Rui Tomás Fonseca

Head of Network Products Europe @ Mastercard

Greater Madrid Metropolitan Area

About

Customer‑centric leader, board advisor, and creative builder with a startup spirit and a proven record of scaling fintech and retail ventures. I thrive at the intersection of Payments, Fintech, Retail, Loyalty, and Startups, consistently overperforming by combining strategic vision with hands‑on execution. My career spans from Big Five consulting to co‑founding and scaling a Spanish consumer finance company to 300+ people in just 18 months. Key highlights include: >> Board Advisor to multiple startups, guiding strategy, growth, and innovation. >> Led two major portfolio migrations impacting over 1M+ cards, ensuring seamless customer experience. >> Built and scaled a fintech BU that became the #1 digital wallet in Spain. >> Co‑created a Neobank, driving P&L impact, innovation, and customer value. >> Recognized for building strong, high‑performing teams and delivering customer‑first innovation that creates measurable business impact. Today, I’m passionate about supporting fintechs and growth‑stage companies (in the recent past as board advisor, helping them accelerate scale, strengthen governance, and unlock new opportunities in competitive markets).

Experience

  • Mastercard (Full-time · 10 yrs 4 mos)
    • Head of Network Products Europe
      Mar 2026 - Present · 4 mos

    • Network Products Strategy & GTM Europe
      Jul 2022 - Mar 2026 · 3 yrs 9 mos

    • Head Business Development
      Jan 2017 - Jan 2023 · 6 yrs 1 mo

  • Banque Accord (7 yrs)
    • Chief Innovation Officer
      Jul 2013 - Mar 2016 · 2 yrs 9 mos

      Responsible of promoting & managing the innovation process with the participation of all co-workers. Leader of B2B services offer. Sponsor of projects focused on payment solutions & new ways to improve Customer Experience. Automatric business unit Co-Founder & leader.

    • Chief Information Officer / Executivo Organizacion y Sistemas
      Apr 2009 - Jun 2013 · 4 yrs 3 mos

  • Head of Risk Management at Oney Portugal
    2008 - 2009 · 1 yr

  • Organizational Development Manager at Oney Portugal
    Jun 2005 - 2007 · 1 yr 8 mos

    Department leader for all CRM systems & ERP. Coordination of internal analysts & external consultants. PMO.

  • Consultant at Accenture
    2001 - 2005 · 4 yrs

    PMO Change Management eBanking Business Process