Thank you to everyone who joined us for our first FintechConnect event at Madrid, Spain!
Take a look at the event highlights in photos, and we look forward to seeing you in our future events!
FintechConnect SPAIN in photos
EVENT AGENDA
#1 PANEL DISCUSSION
17:00 - 17:45
Potential scenarios for regulation implementation. Lessons learnt from other EU markets.
Interest caps
Prolongation limits
Affordability rules
Santa Lemsa, Founder and CEO | Simpleros and RAA Consulting (formerly Chief Risk Officer at Robocash Group and Group Head of Data Science at 4Finance)
Ángela Aso Ferrer, Head of Legal & Compliance Officer & DPO | 4Finance
#2 PANEL DISCUSSION
17:45 - 18:10
Operational challenges: Credit risk assessment and loan portfolio management.
Interest caps
Credit scoring practices
Inhouse bad debt management practices
Usury law: How to defend against customers who are deliberately using the law to avoid paying interest rates.
Ernesto Del Puerto Carassus, CEO | Skiptraze
Eduardo Morales Heimlich, Country Manager Spain | Kreditz
Santa Lemsa, Founder & CEO | Simpleros & RAA Consulting (formerly Chief Risk Officer at Robocash Group and Group Head of Data Science at 4Finance)
#3 PANEL DISCUSSION
18:10 - 18:35
Maximizing returns on customer acquisition. Enhanced cooperation with affiliates and brokers.
Lead acquisition
Lead sales
Jose Miguel Martinez Besa, Country Manager Spain | DoAff
Abelardo Martinez, Head of Marketing | Plazo
Yogi Thadhani, Country Manager Spain | FIIZY
18:35 - 19:00
#4 PANEL DISCUSSION
Role of technology in launching and running operations.
Process automation and cost optimization
Time to market and costs
In-house IT vs. outsourced SaaS
Miguel Lopez De Luca, Country Manager Spain | BlueFinance
Julián Díaz-Santos Hernández, Co-founder and CEO | Unnax
María Sánchez, Director | Dineo Crédito
SPEAKERS
ÁNGELA ASO FERRER
Head of Legal & Compliance Officer & DPO | 4Finance
Ángela Aso Ferrer is a highly experienced legal and compliance professional with over two decades of expertise in the financial services sector. Currently serving as the Head of Legal & Compliance Officer and Data Protection Officer at 4Finance, she leads critical initiatives in regulatory compliance, data protection and legal strategy. Ángela’s extensive background includes senior roles at Corporación Financiera Arco and Grupo Ezentis, where she specialized in conflict resolution, cross-border transactions and banking law. Her deep knowledge of European regulatory frameworks and her leadership in navigating complex legal landscapes make her a distinguished authority in her field. Ángela will share her insights on the intricacies of regulatory implementation and the lessons learned from EU markets.
SANTA LEMSA
Founder & CEO | Simpleros & RAA Consulting
Santa Lemsa is a recognised expert in risk management, advanced analytics and digital transformation, with over a decade of experience in the financial services sector. As the Founder and CEO of Simpleros and RAA Consulting, she leverages her extensive background in data science, fraud management and predictive modeling to guide organizations through complex regulatory environments. Previously, as Chief Risk Officer at Robocash Group and Group Head of Data Science at 4Finance, Santa established and led critical risk management and analytics functions. She will be sharing her insights on credit risk assessment and loan portfolio management, as well as the challenges and strategies for effective regulation implementation across European markets.
ERNESTO DEL PUERTO CARASSUS
CEO | Skiptraze
Ernesto Del Puerto Carassus is an accomplished executive in the credit and collections industry, currently leading Skiptraze as its Chief Executive Officer. With extensive experience in managing secured and unsecured non-performing loans (NPLs) and overseeing portfolio management, Ernesto has consistently driven strategic initiatives that enhance financial performance. His prior roles, including Country Manager at Garnet Finance and Head of Collections, underscore his expertise in optimizing debt recovery and implementing advanced risk management practices. Ernesto’s deep knowledge of credit risk assessment and operational challenges will offer valuable perspectives on effective loan portfolio management in today’s complex financial environment.
