Gunther Haltermann hernandez
Country Director Spain
Experience
May 2022 - Present
3 years 3 monthsMadrid, Spain
Country Director Spain
Debitos GmbH
- Advisory and support to banks, international funds, financial entities, and loan servicers for disposing of their NPL/REO portfolios in the secondary market.
- Development of the business in Spain, including recruitment, budgeting, and planning with industry-related knowledge.
- Establishing objectives and conducting market research and analysis to identify business and client opportunities.
Aug 2021 - May 2022
10 monthsMadrid, Spain
NPL Director
Ahora Asset Management S.L.
- 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 assets under management (AuM), overseeing recovery processes from onboarding to liquidation.
- Responsibility over portfolio business plans and achievements, with weekly reporting to investment funds.
- Coordination of legal advisors and other key servicing team members.
- Focused on new business opportunities through strategic advisory.
Feb 2020 - Aug 2021
1 year 7 monthsMadrid, Spain
Manager – Strategy & Transactions
Ernst & Young Servicios Corporativos S.L.
- Strategic advice on loan portfolio transactions, including buy-side and sell-side of NPL and REO assets for banks and international investment funds.
- Comprehensive process management from deal inception to closing (pricing, analytics, deal structuring, financial due diligence, valuation, financial modelling, business plan projections, SPA negotiation).
- Advisory on deleveraging strategies to maximize value, from strategy development to implementation.
- Responsible for the Master Servicing Business Line for funds and investors, including reporting setup, KPI monitoring, and management advisory.
- Business development, identifying new investment opportunities.
Jun 2019 - Dec 2019
7 monthsMadrid, Spain
Senior International NPL Manager
Altamira Asset Management S.A.
- Business expansion in Cyprus, managing NPL teams handling approximately €10 billion of assets under management with 220 FTEs.
- Designed and implemented activity, financial, and quality KPIs to manage collection activities.
Feb 2018 - Jun 2019
1 year 5 monthsMadrid, Spain
Head of Sales & Investments
Hoist Finance Spain S.L.
- Executive Management Team member responsible for investing in NPL portfolios held by banks and financial institutions; achieved extensive track records across more than 30 transactions (€3.2 billion outstanding balance).
- Transversal coordination of NPL acquisition processes including analysis, pricing, due diligence, memo preparation, SPA negotiation, onboarding, and post-acquisition activities.
- Managed multidisciplinary teams (internal analysts, asset management firms, law firms, financial advisors).
- Developed relationships with business partners, investors, and loan servicing firms; managed Grupo Santander key accounts.
- Deputy collection manager overseeing internal collection team activities (€3 billion AUM).
Sep 2014 - Feb 2018
3 years 6 monthsMadrid, Spain
Senior Portfolio Manager
Santander Consumer Finance HQ, Santander Group
- Permanent member of the Collection's Steering Committee at HQ level, evaluating collection performance and providing strategic guidance.
- Managed projects and objectives in 11 geographies (€20 billion AUM).
- Supervised internal call centers managing early arrears (1–60 days past due) with around €100 million monthly AUMs.
- Controlled auto retail, wholesale, and fleet portfolios across all collection stages to optimize provisioning and reduce P&L impact.
- Supported NPL sale transactions, conducting data analysis, perimeter selection, internal monitoring, benchmarking, due diligence, and SPA design.
- Coordinated activities related to IFRS9 implementation.
Aug 2012 - Sep 2014
2 years 2 monthsMönchengladbach, Germany
Project Manager Legal Collections
Santander Consumer Finance, Santander Group
- Led the outsourcing project for the legal collections structure of Santander Consumer Bank (€800 million NPL stock), enhancing cost/income ratio.
- Defined strategies and resized collection processes across stages.
- Managed and optimized distressed debt sale operations, including portfolio selection, financial modelling, and efficiency enhancement.
- Conducted activity analysis of top-tier debt collection agencies to identify and address gaps in collections management.
Sep 2011 - Aug 2012
1 yearMadrid, Spain
Collection’s associate
Santander Consumer Finance, Santander Group
Jan 2006 - Dec 2011
6 yearsBachelor's degree in Business Administration with focus on Financial Management
Universidad Complutense de Madrid
Jan 1991 - Dec 2005
15 yearsMadrid, Spain
Baccalaureate (German 'Abitur')
German School of Madrid
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. Speaks Spanish, English, German and French with a strong analytical mindset. 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.
Languages
Spanish
NativeGerman
AdvancedEnglish
AdvancedFrench
Advanced Education
Oct 2006 - Jun 2011
Universidad Complutense de Madrid
Bachelor's degree, focus on Financial Management · Business Administration, Financial Management · Madrid, Spain
Oct 1991 - Jun 2005
German School of Madrid
Baccalaureate (German “Abitur”) · Madrid, Spain
Certifications & licenses
C2 English Proficiency Certificate
C2 German Proficiency Certificate
Goethe-Certificate C2: Zentr. Oberstufenprüfung ZOP
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