You're seeing this page as if you were . The main menu is still yours, though. Exit from immersion
Malt Strategy
New report
Malt Tech Trends 2026
Rafaela Da SilvaRD

Rafaela Da Silva

Business Analyst | Finance & AI Consulting

€200/day
Estoril, PT
3-7 years
Business analysis
Business requirements
Stakeholder management
Regulatory change delivery
AI Automation / Make.com

Average response time: 1 hour

About Rafaela

I help businesses turn unclear requirements into working solutions, bridging the gap between what's needed and what technology can deliver.

I bring almost 19 years of experience in banking and finance: financial consolidation and regulatory reporting at Novo Banco, business analysis for Barclays via Maksen, and product management at Citibank. I've consistently been the person chosen to translate between business and technical teams.

More recently, I founded and sold an e-commerce business, and since 2026 I run PHOCO, where I scope and deliver AI-assisted solutions for SME clients, combining deep financial expertise with hands-on experience using AI tools like Claude and Make.com.

I typically work on: business requirements gathering, process mapping, financial reporting and consolidation, and AI-assisted process automation.

Comfortable working independently, communicating with both business and technical stakeholders, and adapting to any project management approach.
Banking and Financial Services
E-commerce
Consulting and Audits
Digital and IT Services
Software Publishing

  • Portuguese

    Native or bilingual

  • English

    Fluent

Can work on-site
Estoril (up to 50km)

Experience

  • PHOCO — Technology & AI Solutions for Business
    Founder — Business & Technical Solutions
    TECH
    January 2026 - Today (7 months)
    Cascais, Portugal
    • · Scoping requirements and designing technical solutions for SME clients, translating business needs into functional specifcations.
    • · Founded PHOCO, a technology company delivering web and app development, AI-assisted automation, and e-commerce solutions for Portuguese SMEs.
    • · Leveraging 19 years of expertise in fnancial management and e-commerce to identify automation opportunities and design scalable, cost-effective digital solutions.
    • · Designing and developing full-stack web applications and platforms in Ruby on Rails, including custom business logic, user authentication, and data management systems.
    • · Rapid-prototyping client-facing web and app concepts using Lovable, enabling faster client validation before full development.
    • · Integrating AI tools and LLMs (OpenAI API, Claude) to support automation of business processes in fnance, accounting, and e-commerce operations.
    • · Building marketplace and system integrations (KuantoKusta, Amazon Europe, WooCommerce) to support multi-channel e-commerce operations.
    • · Managing a small team, overseeing task allocation and quality review.
    AI Automation / Make.com Stakeholder management Business analysis Business Requirements Process Improvement
  • Beauty & Cosmetics E-commerce Venture
    Founder & E‑commerce Manager (Beauty & Cosmetics)
    E-COMMERCE
    May 2017 - November 2025 (8 years and 6 months)
    Cascais, Portugal
    • · Developed SKU‑level fnancial models and dynamic pricing rules based on acquisition costs, logistics and Amazon fees (increasing average net margin per SKU).
    • · Managed omnichannel international sales across Amazon (Europe/global) and direct webstores, supervising procurement through last‑mile delivery.
    • · Led end‑to‑end fnancial operations— invoicing, bank reconciliations and cash‑fow management—ensuring high‑quality accounting data.
    • · Managed full P&L and operations through to a successful exit via sale of the business.
    • · Managed a small team supporting daily operations.
    E-commerce Marketplace Management Pricing strategy Financial Modeling Microsoft Excel
  • Novo Banco
    Financial Controller — Group Accounting & Consolidation
    BANKING AND INSURANCE
    February 2011 - December 2019 (8 years and 10 months)
    Lisbon, Portugal
    • · Consolidated fnancial data from Novo Banco group subsidiaries and associated companies to ensure data integrity and reporting readiness.
    • · Managed the monthly consolidation of Group NOVO BANCO's accounts.
    • · Analyzed intercompany transactions and led reconciliations.
    • · Developed monthly and quarterly internal reports, as well as consolidated reports for banking regulation and supervision authorities.
    • · Prepared the quarterly Statutory Report, including mandatory disclosures and notes to the fnancial statements.
    • · Oversaw IAS/IFRS implementation and enforcement across the Group, improving compliance and reducing accounting restatements/adjustments.
    • · Contributed to FINREP and intergroup transactions automation projects as a core business/stakeholder lead, supporting automation that reduced manual reconciliation time.
    Financial Controller Management Control Financial Consolidation Regulatory Reporting management accounting
Check out Rafaela's experience

Recommendations

Be the first to recommend Rafaela

Help this freelancer shine by sharing your experience working together.

These freelancer profiles also match your criteria

AgathaA

Agatha Frydrych

Backend Java Software Engineer

4.7

(3)

2

BaptisteB

Baptiste Duhen

Fullstack developer

4.6

(4)

5

AmedA

Amed Hamou

Senior Lead Developer

4

(2)

7

AudreyA

Audrey Champion

Web developer

4.3

(3)

4

Signup to reveal

Education

  • Master's Degree
    ISEG — Lisbon School of Economics and Management
    2006
    Master's Degree
  • AI Software Development
    Le Wagon
    2026
    AI Software Development

Categories