JOSE MIGUEL MARTINEZ BESA
Country Manager Spain | DoAff
Jose Miguel Martinez Besa is an expert in affiliate marketing and business development, currently leading the Spanish operations of DoAff as Country Manager. With a solid background in digital marketing and a focus on optimizing lead acquisition and sales, Jose has played a pivotal role in driving growth for various organizations. His previous roles as Affiliate Marketing Manager at SUCREDITO SL and Affiliate Marketing Specialist at FI Analytics have equipped him with deep insights into the intricacies of the affiliate marketing landscape across Europe. At this event, Jose will share his expertise on maximizing returns through enhanced cooperation with affiliates and brokers, offering actionable strategies for customer acquisition.
ABELARDO MARTINEZ
Head of Marketing / Plazo
Abelardo Martinez is an experienced marketing leader, currently serving as Head of Marketing at Plazo. With an extensive background in digital sales and customer acquisition, he has previously led digital marketing efforts at Wizink and Endesa. His diverse experience spans finance, energy and FMCG, making him a versatile marketing strategist.
MIGUEL LOPEZ DE LUCA
Country Manager Spain | BlueFinance Ibérica
Miguel Lopez De Luca is an experienced leader in debt collection and financial operations, currently serving as the Country Manager for BlueFinance Ibérica SL. With over a decade of experience in the financial sector, Miguel has held key roles in credit and operations management, customer support and collections. His extensive background in legal collections and debt management positions him as an expert in process automation and operational efficiency within the financial services industry.
YOGI THADHANI
Country Manager Spain | FIIZY
Yogi Thadhani is the Country Manager for Spain at FIIZY, bringing extensive experience in business development, sales, and affiliate marketing. Previously, Yogi led the sales operations in Spain for FIIZY as Head of Sales and has held roles in business development, notably at TradeTracker.com and Banco Santander. With over a decade of experience in driving growth and optimizing customer acquisition, Yogi specializes in fintech solutions and has a deep understanding of the affiliate marketing landscape in Europe.
MARÍA SÁNCHEZ
Director | Dineo Crédito
María Sánchez is the Director at Dineo Crédito, where she leads operations and risk management for the B2C division. With extensive experience in financial risk management, she has held leadership roles in organizations such as Ebury, Nexus Energía, and Tech Data. María is also a member of the board at AEMIP, furthering her commitment to fintech and financial inclusion. Her expertise spans credit risk, financial regulation, and process optimization, making her a key figure in driving innovation within the financial services industry.
ARMANDS LISEKS
Co-founder & CEO | inGain
Armands Liseks is a highly accomplished executive in the fintech sector, currently serving as the Chief Executive Officer and Co-Founder of inGain. With extensive experience in business development and product management, Armands has been instrumental in helping businesses efficiently launch and scale lending products through inGain’s no-code SaaS platform. His previous roles include VP of Business Development at Kontomatik and COO at TelTel.io, where he led strategic initiatives to expand into new markets. Armands’ expertise in process automation, cost optimization and technology solutions makes him a key thought leader in the industry. He will share his insights on the role of technology in launching and running operations, focusing on automation, time to market and the decision between in-house IT and outsourced SaaS.
EDUARDO MORALES HEIMLICH
Country Manager Spain | Kreditz
Eduardo Morales Heimlich is the Country Manager for Kreditz in Spain, overseeing operations and partnerships and driving the company's credit scoring solutions in the financial sector. Previously, he led banking and payment partnerships at Klarna, expanding its presence across Southern Europe and North America. Eduardo also brings extensive experience from roles at UBS and Citibank.
As a mentor at the Founder Institute and a seed investor, he supports the growth of startups and sustainable ventures in Latin America. In this event, Eduardo will address credit risk, debt management and regulatory challenges in financial services.
JULIÁN DÍAZ-SANTOS HERNÁNDEZ
Co-founder and CEO | Unnax
Julián Díaz-Santos Hernández is the Co-Founder and Co-CEO of Unnax, a fintech company transforming how businesses integrate financial technology into their operations. Under his leadership, Unnax delivers cutting-edge solutions for payment processing, financial data access and risk management, helping companies enhance operational efficiency and customer experience.
With extensive expertise in scaling technology platforms, Julián has a deep understanding of how process automation, cost optimization and time-to-market strategies can drive business success. His experience spans leadership roles in multiple sectors, including fintech, real estate and venture investment. At the event he will share insights on leveraging technology in launching and running operations, particularly the balance between in-house IT solutions and outsourced SaaS platforms.
