José Manuel Silva | Mobile Marketing Association
José Manuel Silva
Operations & IT Executive Director
Banco Carrefour

Jose Manuel Silva, has 20 years of experience in Financial services and Consulting industry and currently is the COO and CIO of CSF Bank, a branded Bank for the Carrefour Group, with 4,5M customers and 30M transactions per year. He is responsible for the Digital Transformation turnaround of the company. Prior to joining Grupo Carrefour, Jose held several senior roles at HSBC and for SAP Europe.

Jose is an economist from Minho University, Portugal with specialization in Econometrics and holds his MBA in Strategic Management from the he Federal University of Paraná (UFPR), in Brazil.