Pessoas que explicam.
Pessoas que acompanham.

Os nossos gestores de crédito estão aqui para ouvir, analisar e explicar cada opção com clareza, para que possa decidir com confiança.

Pedir acompanhamento

Por trás de cada decisão financeira está sempre uma conversa. Os nossos gestores de crédito acompanham cada cliente de forma próxima, explicando todas as opções e garantindo que cada passo é dado com segurança e tranquilidade.
Mais do que tratar processos, tratamos pessoas.

Os nossos gestores

Esta é a equipa que irá analisar a sua situação, esclarecer dúvidas e acompanhar todo o processo. Cada gestor segue a mesma forma de trabalhar: ouvir primeiro, explicar com clareza e acompanhar até ao final.

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Older man with gray hair wearing a dark navy suit, white dress shirt, and navy tie, standing with arms crossed and smiling slightly.

Luís Coutinho

Diretor Coordenador

Simple blue phone icon representing contact phone number+351 938 885 878
Simple black envelope icon representing email or mail.luiscoutinho@xfin.pt
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Neuza Martins

Diretora de Operações

Simple blue phone icon representing contact phone number +351 937 531 382
Simple black envelope icon representing email or mail.neuzamartins@xfin.pt
Smiling woman with shoulder-length blonde hair wearing a white blazer over a black top, standing with arms crossed.

Diana Carvalho

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 910 027 273
Simple black envelope icon representing email or mail.dianacarvalho@xfin.pt
Man with short dark hair and beard wearing glasses, a white shirt, and a blue blazer, smiling with arms crossed.

Ricardo Nogueira

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 916 751 384
Simple black envelope icon representing email or mail.ricardonogueira@xfin.pt
Woman with long dark hair wearing a black blazer over a white blouse with ruffled collar and cuffs, arms crossed, looking confidently ahead.

Jéssica Oliveira

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 936 470 225
Simple black envelope icon representing email or mail.jessicaoliveira@xfin.pt
Man with short dark hair and beard wearing a dark blazer over a white button-up shirt, facing forward with a neutral expression.

João Rabaça

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 967 876 646
Simple black envelope icon representing email or mail.joaorabaca@xfin.pt

Sandra Rodrigues

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 936 392 635
Simple black envelope icon representing email or mail.sandrarodrigues@xfin.pt
Portrait of a woman with short blonde hair wearing a black glittery turtleneck sweater, looking straight at the camera with a neutral expression.

Teresa Soares

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 962 591 893
Simple black envelope icon representing email or mail.teresasoares@xfin.pt
Smiling woman with long blonde hair wearing a red blazer over a white top, standing with arms crossed, wearing a wristwatch and bracelet on her left wrist.

Irene Aleixo

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 917 756 491
Simple black envelope icon representing email or mail.irenealeixo@xfin.pt
Smiling man with short dark hair and light facial hair wearing clear eyeglasses, a light beige blazer over a light blue checked shirt, with hands clasped in front.

João Arede

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 963 273 644
Simple black envelope icon representing email or mail.joaoarede@xfin.pt
A middle-aged man with short brown hair and a trimmed gray beard wearing a dark blue suit jacket over a white dress shirt, standing with arms crossed and smiling slightly.

António Araújo

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 913 597 977
Simple black envelope icon representing email or mail.antonioaraujo.jlab@xfin.pt
Smiling woman with curly hair wearing a light blue blazer and a white shirt with a floral design, arms crossed, and a gold watch on her wrist.

Susana Araújo

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 961 873 358
Simple black envelope icon representing email or mail.susana.araujo@xfin.pt
Middle-aged man with gray hair wearing a dark blazer and a light blue striped button-up shirt, smiling with arms crossed.

Rui Barrote

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 961 953 975
Simple black envelope icon representing email or mail.ruibarrote@xfin.pt
Man with dark hair and glasses wearing a navy suit, white shirt, and dark blue tie, standing with arms crossed and a neutral expression.

Bruno Bento

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 938 881 742
Simple black envelope icon representing email or mail.brunobento@xfin.pt
Man with short dark hair and glasses wearing a navy blue suit jacket over a light blue shirt, arms crossed, and a silver watch on his left wrist.

