Pedro Sousa Cardoso

Senior Vice President and Global Head, Group Digital Commerce Executive Director, Board Member Emirates NBD United Arab Emirates

Pedro is a digital enthusiast, passionate about technology, science and innovation. He works with creative, technology and challenger teams to make banking frictionless, innovative and exciting, while consistently generating $MMM in ROI.

He is an experienced, innovative and analytical digital banking professional with both strategy and practical front line experience. He developed distinctive digital banking capabilities for a large leading retail bank in Europe and collaborated with a leading trading, investment and technology company focusing on multi-asset trading and investing in global capital markets.

Pedro also undertook the rare experience of developing a true challenger and fully licensed digital banking model from inception as part of a FinTech Venture Fund. This digital bank has become a leader in its target segment growing AUMs to EUR 2B+ and acquiring more than 30% of market share.

More recently, he crafted and executed a comprehensive multichannel and digital transformation program for one of the largest banking groups in the Middle East, focusing on retail banking and wealth management.

Pedro has a proven track record transforming traditional market approaches into groundbreaking concepts through market-driven insights and a flair for banking innovation, while leading large, cross-functional teams to consistently elevate operational performance. He possesses extensive knowledge of digital technology within the financial services sector and demonstrated ability to transform data into industry-leading product development initiatives in different geographies, cultures and markets.

Currently, he is working as the Senior Vice President and Head of Multichannel CRM and Digital Transformation at Emirates NBD- UAE