What motivates us?

  • To foster the integration, financial inclusion and growth of micro and small enterprises (MSMEs) worldwide by improving how financial institutions and corporates work with them for mutual value creation.
  • To become a worldwide reference in the construction of statistical models and machine learning algorithms the help generate trust between MSMEs and large institutions and corporations.
  • To apply our creativity in designing useful and user-friendly apps that contribute to business building a better world for future generations. To this end, INBONIS is proud to be a certified B-Corp.

Team

  • Alberto Sanchez Navalpotro 2

    Alberto Sanchez Navalpotro

    CEO

    Spanish national. Inbonis founder, Alberto is an experienced private equity investment professional with focus on SME investing across EU. He was most recently Investment Director at Gravitation, the holding company of Charles Beigbeder (650M€ assets under management, over 250 investment in SMEs in France) and at private equity fund Jolt Capital. Prior to that, Alberto was a strategy consultant at Kaiser Associates and Trade Finance analyst at Bibby Financial Services in the UK. Alberto graduated in business administration Universidad de Alcalá, and holds a postgraduate in economy by the same university and an MBA from ESCP Europe.

  • Antonio Alcalde 1

    Antonio Alcalde

    Chief Risk Officer

    Spanish national. Inbonis co-founder, Antonio has over 25 years of experience leading national and international risk teams within BBVA group – among the largest banks worldwide. He has been Chief Risk Officer in various regions and countries at different stages of their economic cycles : Spain and Portugal during the crisis (2007-2012), Latin America during growth (2002-2007), and Argentina during depression (1997-2002). Antonio is also a professional executive and team coach (licensed by ICF). He holds legal, finance and managerial degrees from la Universidad de Deusto, IESE, INSEAD and Universidad Austral.

  • Gert Pregel 2

    Gert Pregel

    Chief Data Officer

    Austrian national, Gert has held senior management positions at leading banks Santander and BBVA, such as Global head of Management Control Global Markets, Global head of Customer Knowledge and Value Based Management and Head of Corporate Strategic Analysis. All these positions required extensive quantitative skills. Prior to his banking experience Gert was finance professor at IESE during 10 years. Gert holds a Master in Finance and Applied Economics from Wharton and an MBA from IESE, and graduated as civil engineer from Universidad Politécnica de Barcelona

  • Justin DeKoszmovszky

    Justin DeKoszmovszky

    Chief Impact Officer

    US & Hungarian national. Inbonis co-founder, Justin is an experienced strategy professional with a passion for accelerating the positive impact of business. Justin has led sustainability strategy at SC Johnson, PUMA and OVO Energy. Justin continues to advise clients on sustainability and inclusive business and is on the faculty of Cambridge University’s Institute for Sustainability Leadership. Justin holds MBA and BS (Applied Economics) degrees from Cornell University.

  • Samuel Santiago 1

    Samuel Santiago

    Head of Technology

    Samuel is an experienced web application developer with over 10 years of professional experience. He leads Inbonis’ front-end/UI and UX strategy and executions. “Samu” began his professional career as a draftsman in a paper press, but, after taking an introductory programming course, he fell in love with the online world, to which he has dedicated his career. Before joining Inbonis, he worked with companies such as El Corte Inglés, ONO and Securitas Direct. Samu holds a master’s in Web Application Design & Development from Centro CICE.

  • Miguel Ángel Robres

    Miguel Ángel Robres

    Backend Developer

    Miguel is a confirmed full-stack developer with over 5 years of professional experience as software developer. Miguel is acquainted with most commonly used programing languages – but more importantly he grasps real fast the secrets on any new programming innovation that enables to increase its productivity.

  • Daniel Monsó 1

    Daniel Monsó

    Compliance officer

    Daniel started his professional career as a consultant in Accenture where he monitored and proposed, in various projects and clients, policies and procedures from diverse departments to help to reduce the company costs and still being compliance with the national regulator. For this he did some courses to better understand the fundaments of the insurance sector. After Accenture, Daniel worked at BBVA microfinance foundation where he led the quantitative analysis for the social performance department and worked with the compliance department, when developing the databases, since it contained data from several countries and each of them had its own regulation regarding personal information policies.
    Daniel Monsó holds a degree in Economics from Universitat Pompeu Fabra and a Master in International Economics from Universidad Autónoma de Madrid.