André V. Carvalho

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 919 019 808
Simple black envelope icon representing email or mail.andre.carvalho@xfin.pt
Smiling woman with shoulder-length brown hair wearing a white blouse and a dark statement necklace, arms crossed.

Paula Claro

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 962 694 109
Simple black envelope icon representing email or mail.paulaclaro@xfin.pt
Middle-aged man with salt-and-pepper hair and glasses wearing a dark blazer and shirt with arms crossed against a white background.

Carlos Correia

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 962 436 396
Simple black envelope icon representing email or mail.carloscorreia@xfin.pt
Middle-aged man with glasses, mustache, and short hair wearing a salmon-colored short-sleeve button-up shirt, arms crossed, smiling slightly.

António Cruz

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 918 173 785
Simple black envelope icon representing email or mail.antoniocruz@xfin.pt
Smiling woman with curly dark hair wearing a navy blazer over a white blouse with her arms crossed.

Mafalda Cruz

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 969 115 749
Simple black envelope icon representing email or mail.mafaldacruz@xfin.pt
Man with short hair, beard, and glasses wearing a light gray blazer over a black shirt, looking slightly to the side with a confident expression.

Alexandre Dias

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 962 431 300
Simple black envelope icon representing email or mail.alexandre.dias@xfin.pt
Smiling woman with long gray hair wearing a white blouse with floral embroidery and a black vest, against a plain white background.

Anabela Duarte

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 938 886 374
Simple black envelope icon representing email or mail.anabeladuarte@xfin.pt
Smiling woman with straight blonde hair wearing a dark long-sleeve shirt, standing with arms crossed.

Mónica Esteves

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 938 885 474
Simple black envelope icon representing email or mail.monicaesteves@xfin.pt
Professional portrait of a woman with shoulder-length brown hair, wearing glasses, pearl earrings, a black blazer, and a white shirt, smiling softly.

Paula C. Fernandes

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 913 946 278
Simple black envelope icon representing email or mail.paula.cristina.fernandes@xfin.pt
Man with short curly black hair wearing a light blue patterned blazer and white shirt, standing with arms crossed and smiling slightly against a white background.

José Ferreira

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 912 917 673
Simple black envelope icon representing email or mail.joseferreira@xfin.pt
Smiling man with dark hair wearing a navy blue suit jacket and white dress shirt, arms crossed.

Tomé Ferraz

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 936 277 658
Simple black envelope icon representing email or mail.tomeferraz@xfin.pt
Man with short dark hair and glasses wearing a dark suit jacket and white shirt with arms crossed, looking at the camera.

Manuel Fonseca

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 938 885 478
Simple black envelope icon representing email or mail.manuelfonseca@xfin.pt
Woman with shoulder-length dark brown hair wearing a navy blazer and white blouse, smiling with arms crossed.

Rita Fonseca

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 919 550 314
Simple black envelope icon representing email or mail.ritafonseca@xfin.pt
Middle-aged man with short dark hair wearing a dark gray blazer over a navy polo shirt, standing with arms crossed and a neutral expression.

Manuel Gameiro

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 927 766 056
Simple black envelope icon representing email or mail.manuelgameiro@xfin.pt
A man in a dark suit with a light blue shirt and a striped tie is standing with his arms crossed and smiling.

Rui Gama

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 938 886 722
Simple black envelope icon representing email or mail.ruigama@xfin.pt
Mature man with gray hair wearing a dark suit, white shirt, and light gray tie, standing with arms crossed and a confident expression.

José Gaspar

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 938 885 356
Simple black envelope icon representing email or mail.josegaspar@xfin.pt
Portrait of a woman with straight brown hair wearing a dark blazer over a white blouse and a pearl necklace, smiling slightly against a white background.

Rosa Fiuza Gaspar

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 922 105 250
Simple black envelope icon representing email or mail.rosafiuza@xfin.pt
Middle-aged man with glasses, wearing a white dress shirt and dark blue tie, crossing his arms and looking ahead with a neutral expression.

