Ricardo Martin Manjon

Observer
DISC Type : ci

Chief Data & AI Officer at Santander

Madrid, Community of Madrid, Spain

Overview

Ricardo Martin Manjon is a seasoned data and AI executive, currently leading Santander Groups strategy as Chief Data & AI Officer. His career includes pivotal roles at BBVA, where he drove the transformation towards a data-driven company, and Nordea. He holds a Global Executive MBA from Columbia Business School and a Ph. D. in Quantitative Economics.

He is passionate about leveraging technology to redefine banking and has a strong background in digital transformation and data science innovation. Ricardos focus lies in scaling data and AI capabilities across global organizations to create tangible business value and enhance customer experiences, viewing data as a critical asset for tailoring financial advice.

Before his corporate career, Ricardo founded a fintech startup specializing in financial analysis, which was later acquired by BBVA.

Personality Overview

Assertive

Example Seeker

Value Driven

They are generally strong communicators and are not easy to convince.  They often ask many questions and rely heavily on information and documentation. They can sound friendly and charming but can quickly change gears to become inquisitive and probing.

Topics They Care About

AI in Financial Services
As Chief Data & AI Officer at Santander, he is actively implementing an "AI-first" strategy and has previously led major data and AI initiatives at BBVA.
Digital Transformation
He has extensive experience leading digital strategy and transformation for major European banks, including Nordea and a near decade-long tenure at BBVA in similar roles.
Data-Driven Strategy
He has publicly stated his focus is on integrating data into business at all levels to make the bank a truly global digital player and improve customer financial health.

Media Appearances

Ricardo has no verified media appearances

Work History

3-2025
Chief Data & AI Officer at Santander
4-2019 - 3-2025
Group Head of Data & AI at BBVA
9-2017 - 4-2019
Global Head of Data Strategy & Data Science Innovation at BBVA
5-2016 - 9-2017
Group Head of Digital Banking at Nordea
2-2013 - 4-2016
Head of Digital Transformation at BBVA

Education

2012 - 2014
Global Executive MBA from Columbia Business School
2015 - 2015
Certified SAFe Agilist from Scaled Agile Academy

More Information

Social Presence :

Prographics :

Exp : 28 Location : Madrid, Community of Madrid, Spain Job Level : Leadership Designation : Chief Data & AI Officer at Santander
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Insights For Selling To Ricardo

During A Call Or A Meeting

DO's

  • Persuade objectively how your product will help them achieve their goals
  • Help them understand the risk aspect fully while inspiring confidence
  • Help them realize that there is no personal risk in making this decision

DONT's

  • Don’t try to rush them into a decision, provide all necessary information first
  • Don’t brush off any concerns, take all questions seriously
  • Avoid making offhand commitments

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Ricardo is

  • Clear proof of product value matters to them, followed by others' testimonials and rapport.
  • Will you ever get a clear answer from Ricardo

  • They are practical yet friendly, don’t expect a clear no very often.

Insights For Deal Planning

    How fast (or slow) will Ricardo move?

  • They like to analyze well and then make their decisions.
  • Can Ricardo take some risk or not?

  • They systematically evaluate all decisions and are unlikely to take many risks.

You And Ricardo

Personality Compatibility


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