Gunther Haltermann Hernández - Country Director Spain

Q: Where is Gunther based?

Gunther is based in Madrid, Spain and can operate in on-site , hybrid , and remote work models.

Q: What languages does Gunther speak?

Gunther speaks the following languages: Spanish (Native), German (Advanced), English (Advanced), French (Advanced) .

Q: How many years of experience does Gunther have?

Gunther has at least 14 years of experience. During this time, Gunther has worked in at least 8 different roles and for 7 different companies . The average length of individual experience is 2 years and 9 months . Note that Gunther may not have shared all experience and actually has more experience.

Q: What is Gunther's latest experience?

Gunther's most recent position is Country Director Spain at Debitos GmbH .

Q: What companies has Gunther worked for in recent years?

In recent years, Gunther has worked for Debitos GmbH , Ahora Asset Management S.L. , and Ernst & Young Servicios Corporativos S.L. .

Q: Which industries is Gunther most experienced in?

Gunther is most experienced in industries like Banking and Finance and Professional Services .

Q: Which business areas is Gunther most experienced in?

Gunther is most experienced in business areas like Finance , Project Management , and Strategy and Planning . Gunther also has some experience in Sales , Investments, M&A & Venture Capital , and Legal and Compliance .

Q: Which industries has Gunther worked in recently?

Gunther has recently worked in industries like Banking and Finance and Professional Services .

Q: Which business areas has Gunther worked in recently?

Gunther has recently worked in business areas like Strategy and Planning , Sales , Investments, and M&A & Venture Capital .

Recommended expert

Madrid, Spain

Experience

May 2022 - Present

3 years 10 months

Madrid, Spain

Country Director Spain

Debitos GmbH

Transversal advisory and support to banks, international funds, financial entities and loan servicers for the disposal of their NPL/REO portfolios in the secondary market
Global expansion for the development of the business in Spain, including recruitment, budgeting and planning, with industry-related knowledge
Responsible for establishing objectives, conducting market research and analysis to find business and client opportunities

Aug 2021 - May 2022

10 months

Madrid, Spain

NPL Director

Ahora Asset Management S.L.

Within the management team, responsible for the management of Spanish NPL & REO portfolios for funds and international investors within the company, leading teams of asset, legal and sales managers
Identification of value-added strategies for the AuM, managing all the recovery process from onboarding to liquidation
Responsible for business plans of the portfolios and its achievement, with weekly reporting to the investment funds
Day to day coordination of legal advisors and other key members within the servicing team
Focus on new business opportunities (strategic advisory)

Feb 2020 - Aug 2021

1 year 7 months

Madrid, Spain

Manager – Strategy & Transactions

Ernst & Young Servicios Corporativos S.L.

Strategic advice on loan portfolio transactions, including buy- and sell-side of NPL and REO assets for banks and international investment funds
Complete process management from inception of the deal through to completion (pricing and portfolio performance analytics, identification of buyer group, deal structuring and negotiation, financial due diligence, valuation & financial modelling, business plan projections, SPA negotiation and closing)
Strategic advisory in all phases of the deleveraging process from strategy development to implementation and value maximization
Responsible for the master servicing business line offered to funds and international investors, including reporting definition and development, KPI monitoring, advisory on the national servicer landscape and management of internal teams of portfolio managers, associates and analysts
Business development and source of new investment opportunities for different clients

Jun 2019 - Dec 2019

7 months

Madrid, Spain

Senior International NPL Manager

Altamira Asset Management S.A.

Business expansion in Cyprus through coordination and support of the NPL management teams of the Cypriot international business line (approx. EUR 10 bn AuM, 220 FTEs)
Design and implementation of activity, financial and quality KPIs to manage collection activities

Feb 2018 - Jun 2019

1 year 5 months

Madrid, Spain

Head of Sales & Investments

Hoist Finance Spain S.L.

Member of the executive management team, responsible for investment in debt portfolios held by banks and financial institutions, executing over 30 unsecured mid-size NPL transactions (EUR 3.2 bn OB)
Complete transversal coordination of the portfolio acquisition process, including analysis and pricing, due diligence, investment committee memo preparation, SPA negotiation and closing, onboarding and post-acquisition activities
Management of multidisciplinary teams across the acquisition process (internal analysts, asset management companies, law firms, financial advisors and service providers)
Development and management of key relationships with business partners, investors and loan servicing companies across various countries
Key account manager for Grupo Santander across the Hoist Group
Deputy collection manager for the internal collection team (€3 bn AuM) and backup for new projects

Sep 2014 - Feb 2018

3 years 6 months

Madrid, Spain

Senior Portfolio Manager

Santander Consumer Finance HQ, Santander Group

Permanent member of the collection's steering committee at headquarters, responsible for challenging collection performance (advisory on guidelines and budgets, support to local heads, monthly results review, best practice sharing, project definition and steering)
Team management by objectives and projects across 11 geographies (€20 bn AuM)
Monitoring and steering of two internal call centers for early arrears management (1–60 dpd) with approx. €100 m monthly AuM
Supervision and control of auto retail, wholesale and fleet portfolios across all collection stages, estimating behavior and identifying concerns, improving P&L and reducing loan loss provisions
Transaction support in NPL sale processes of unsecured portfolios (analysis, perimeter selection, data cleansing, monitoring, benchmarking, price estimation, coordination with advisors, SPA clause design, due diligence) to maximize revenue and mitigate risks
Coordination with the risk division for IFRS 9 implementation and activity tracking

Aug 2012 - Sep 2014

2 years 2 months

Mönchengladbach, Germany

Project Manager Legal Collections

Santander Consumer Finance, Santander Group

Led the outsourcing project of the legal collections structure for Santander Consumer Bank (€800 m OB NPL stock), improving cost/income ratio
Defined new strategies and resized collection processes across different stages
Responsible for selection, assessment and monitoring of portfolios for distressed debt sales, including financial modelling, sale price improvement and process efficiency
Conducted activity analysis of top-tier debt collection agencies to identify gaps and optimize collections management and cash collection
Head of reporting for the portfolio business unit

Sep 2011 - Aug 2012

1 year

Madrid, Spain

Collection’s Associate

Santander Consumer Finance, Santander Group

Industries Experience

See where this freelancer has spent most of their professional time. Longer bars indicate deeper hands-on experience, while shorter ones reflect targeted or project-based work.