Miguel Gonçalves

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 932 001 504
Simple black envelope icon representing email or mail.miguelgoncalves@xfin.pt
Smiling woman with straight brown hair wearing a pink blazer over a black top and layered necklaces, standing with arms crossed.

Tânia Chaves Gonçalves

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 969 066 177
Simple black envelope icon representing email or mail.taniachavesgoncalves@xfin.pt
Smiling woman with medium-length brown hair wearing black glasses, a white shirt, a dark blue textured vest, and a gold wristwatch.

Mónica Lima

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 964 161 570
Simple black envelope icon representing email or mail.monica.lima@xfin.pt
Middle-aged man wearing a dark suit, light blue shirt, and green tie with arms crossed, looking forward with a neutral expression, and wearing round eyeglasses.

Pedro Lino

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 918 595 120
Simple black envelope icon representing email or mail.pedrolino@xfin.pt
Smiling middle-aged woman with long blonde hair wearing pearl earrings, a pearl necklace, a dark green blouse, and a black jacket with decorative loops.

Ana Teixeira Lopes

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 961 508 663
Simple black envelope icon representing email or mail.analopes@xfin.pt
Smiling woman with wavy, shoulder-length hair wearing a navy blazer over a white blouse, standing with arms crossed.

Liliana Matos

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 962 981 485
Simple black envelope icon representing email or mail.liliana.matos@xfin.pt
Portrait of a young woman with long, straight blonde hair wearing a black off-shoulder top and a delicate necklace with a heart-shaped pendant, smiling softly and looking forward.

Anastasia Medvedeva

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 912 838 720
Simple black envelope icon representing email or mail.anastasia.m@xfin.pt
Man with glasses and a beard wearing a dark suit jacket over a white shirt, smiling with arms crossed.

José António Mendes

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 938 885 253
Simple black envelope icon representing email or mail.joseantonio@xfin.pt
Man with short dark hair and beard wearing a light blue button-up shirt, looking directly at the camera.

Ricardo Mendes

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 914 766 220
Simple black envelope icon representing email or mail.ricardomendes@xfin.pt
Man with dark hair and beard wearing a blue suit jacket and a blue striped dress shirt, looking at the camera with a neutral expression.

Flávio Mimoso

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 916 512 217
Simple black envelope icon representing email or mail.flaviomimoso@xfin.pt
Middle-aged man with a full beard and glasses wearing a dark blue suit, white shirt, and blue tie, standing with arms crossed and looking confidently at the camera.

Marco Monteiro

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 919 104 769
Simple black envelope icon representing email or mail.marcomonteiro@xfin.pt
Confident woman with shoulder-length brown hair, wearing a navy blue blazer over a white top, standing with arms crossed and red nail polish.

Carla Pais

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 938 452 827
Simple black envelope icon representing email or mail.carlapais@xfin.pt
Woman with dark hair wearing a black blazer over a white pleated blouse, posing with her right hand resting on her chin showing a gold digital wristwatch and rings, smiling gently.

Janete Pereira

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 967 893 357
Simple black envelope icon representing email or mail.janete.pereira@xfin.pt
Man with medium-length brown hair and beard wearing a navy blazer over a white shirt, arms crossed, and a silver wristwatch on left wrist.

Marco Fontes Pereira

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 962 869 047
Simple black envelope icon representing email or mail.fontespereira@xfin.pt
Middle-aged man with gray hair and beard wearing black-rimmed glasses, a dark blue suit with a yellow patterned pocket square, a white shirt, a watch with a brown leather strap, and standing with arms crossed.

Luís Pires

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 910 115 107
Simple black envelope icon representing email or mail.luispires.jlab@xfin.pt
Confident woman with long wavy brown hair wearing a black blazer and patterned blouse, arms crossed, looking directly at the camera.

Carla Rego

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 965 438 412
Simple black envelope icon representing email or mail.carlarego@xfin.pt
Woman with straight brown hair wearing pearl earrings, a blue pinstripe blazer, and a patterned blouse, looking confidently at the camera with a slight smile.

