Fernando de Gonzalo Garnica

- Lead the execution of the company's strategy and distribution policy in indirect channel (100+ partners and 1,000+ point of sales). - Oversee the retribution model of partners, give recommendations about the remuneration structure and drivers, and manage and control a remuneration driver of 40+ million euros. - Drive and implement cross-functional projects to address a variety of business needs (such as legal, commercial, financial, quality enhancement, business performance improvement, ...).

ANALYSIS & REPORTING: • Delivered business reports to senior management, providing root causes analysis and improvement recommendations. • Elaborated continuous business analysis, maximizing performance and reducing operational costs. • Developed a business performance reporting with KPI follow-up, enabling daily insights and informed decision-making.

INSURANCE PORTFOLIO MANAGEMENT & RISK ANALYSIS: • Managed the insurance portfolio, covering risk exposure by successfully mediating between clients and insurances companies.

BUDGET CONTROLLING & FINANCIAL ANALYSIS: • Conducted budget reporting providing variance analysis of business performance against budget in all business lines.