  • Juan Ramos 1

    Juan Ramos

    Art director

    Juan is INBONIS’ design lead and we rely daily on his expertise in computer graphics, design and digital marketing. As an infographer, he has collaborated with different media (Diario 16, El Mundo) and creative agencies (DPI, Olivé Estudio), receiving several SND awards. In 2000 he took the leap into digital marketing by joining BetyByte, a pioneer company in creating virtual communities (Coca-Cola, Movistar) and loyalty technology plans. In 2011 he founded Una Pareja Como La Nuestra, an agency specialized in corporate image and communication. Juan holds a degree in Advertising and Public Relations from Universidad Complutense de Madrid.

  • Ángeles López 1

    Ángeles López

    Communication director

    Angeles is a journalist specialized in economic information and business communication. She has worked for paper & online newspapers (Diario 16, Estrella Digital) and in the press department of the Empresa Municipal Promoción Madrid. In 2011, she founded Una Pareja Como La Nuestra, an agency specialized in corporate image and communication. Ángeles holds a master’s degree in Economic Journalism and Business Communication from the University of Nebrija, a degree in Journalism from the UCM (CEU San Pablo) and a diploma in Interior Architecture from the School of Decorative Arts in Madrid.

Board of Directors

  • François David 1

    François David

    Chairman of INBONIS

    French national, Mr David’s career has always focused on international trade and finance. It started in the Ministry of Finance at the department of Trade where he ended as under-secretary in 1989. He then went to Aerospatiale where he was in charge of sales of civilian and military equipments. In 1994, he joined as CEO, Coface, the leading export credit guarantee company in the world and was regularly reconfirmed by the Board until 2013. During that period, Coface, who originally was only in France and specialized exclusively in export credit, developed itself in 67 countries and other disciplines such as information, debt recovery and factoring. Before leaving the company, he tried to obtain an agreement from Brussels to create a rating agency. Today, Mr David is honorary president of Coface and senior advisor of the American investment bank, Moelis & Company. François David is graduated from l’Ecole Nationale d’Administration.  

  • Charles Beigbeder

    Charles Beigbeder

    Vice Chairman of the Board

    French national, M. Beigbeder is a successful entrepreneur and a pioneer of the fintech industry. Since 2007, M. Beigbeder is the President of his investment holding company, Gravitation, via which he has invested in over 650M€ in 250 SME over the last 10 years. In 2002, M. Beigbeder founded Poweo, first alternative energy producer and distributor in France. M. Beigbeder was its CEO until Poweo got acquired in 2007 by Austrian public energy producer Verbund. In 1997, M. Beigbeder founded SeftTrade, first online broker in Europe, and acted as SelfTrade CEO until German bank, DAB Bank, acquired it in 2001. Prior to that, he was investment banker at CSFB for 8 years. M. Beigbeder is engineer, graduated from Ecole Centrale Paris.

  • Alberto Sanchez Navalpotro 2

    Alberto Sanchez Navalpotro

    CEO

    Spanish national. Inbonis founder, Alberto is an experienced private equity investment professional with focus on SME investing across EU. He was most recently Investment Director at Gravitation, the holding company of Charles Beigbeder (650M€ assets under management, over 250 investment in SMEs in France) and at private equity fund Jolt Capital. Prior to that, Alberto was a strategy consultant at Kaiser Associates and Trade Finance analyst at Bibby Financial Services in the UK. Alberto graduated in business administration Universidad de Alcalá, and holds a postgraduate in economy by the same university and an MBA from ESCP Europe.

  • Antonio Alcalde 1

    Antonio Alcalde

    Board member

    Spanish national. Inbonis co-founder, Antonio has over 25 years of experience leading national and international risk teams within BBVA group – among the largest banks worldwide. He has been Chief Risk Officer in various regions and countries at different stages of their economic cycles : Spain and Portugal during the crisis (2007-2012), Latin America during growth (2002-2007), and Argentina during depression (1997-2002). Antonio is also a professional executive and team coach (licensed by ICF). He holds legal, finance and managerial degrees from la Universidad de Deusto, IESE, INSEAD and Universidad Austral.

  • Clémentine Baldon 2

    Clémentine Baldon

    Board member

    French national, Clémentine Baldon has over 15 years of profesional experience as a lawyer with a strong focus on competition law, regulatory and compliance. As avocate au Barreau de Paris and solicitor of England and Wales, Clémentine worked at international law firms such as Dentons, Weil Goshtal and Freshfields and most recently as Deputy General Counsel at telecommunication operator Bouygues Telecom. Clémentine is lecturer in business law at ESSEC business school. She graduated in business administration from ESSEC business school and holds a master in European law from Université Paris II-Assas