Jose Manuel holds a degree in Biomedical Engineering from the University of Informatics of Málaga and a Master’s degree in Big Data and Data Science from the International University of Valencia. He has worked in consulting, developing various machine learning projects and, since 2023, he has been part of the BBVA Group. As a Data Scientist, he has contributed to projects such as online advertising, recommender system action forecasting (i.e., predicting the next payment move), and dynamic pricing.