The rating agency for SMEs and mid-caps in Europe

Alberto is the founder of INBONIS. He is responsible for executing the strategy decided by the Board of Directors and for the operational management of the company. He is specifically responsible for commercial and corporate development. Previously, Alberto was active in the financing of European SMEs - as a venture capital investor - first as Director of Investments Gravitation (Paris), holding company of Charles Beigbeder (French entrepreneur and founder of SelfTrade and Poweo) and then as a partner in the venture capital fund Jolt Capital. He has been a strategy consultant at Kaiser Associates (London) advising large multinationals across Europe. He holds a masters degree from ESCP Europe and a master research in Economics and a degree in Business Administration from the University of Alcalá.

Jean-Michel Royo is the chairman of INBONIS' strategic committee for France, where he defines the main strategic directions in alignment with the group’s European vision. Founder of Déclic Partners and advisor to the president of IFPImm (Institute for Real Estate Professionals’ Financing), he also supports key decision-makers in the real estate sector and public administrations with his expertise in executive management, banking finance, business development, and strategy. Jean-Michel Royo began his career at Caisse des Dépôts before becoming Regional Director for Île-de-France West at Crédit Local de France. He then joined Sofaxis as a board member, later moving to Dexia Crédit Local as Commercial Director, where he developed a dedicated offering for institutional clients. Appointed Commercial Director and later Deputy CEO of Arkéa Banque, he oversaw the corporate, real estate, and institutional markets. In 2020, he became CEO of Action Logement Services (ALS), leading a team of 3,000 collaborators.

Sarai has more than 20 years of experience in senior management positions in international financial institutions, both public and private, in five different countries. In the private sector, she was a consultant at Price Waterhouse Coopers in Miami Waterhouse Coopers in Miami, senior economist at Analistas Financieros Internacionales (AFI) and senior vice president at Lombard Odier in Geneva. In the public sector, she was an analyst at the European Central Bank in Frankfurt. European Central Bank in Frankfurt, national expert at the European Commission in Brussels, Economist at the Bank of Spain and for the last 3 years she has been seconded as financial advisor to the First Vice-President of the Government at the Ministry of Economy and Digital Transformation. of Economy and Digital Transformation of Spain.

With a double degree in Law and Economics from the University of Seville and an MBA in International Management from ICEX-CECO, where he graduated third in his class, Alberto is focused on optimizing INBONIS Rating's internal processes. Prior to joining the agency, Alberto worked as an International Trade and Investment Advisor at the Spanish Economic and Commercial Office in Washington, D.C. and as a researcher at the University of Seville.

Gracia is responsible for the construction and development of the analysts’ team. She trains and supervise the team. In addition, she analyses and approves credit rating reports and is responsible for ensuring compliance with the regulation. Spanish national, Gracia has more than 20 years of experience in credit risk analysis and guarantees. She has collaborated in the training of new analysts and has specialised herself in various sectors of activity throughout his career, mainly at Coface and Cesce. Within the latter, she has been a senior analyst in the Technical Department and in the State Account, preparing analyses for different Ministries. Gracia holds a degree in Law from the Universidad Autónoma de Madrid, with a specialization in International Trade from the Université Sorbonne de Paris.

Cecilia is responsible for the compliance function, which aims at ensuring the respect of the regulatory framework and monitors the application of policies and procedures within the governance and operations of INBONIS RATING. Cecilia is a Spanish attorney with over 20 years experience in financial markets and banking institutions specializing in international and interdisciplinary environments related to the languages that she speaks, German, English, Italian and French. She has served in the legal and compliance departments of different banking groups such as Hypovereinsbank, Banco Espirito Santo, Banco Santander and Andbank, where she has developed a profound knowledge of all issues regarding corporate governance, compliance of financial institutions and markets, relationships with supervisors and sustainability and transparency. She holds a law degree from the Universidad Autónoma de Madrid in Spain and a postgraduate degree from the Johann Wolfgang Goethe University in Frankfurt (Germany).

Hugo brings to INBONIS Rating a unique strategic vision and exceptional international experience. After starting his career at the Swiss Federal Banking Commission, Hugo held senior management positions at Credit Suisse and Deutsche Bank, where he was a member of the Board of Directors, and has been a partner at Lombard Odier, among others. With an in-depth knowledge of the historical and regulatory dynamics of the financial sector, he holds a degree in Modern History and Constitutional Law from the University of Bern.

Clémentine has over 15 years of experience in competition law and regulatory compliance. As avocate au Barreau de Paris and solicitor of England and Wales, Clémentine has worked in international firms such as Dentons, Weil Goshtal and Freshfields and, later, as deputy legal director of the French mobile operator, Bouygues Telecom. As an expert in European law, Clémentine collaborates with the European Centre for Law and Economics at ESSEC business school, where she also teaches business law. Clémentine graduated from ESSEC Business School and holds a degree in Law from Université Paris II-Assas.

Elena is co-founder and director of Ethosfera, a Spanish think tank specialised in ethics and critical innovation, researcher at Fundación Compromiso y Transparencia and assistant professor of Corporate Ethics at IE University Law School. Linked to various organizations related to good governance, she sits at the Board of Transparency International-Spain. Previously, she was managing director of the consultancy firm Vinces, director of International Media at the Spanish law firm Garrigues and a researcher at U.S. academic institutions such as the Kellogg School of Management and Columbia University. She holds a law degree from the Universidad Complutense, a Master in Financial Markets from the Instituto de Estudios Bursátiles and a MSc in journalism from Columbia University in New York.

Charles is President of his investment holding company Gravitation. Charles was the founder and CEO of Selftrade/SelfBank (a pioneering online broker in France, Spain and the UK) and Poweo (now Direct Energie). Charles is an engineer, a graduate of the Ecole Centrale de Paris.

Alberto is the founder of INBONIS. He is responsible for executing the strategy decided by the Board of Directors and for the operational management of the company. He is specifically responsible for commercial and corporate development. Previously, Alberto was active in the financing of European SMEs - as a venture capital investor - first as Director of Investments Gravitation (Paris), holding company of Charles Beigbeder (French entrepreneur and founder of SelfTrade and Poweo) and then as a partner in the venture capital fund Jolt Capital. He has been a strategy consultant at Kaiser Associates (London) advising large multinationals across Europe. He holds a masters degree from ESCP Europe and a master research in Economics and a degree in Business Administration from the University of Alcalá.

Mona Caroline is a lawyer dedicated to ethics, compliance and governance in business and innovation. She is the director of GOVERN&LAW and the WhistleBlowing Center. She is an appointed member of the Ethics Committee of the French space agency and of the AI & Data Ethics Board to the Belgian government. Mona Caroline further lectures at the Sorbonne University and EDHEC Business School and she is a regular speaker on innovation & regulation across borders. She holds law degrees from Columbia University, and the Universities of Louvain and Ghent. Previously, she served the OECD (Policy Expert), international law firms Cleary Gottlieb and Wachtell Lipton (Attorney), and Unilever Europe (Business integrity Director).