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.

Elena Herrero-Beaumont, PhD, leads the institutional relations and research agenda at Inbonis Rating, advancing the positioning of credit ratings as solvency tools in public policy and economic decision-making . She is Co-founder and Director of Ethosfera, a foundation focused on responsible information, public deliberation and applied ethics. She holds a PhD in Law, was a Fulbright Scholar in the US, an MSc in Journalism from Columbia University and a Master’s in Financial Markets from IEB. She co-founded Vinces and worked at the Initiative for Policy Dialogue led by Joseph Stiglitz.

Víctor Ausín is Chief Economist at Inbonis Rating, where he leads the economic analysis agenda, developing applied intelligence on midcaps, public procurement and investor sentiment to support decision-making by investors and institutions . He previously served as Director General for Economic Policy and Macroeconomic Analysis at the Spanish Ministry of Economy, and as board member at ICO. He is a member of the State Economists and Trade Experts Corps. He worked as a consultant at KPMG and is Adjunct Professor at IE University. He holds a Telecommunications Engineering degree from UPC and a degree in Political Science from UNED.

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.

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.

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).

José Antonio has more than three decades of experience in senior financial and banking management. He has spent most of his career at Grupo Santander, where he served as CEO between 2015 and 2022 and is currently non-executive vice president. Previously, he was deputy chief financial officer of the BBVA Group and chief financial officer of Banco Hipotecario de España. Throughout his career, he has been actively involved in governing and supervisory bodies at both the national and European levels. He is currently a member of the board of PagoNxt (Santander Group), an independent director of Aon plc, and an advisor to Buenavista Equity Partners. He is also president of the Universia Foundation, a trustee of the Red Cross, and has been a member of the board of Bolsas y Mercados Españoles (BME) and the Instituto de Crédito Oficial (ICO). At the European level, he chaired the Banking Supervision Committee of the European Banking Federation. He holds a degree in Economics and Business from the University of Santiago de Compostela and an MBA from the University of Chicago.

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.

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.

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.

Nuria Aliño brings over 25 years of international experience in investment banking, digital transformation, sustainable finance, and economic development. She has held leadership positions at reference institutions including the IFC (the World Bank), BBVA, and BID Invest. With a Master's in Business Administration and Law from Universidad Pontificia de Comillas, her extensive career has combined strategic advisory for financial institutions with impact investment and the promotion of financial inclusion in emerging markets. She believes deeply in the value of financial information as a lever for building a more inclusive system. Nuria currently serves as an independent board member at Credicorp (Latin America), Banco BCP (Peru), and Unicaja Banco (Spain). She is also part of the Independent Expert Panel of the Social Impact Fund (FIS) managed by Cofides. Her experience extends to academia, having been a professor at IE University, advising technology startups, and mentoring social and technological innovation initiatives. Her profile blends deep knowledge of the financial system with a transformative vision.

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).