Jorge Rui Barrios

Jorge Rui Da Silva Barrios

Product Manager @ PagoNxt | NOVA Member | Fintech | Payments · Madrid

I thrive at the intersection of technology, finance, and execution, helping companies turn vision into reality by making delivery a key enabler of success. With a deep focus on payments and core-banking, I specialize in building scalable, compliant, and high-performing financial infrastructures that empower businesses to grow.

Currently, I'm leading the delivery of next-generation payments products at PagoNxt, working with an exceptional team to redefine the financial sector through disruptive solutions in core-banking and payments. From ledger and accounts systems to global payment rails, I ensure that execution is not just about delivering, but about driving business success.

Reach me at LinkedIn · jorgedasilva.n98@gmail.com

Work Experience

PagoNxt
PagoNxt (a Santander company)
  • 2022 — Present
    Now
    Core-Banking & Payments Product Manager

    Responsible for defining, improving, and managing core-banking and payments capabilities, including ledger & accounts systems, operations management, payment rails (SWIFT, SEPA, SEPA INST, T2, CHAPS, PIX, China), client integration channels, and payment orchestration. Leading 4 squads of developers and engineers.

  • 2021
    Project Delivery Manager

    Cross-project management in Santander Group's strategic initiative for payment services. Implemented projects in Risks & Compliance, direct & indirect access to domestic clearing houses in Eurozone & Great Britain, and EMI enablement across three geographies.

Banco Santander
Banco Santander
  • 2020 — 2021
    Digital Project Manager

    Digital Transformation Analyst working on projects related to PagoNxt (Trade & Payments), Developer Hub, Common APIs, and COVID-19 response initiatives.

  • 2019 — 2020
    Santander Digital Project Assistant

    Selected for the "Talent STEM generation" program. Worked in corporate innovation and digital transformation division, learning project management, agile methodology, and global solutions.

Education

Universidad Europea

Degree in Business Management

Universidad Europea

2016 — 2022
Universidad Europea

Degree in Computer Science Engineering

Universidad Europea

2016 — 2020

Skills & Languages

Core Competencies

PaymentsSWIFT MessagingISO 20022Core-BankingProduct ManagementPayment Rails

Languages

SpanishNative
EnglishBilingual

Awards & Recognition

Top Outstanding People (TOP) Program

Beca/Scholarship

Beca de Excelencia

Excellence Scholarship

Global Management Challenge España 2018

Diploma de participación

SummerCamp del Gran Consumo

III edición - Diploma de participación

Communities

NOVA

NOVA

Member

2020 — Present

Global top-talent network connecting high potentials (global top 3% of each sector) amongst themselves and with the best career opportunities.

Projects

View all

Ledger-dev

Statement Parser

2024

A fully local statement parser for parsing bank statements in MT940, MT942, MT950 formats and Spanish Norma 43. Built for privacy-first financial data processing.

Open SourcePaymentsData Parsing

Rebank

Personal Finance Management App

2020

A complete fintech application developed as my final degree project, focusing on user experience and leveraging PSD2 regulations for multi-entity bank aggregation. Provides a 360-degree view of personal finances with modern features including budget management, transaction categorization, income and expense analysis, and robust security measures.

FintechPSD2Academic Project

CardioGrapic

Java/JavaFX Application

2021

A two-quarter project developed from scratch in Java using JavaFX. Features include SQLite and MySQL database implementation, Arduino signal acquisition, algorithm implementation (QuickSort, BinarySearch, complexity analysis), design patterns (Singleton, MVC), concurrency, and software engineering practices with agile methodologies (Scrum, KanBan). Selected for the Best Project Award at the Faculty of Architecture, Engineering and Design of Universidad Europea de Madrid (Premios PEBES).

JavaAcademic ProjectAward Winner
Jorge Rui Barrios
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