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With over 20 years of experience in the financial sector, my specialization has focused on the analysis and management of leasing, renting, and corporate loan operations, covering everything from commercial management to asset recovery, credit risk assessment, and negotiation in pre-insolvency proceedings and bankruptcy cases.
My profile combines solid financial training with a proven professional background in balance sheet analysis, liquidity evaluation, cash flow assessment, and solvency ratio analysis, enabling me to make strategic decisions with a realistic, results-oriented approach.
Areas of Expertise:
- Credit Risk Assessment: Pre-financial analysis of clients and preparation of operations, ensuring a 100% approval rate for cases submitted to credit departments.
- Asset Recovery and Remarketing: Proven experience in the recovery of vehicles, machinery, and real estate assets, management of defaults and insolvency cases, debt negotiation, and restructuring.
- Advanced Financial Training: Certified in Financial Management, with a focus on solvency, treasury, financial decision-making, and credit risk assessment.
- Expert Excel for Finance: Expert in tools such as pivot tables, financial analysis models, and custom reporting for financial control and performance evaluation.
- Team Leadership and Coordination: Leadership of both internal and external teams, including coordination with legal firms to implement effective recovery and collection strategies.
- Comprehensive Management of the Renting Operational Cycle: From lead generation to vehicle delivery and contract termination, including consultancy for sector operators, coordination with dealerships, and delivery tracking.
- Digital Marketing Focused on Renting: Management of targeted campaigns through Google Ads, social media, and CRM systems to attract clients in both SME and individual customer segments.
Throughout my career, I have worked with institutions such as DLL (Rabobank), Société Générale Equipment Finance, Banco Santander, BNP Group (Promoleasing), and as an independent consultant, gaining a comprehensive vision of the financial services and vehicle renting sector in Spain.
My professional approach is solution-oriented, focused on operational efficiency and value creation, with a high level of adaptability to different environments and client profiles, both national and international.
Professional Specialization
Specialist in Fleet Renting for Companies and Individuals
🔹 I am passionate about providing my clients with clear and detailed information regarding the available renting options, the financial and tax benefits, and how renting can be tailored to suit their specific needs.
🔹 I negotiate the terms and conditions of the contracts, including lease duration, monthly payments, down payment, insurance, and other important details.
🔹 I identify and contact potential clients interested in renting services through cold prospecting, online marketing, and website positioning for Renting Partner, including Google Ads and social media publications.
🔹 I follow up on business opportunities, maintain detailed records of client interactions in CRM, and manage the entire sales process.
🔹 I stay up to date on market trends and regulations related to renting, as well as the competition’s offerings and products.
🔹 I collaborate with internal departments (Finance, Customer Service, etc.) to ensure that agreements are met and the proper services are provided to clients.
🔹 Before any file is passed on to the credit department, I carry out a preliminary assessment to avoid wasting time for both the client and the provider.
Credit Problem Solving
What can you do when you’re not getting paid?
🔸 I conduct a thorough analysis of the debtor’s financial situation: income, expenses, outstanding debts, balance sheets, and profit and loss statements, to establish the solvency and prioritize actions.
🔸 I identify the most critical or urgent debts, especially those at risk of default or requiring provisioning.
🔸 I negotiate structured payment agreements with debtors, specifying how the debt will be repaid over time and monitoring compliance with that agreement.
🔸 During negotiations, I often offer financial education to the debtor to help them manage their finances better, improve their relationship with financial institutions, and prevent future issues.
🔸 In secured operations, I aim to locate, appraise, and recover collateral assets, either by agreement or as part of a strategy based on a detailed solvency study.
🔸 In judicial processes, I assist lawyers in locating debtors and guarantors, and help negotiate even during litigation phases, to avoid the asset’s depreciation and accelerate procedures such as notifications and settlements.
Appraisal of Financed Assets
🔹 Locating certain collateral is key—especially movable assets—and this may require travel and investigation. In the case of real estate, I assess location, occupancy status, and marketability to help
the creditor make informed decisions.
🔹 Collateral varies: real estate, vehicles, inventory, receivables, stocks, bonds, or other tangible or financial instruments. The type of asset defines the valuation approach, and it’s vital to prioritize based on recoverability and risk.
🔹 If needed, I turn to independent certified appraisers for complex assets to ensure impartial and reliable valuation, even if it implies a small cost.
🔹 I always consider asset condition, as it directly affects market value. A well-maintained building, for example, will always command a higher price than one in poor condition.
🔹 The value of the collateral must cover the total loan, interest, and costs in case of default. The Loan-to-Value (LTV) ratio plays a key role, as the valuation at the time of negotiation will define the provisioning level and the amount left to recover.
🔹 In some cases, I recommend periodic updates of the asset value, especially in long-term contracts or in volatile markets.