10/19/2026 updated

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Commercial Leader and Entrepreneur · sales leadership, financial modelling, AI automation · Lisbon

Lisbon, Portugal
Only remote
M.Sc. Corporate Management & Economics, final grade 1.1, Zeppelin University Friedrichshafen
Lisbon, Portugal
Only remote
M.Sc. Corporate Management & Economics, final grade 1.1, Zeppelin University Friedrichshafen

Profile attachments

3101-CV_Jose_Torspecken_Lobo_de_Miranda_EN.pdf

About me

Co-founded a fintech financial-advisory firm in 2023 and ran its business management, marketing and sales: built its sales funnel, digital marketing, financial tools and a team of over 20 people, and closed over EUR 47 million in contract value personally.

Adobe After EffectsAdobe PhotoshopAdobe Premiere ProData AnalysisCall CentersCold CallingContent MarketingDigital MarketingSalesFinancial ModelingSearch Engine OptimizationPython (Programming Language)Lead GenerationNegotiationSales ManagementPrompt EngineeringSales RecruitingVba Programming LanguageCopywritingHubspot
Leadership
Business management, team building, sales coaching, process design, financial planning.

Sales
High-ticket sales across all funnel stages: phone consulting, appointment setting, video consultations and closing; B2B commercial negotiations with insurers, agencies and investors.

Digital marketing
Paid advertising on Meta, LinkedIn and Google, SEO, organic social media, lead generation, e-mail marketing, HubSpot CRM.

Financial modelling
Financial models and sales tools in Excel and VBA, risk analysis.

Sustainable technology and carbon economics
Cost and emissions modelling, circular economy, carbon pricing, energy markets.

AI automation
Agentic workflows and AI tools on LLM APIs and agent SDKs, MCP integrations, prompt engineering, local open-source models, AI-assisted lead qualification and outreach automation.

Experience

Professional experience5 - 10 years
Freelancer since2022

Languages

GermanNative speakerEnglishFluentPortugueseNative speakerSpanishGood

Project history

Independent Sales Partner

CPX Immocom GmbH
Sold over EUR 1 million of investment property in two months, 11/2025 – 12/2025, powered by self-built portfolio software.

Independent Sales Consultant

ZFA GmbH – Zentrum für finanzielle Aufklärung, Monheim am Rhein
Managed end-to-end sales of financial products, personally closing over EUR 3 million in contract value in the strongest month.
Over 1,100 pension, insurance and investment contracts closed since 2023.

Co-founder and Managing Director

WOTRES GmbH, Grünwald (Munich)
Took the proptech company from idea to market launch: brand, video, website, lead funnel, CRM and investment calculator; sourced and steered all B2B agency partnerships.
Developed advanced real-estate portfolio modelling software using Excel and AI-assisted development tools.
Developed the business case and secured initial investor financing for the company's build-up and market launch.

Co-founder and Managing Partner

ZFA GmbH – Zentrum für finanzielle Aufklärung, Monheim am Rhein
Co-led company strategy and operations, overseeing finance, recruitment, product development and B2B commission negotiations with insurers; the firm reached seven-figure annual revenue.
Built and coached a sales and operations team of over 20 and steered an external call centre.
Engineered the entire sales funnel from first ad to signed contract: targeting, lead qualification, phone and video consultations, sales scripts and HubSpot pipelines.
Owned the marketing function (CMO role): built and ran paid advertising on Meta, LinkedIn and Google, managing a yearly ad spend of over EUR 300,000.
Developed the firm's financial tools, including a pension and insurance comparison engine in Excel and VBA covering dozens of insurers and tariffs, used by the entire sales team.

Self-employed Financial Consultant

Deutsche Investitions- und Förderberatung AG, formerly DIW
Advised private clients on pensions and insurance all the way to signature and brokered over 190 contracts, over EUR 8 million in contract value.

Secondary School Teacher

Privatschule Carpe Diem, Willich
Taught languages and mathematics in years 5 to 10; conceptualised, wrote and graded the exams.
Overhauled and automated the school's exam creation process.

Co-founder, Event Catering

JoTiPa Catering UG, Krailling near Munich
Co-founded and ran an event-catering business with two fellow students: affordable, sustainable, high-quality catering built to scale.

Product Development Intern

ALPLA Werke Alwin Lehner GmbH & Co KG, Hard, Austria
Led the creation of the ALPLA NOW refill system for cleaning concentrates in the TeamX innovation unit; presented in 2020, special mention at the German Design Award 2022.

Teaching Assistant

Zeppelin University, Friedrichshafen
Wrote course summaries, ran group seminars and coached fellow students one to one.

Private Tutor

Private tutoring
Tutored school and university students in mathematics, languages, sciences and economics.

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