Simone Marçal is an executive at the intersection of digital products, technology, data, and people, leading solutions that blend innovation, user experience, and real-world impact. With a well-established track record in fintech, payments, and regulated environments, she is recognized for driving digital experiences, complex integrations, and user-centered strategies.
At RecargaPay, she leads the Biz Dev Products team, advancing the company's mission to deliver the best payment experience in Brazil. Her work bridges APIs, applied AI, and intelligent multichannel experiences—across interfaces such as apps, chatbots, and autonomous agents—combined with regulatory architecture (SCFI, IP, SCD) to scale accessible, compliant, and human-centered solutions.
A serial entrepreneur, Simone co-founded and served as Chief Product Officer at FrontPay and TecleTaxi, both of which achieved successful exits following international investment rounds. She also founded Blume Design, where she led digital transformation projects for organizations such as Microsoft, Citibank, Mercedes-Benz, J.Safra, GPA, and the Government of the State of São Paulo.
She currently serves as Head of Product & Development at the Women Leaders in Fintech network and actively contributes to thought leadership on cryptocurrencies, tokenization, blockchain, Web3, APIs, and high-impact innovation that addresses real human needs.
She holds a postgraduate degree in Marketing from ESPM and a bachelor’s degree in Digital Design from Universidade Anhembi Morumbi (Laureate International Universities). A former guest lecturer at FGV-SP, Simone is a frequent voice in discussions about the future of digital products, tech leadership, and the strategic use of data to create value.