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Who we are

Team and methodology

We combine strategic vision with a practical, collaborative approach, so that our solutions are technically sound, implementable and sustainable.

Photo of Henrique Cruz

Partner Consultant

Henrique Cruz

More than 30 years of experience (20 years in C-Level positions) in investment management, development banking, private equity and SME financing.

RQPONING and its partner consultant Henrique Cruz have a vast and proven track record in projects related to the regulation of investment management for social security funds and pension institutions.

  • 1999–2013 Executive Vice-President of the Social Security Capitalization Fund Management Institute (Instituto de Gestão de Fundos de Capitalização da Segurança Social), managing entity of the Social Security Reserve Fund in Portugal.
  • 2005–2007 Member of the Technical Committee on Investments and Actuarial Studies of the International Social Security Association (ISSA).
  • 2014–2015 Executive Director of a venture capital firm.
  • Since 2015 Trainer at the ILO International Training Centre in Turin on the implementation of ISSA guidelines.
  • 2017–2020 CEO of the Portuguese Development Financial Institution (Instituição Financeira de Desenvolvimento).
  • 2021–2024 CEO of Norgarante, the largest credit guarantee society in Portugal, and Non-Executive Director of Agrogarante, dedicated to the primary sector.
Photo of Gustavo Lopes da Silva

Senior Consultant

Gustavo Lopes da Silva

More than 20 years in top management consulting, 5 of them as a Roland Berger Partner in Madrid, having started at Andersen Consulting and worked at Kearney. Career focus on corporate strategy, turnaround, PMI and PMO.

Senior consultants

In addition to partner Henrique Cruz, RQPONING engages senior consultants with academic and professional qualifications in Economics, Finance, Law, Actuarial Science, and Management.

We combine strategic vision with a collaborative approach, ensuring that the proposed solutions are not only technically sound, but also implementable and sustainable.

How we work

Our methodology

  1. Detailed diagnosis

    In-depth analysis of the current status, legal frameworks and existing practices.

  2. Customized solutions

    Tailored recommendations and regulatory document drafting.

  3. Capacity building

    Team training to ensure autonomy and operational mastery.

  4. Follow-up and support

    Ongoing assistance in implementation and monitoring.

Shall we talk about your challenge?

Talk to us about investment, governance or financing: we analyse your situation and propose a tailored solution.

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