card payments by 38% and brought instant payouts to 1.2 million sellers. Looking for a lead product role in fintech, in Lisbon or remote.
Experience
Senior Product Manager, Payouts
Mar 2023 – Present
Halden Pay
·
Lisbon, hybrid
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.
Product Manager, Checkout
Jun 2021 – Feb 2023
Halden Pay
·
Lisbon
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.
Associate Product Manager
Sep 2019 – May 2021
Brightwell Health
·
London
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.
Graduate Analyst, Digital Banking
Sep 2017 – Aug 2019
Caixa Atlântica
·
Porto
Automated the monthly fraud report, saving 30 analyst hours a month.
Education
MSc Management Science
London School of Economics
·
Merit
·
2016 – 2017
BSc Economics
Universidade do Porto
·
17/20
·
2013 – 2016
Credentials
Certified Scrum Product Owner
Scrum Alliance
·
2020
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)
carvalho.work/resume · updated October 2026