NPL Advisory

About Debitos: Debitos is the leading secondary debt marketplace which enables companies, banks and funds to sell their credit exposures on the market through its open and transparent auction-based online transaction platform. The platform leverages on the digitalization of the entire sale process and can reduce the expected disposal timing to 3-8 weeks compared to 3-6 months of the traditional process. Debitos was founded in Frankfurt in 2010 and has since concluded more than 300 online transactions in 16 countries, with accumulated total Outstanding Balance of more than €8bn. By now, more than 1.700 investors from all over Europe have registered with Debitos.

• Portfolio Advisory in both buy- and sell-side of NPL and REO assets for Banks and International Investment Funds - full process management and advice from inception of the deal through to completion (pricing and portfolio performance analytics, identification of selected interested buyer group, deal structuring and negotiation, financial due-diligence, valuation & financial modelling, business plan projections, SPA negotiation and closing)
• Responsible for the Master Servicing Business Line offered to Funds and International Investors, with limited or no resources in the Spanish geography. Reporting definition and development, day-to-day KPI monitoring, advisory on the national servicer landscape, management of the servicer's internal teams of Portfolio Managers, associates and analysts, etc.
• Business Development and source of new investment opportunities for different clients

• Permanent Member of the Executive Management Team and responsible for the investment in debt portfolios (NPLs) held by Banks and Financial Institutions of different asset classes with extensive track-record over 30 Non-Performing Loan unsecured mid-size transactions (EUR 3,2BN OB)
• Complete transversal coordination of the portfolio acquisition process, including analysis and pricing of portfolios, due-diligence, Investment Committee Memo preparation, SPA negotiation and closing, onboarding and post-acquisition activities, etc.
• Management of multidisciplinary teams among all the acquisition process (internal analysts, asset management companies, law firms, financial advisors, etc.)
• Development and management of key relationships with business partners, investors and loan servicing companies in various countries, managing information and client communications. Key account manager for Grupo Santander across the Hoist Group
• Development of new asset classes and geographies for the iberian business
• M&A targeting for inorganic growth (collection platforms, etc.)
• Deputy collection manager for the internal collection team (EUR 2BN of AUMs) as well as backup for new projects

• Led the outsourcing project of the Legal Collection's structure of Santander Consumer Bank in terms of late collection processes (aprox. EUR 800MM OB NPL stock)
• Definition of new collection strategies with direct P&L impact and their implementation trough external DCAs
• Responsible for the selection, assessment and monitoring of portfolios for distressed debt sale operations (NPL disposals), including financial modelling, increasing sale prices and reaching overall process efficiencies
• Activity analysis (financial and operational) of top debt collection agencies to identify and improve the collections management and optimize cash-collection
• Portfolio segmentation of unsecured debt portfolios improving the collection results, programming and managing of local data-ware-houses (DWH) for internal management as well as KPI monitoring
• Establishment and tracking of KPI's as management tool for external providers