Cristina Resende

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 960 022 940
Simple black envelope icon representing email or mail.cristinaresende@xfin.pt
Middle-aged man with gray hair wearing a dark suit, white shirt, and red tie, standing with arms crossed and a neutral expression.

Manuel Ribeiro

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 924 276 861
Simple black envelope icon representing email or mail.manuelribeiro@xfin.pt
Portrait of a woman with long brown hair wearing a beige corduroy blazer over a dark top, smiling with arms crossed.

Susana Ribeiro

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 917 932 693
Simple black envelope icon representing email or mail.susana.ribeiro@xfin.pt
Middle-aged woman with shoulder-length light brown hair wearing an olive green long-sleeve top with a loose collar, posing with hands gently crossed in front.

Fátima Rodrigues

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 963 070 043
Simple black envelope icon representing email or mail.fatima.rodrigues@xfin.pt
Woman with shoulder-length blonde hair wearing a black blazer over a red top, smiling with arms crossed.

Lubélia Rosa

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 966 138 104
Simple black envelope icon representing email or mail.lubeliarosa@xfin.pt
Woman with light brown wavy hair wearing gold earrings and a green shirt under a gray patterned vest, smiling with her left hand resting on her chin.

Maria Ruivo

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 910 700 715
Simple black envelope icon representing email or mail.mariajorgeruivo@xfin.pt
Smiling young woman with long straight brown hair wearing a fitted black short-sleeve top, posing against a white background.

Inês Santos

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 917 004 334
Simple black envelope icon representing email or mail.inessantos@xfin.pt
Woman with straight black hair wearing a blue and white vertical striped button-up shirt with a green and white stripe on the sleeve, standing with arms crossed in front of a white background.

Paula Santos

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 961 140 704
Simple black envelope icon representing email or mail.paulasantos@xfin.pt
Young woman with medium-length brown hair wearing a black top with sheer sleeves, smiling with her arms crossed.

Mónica Silva

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 963 077 362
Simple black envelope icon representing email or mail.monica.silva@xfin.pt
Smiling woman with long blonde hair wearing large white-framed glasses, dangly earrings, a white textured blazer with gold buttons, and a black top, posing with arms crossed.

Sandra Silva

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 913 453 715
Simple black envelope icon representing email or mail.sandrasilva@xfin.pt
Woman with shoulder-length brown hair wearing a beige and black leopard print button-up shirt, smiling and facing forward.

Helena Simões

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 912 453 281
Simple black envelope icon representing email or mail.helena.simoes@xfin.pt
Man wearing round glasses, a dark blue suit jacket, and a white dress shirt with arms crossed, smiling at the camera.

Fernando Soares

Gestor de Crédito

Simple blue phone icon representing contact phone number+351 924 475 272
Simple black envelope icon representing email or mail.fernandosoares@xfin.pt
Smiling woman with long straight hair wearing a white floral lace short-sleeve top, a silver and gold watch on her left wrist, and a necklace with a small pendant, standing with her arms crossed.

Mónica Soares

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 938 300 517
Simple black envelope icon representing email or mail.monicasoares@xfin.pt
Smiling woman with shoulder-length brown hair wearing pearl earrings, a green blazer over a white lace-trimmed top, and a silver necklace and bracelet with spherical accents, arms crossed.

Rita Vilarinho

Gestora de Crédito

Simple blue phone icon representing contact phone number+351 917 031 694
Simple black envelope icon representing email or mail.ritavilarinho@xfin.pt
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O que pode esperar ao falar connosco

Clareza e transparência na gestão de crédito

Clareza Total

Explicamos de forma simples e transparente.

Tempo para decidir sobre soluções de crédito

Tempo para decidir

Sem pressão, sem decisões apressadas.

Apoio contínuo de um gestor de crédito

Apoio Contínuo

Acompanhamos cada etapa do processo.

Orientação personalizada para soluções de crédito

Orientação Personalizada

Cada situação é analisada de forma individual.

Confiança durante o processo de crédito

Confiança no Processo

Decide sempre com informação completa.

Se faz sentido para si, o próximo passo é simples.

Deixe os seus dados e um especialista da Xfin – AP Crédito entrará em contacto consigo para analisar o seu caso, sem compromisso.

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