Experienced in Banking and Finance (13 years) and Professional Services (1.5 years).

Banking and Finance

Professional Services

Business Areas Experience

The graph below provides a cumulative view of the freelancer's experience across multiple business areas, calculated from completed and active engagements. It highlights the areas where the freelancer has most frequently contributed to planning, execution, and delivery of business outcomes.

Experienced in Finance (7.5 years), Project Management (7 years), Strategy (6 years), Sales (5 years), Investments and M&A (3.5 years), and Legal (2 years).

Finance

Project Management

Strategy

Sales

Investments and M&A

Legal

Summary

Experienced banking and financial services professional with a demonstrated international record in the consumer finance industry with more than 13 years’ experience. Combination of deep industry knowledge and transaction experience with skills in Debt Collection & Recoveries, Portfolio Management, NPL&REO Transactions, Valuations, Operations Management, Credit Management and Banking. Major expert of the Spanish non-performing loan market with a specific focus in distressed loans. Proactive, flexible, open-minded, execution orientated, team player, able to work under pressure and face new challenges. Strong leadership and experience in managing a brand and a team.

Skills

Ability To Interact With Teams And Client Stakeholders At All Hierarchical Levels
Excellent Interpersonal Skills And Ability To Work Effectively Within A Team With Diverse Backgrounds And Experiences
Strong Stakeholder, Negotiation And Relationship Management Skills
Fast Learning Abilities
Well-developed Analytical Skills To Extract Information From Data And Translate To Business Language & Financial Impacts
Excellent Business Acumen And Commercial Awareness
Strong Communication Skills Focused On Results And Analytical Reasoning
High Organizational Skills, Self-monitoring And Adaptability For Teamwork
Good Organizational And Time Management Skills With The Ability To Prioritize And Complete Tasks Under Tight Deadlines
Self-motivated, Results-driven, Entrepreneurial And Proactive With Exceptional Quality Standards
Demonstrated Business Judgment, Leadership And Management Skills
Expert Level Of Sas Base
User Level Of Alteryx
Expert Level Of Microsoft Office
Expert Level Of Microsoft Windows / Macintosh

Languages

Spanish

Native

German

Advanced

English

Advanced

French

Advanced

Education

Oct 2006 - Jun 2011

Universidad Complutense de Madrid

Bachelor's degree, Business Administration with focus on Financial Management · Business Administration · Madrid, Spain

Oct 1991 - Jun 2005

German School of Madrid

Baccalaureate (German “Abitur”) · Madrid, Spain

Certifications & licenses

C2 English Proficiency Certificate

EF SET Certificate

C2 German Proficiency Certificate

Goethe-Certificate C2: Zentr. Oberstufenprüfung ZOP

Profile

Created

January 2024

Last Update

November 2025

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Frequently asked questions

Do you have questions? Here you can find further information.

Where is Gunther based?

Gunther is based in Madrid, Spain and can operate in on-site, hybrid, and remote work models.

What languages does Gunther speak?

Gunther speaks the following languages: Spanish (Native), German (Advanced), English (Advanced), French (Advanced).

How many years of experience does Gunther have?

Gunther has at least 14 years of experience. During this time, Gunther has worked in at least 8 different roles and for 7 different companies. The average length of individual experience is 2 years and 9 months. Note that Gunther may not have shared all experience and actually has more experience.

What roles would Gunther be best suited for?

Based on recent experience, Gunther would be well-suited for roles such as: Country Director Spain, NPL Director, Manager – Strategy & Transactions.

What is Gunther's latest experience?

Gunther's most recent position is Country Director Spain at Debitos GmbH.

What companies has Gunther worked for in recent years?

In recent years, Gunther has worked for Debitos GmbH, Ahora Asset Management S.L., and Ernst & Young Servicios Corporativos S.L..

Which industries is Gunther most experienced in?

Gunther is most experienced in industries like Banking and Finance and Professional Services.

Which business areas is Gunther most experienced in?

Gunther is most experienced in business areas like Finance, Project Management, and Strategy and Planning. Gunther also has some experience in Sales, Investments, M&A & Venture Capital, and Legal and Compliance.

Which industries has Gunther worked in recently?

Gunther has recently worked in industries like Banking and Finance and Professional Services.

Which business areas has Gunther worked in recently?

Gunther has recently worked in business areas like Strategy and Planning, Sales, Investments, and M&A & Venture Capital.

What is Gunther's education?

Gunther holds a Bachelor in Business Administration from Universidad Complutense de Madrid.

Does Gunther have any certificates?

Gunther has 2 certificates. These include: C2 English Proficiency Certificate and C2 German Proficiency Certificate.

What is the availability of Gunther?

Gunther is immediately available full-time for suitable projects.

What is the rate of Gunther?

Gunther's rate depends on the specific project requirements. Please use the Meet button on the profile to schedule a meeting and discuss the details.