Zolva Portugal provides services within the purchase of debt, debt collection and Public Sector Management. We are ambitious, striving to challenge and innovate the credit management industry. The goal is to become an important buyer and administrator in the European non-performing loan market (NPL).
Executive Management
Zolva’s corporate governance structure ensures a clear distribution of roles between owners, Board of Directors and executive management team.
Show more less David Martín
Regional Manager for Spain and Portugal
Alberto Bravo
Head of Finance
Jacques Llorens
Head of Strategy and Business Development
Raquel Alcoforado
Head of Business Development Portugal
Joaquin Baumela
Head of Servicing
Juan de Miguel
Head of Operation
Francisco Castellano
Head of IT
Marina Monaco
Head of HR
David Martín is Zolva's Regional Director for Spain and Portugal. He was the General Director of Axactor Spain until 2021, and was a founding partner of ALD Abogados and Procurator of the Courts in Spain. He has studied at both IESE Business School – University of Navarra (Spain) and University of Carlos III in Madrid. David has more than 16 years of experience in the litigation market and the NPL industry.
Alberto Bravo is Zolva's CFO in Spain and Portugal. Previously he has been the Director of Strategy and Business Controller at Axactor, Lindorff and Deloitte.
Jacques Llorens is the Head of Strategy and Business Development at Zolva. He was Chief Executive Officer at Multigestión Iberia until 2021. Previously he has worked as Chief Operating Officer at GE Capital in different countries such as United Kingdom, Spain, Portugal, as well as Chief Marketing & Sales Director in the joint venture between BBK and GE Capital in Spain, in GE Money Belgium, and in GE Money Bank France.
Raquel Alcoforado is head of Business Development in Portugal for Zolva. She was previously the Country Manager for Multigestión Iberia in Portugal. She has more than 20 years’ experience in the industry.
Joaquin Baumela is the Director of Servicing for Zolva in Spain and Portugal. He was the Director for 3PC Servicing at Axactor until 2021. Previously he has also been responsible for legal and collection agencies at TDX indigo - Equifax for 4 years, after being responsible for Legal at Konecta Group.
Juan de Miguel is the Director of Operations. He was the Director of Collection until 2020. Prior to this position he was Director of Strategy at Gescobro, Business Intelligence Director at Axactor and Lindorff and Responsible for Dialer & Reports at Bank of America. He has extensive experience in the financial and banking servicing sector and the NPL industry.
Francisco Castellano is the Head of IT at Zolva Spain and Portugal. He has an extensive experience in managing IT departments and product development in different companies such as Axactor, Qipert or Reintegra.
Marina Monaco is the Head of HR in Zolva. She has more than 10 years’ experience as HR Manager in Multigestion Iberia.
Experience
• AXACTOR Spain: County Manager
• ALD ABOGADOS: Founder Associate Director
• IBEAS & Ayudarte Procuradores: Founder
Education
- IESE Business School – Universidad de Navarra
- Universidad Carlos III de Madrid.
Experience
• AXACTOR Spain: Director of Strategy, Business Controller
• LINDORFF Spain: Financial Controller;
• DELOITTE: Supervisor
Education
- BA in Economics, Universidad de Alcalá
Experience
• MULTIGESTION Iberia: Chief Executive Officer
• GE Capital Home Lending United Kingdom: Chief Operating Officer;
• GE Capital Spain & Portugal: Chief Operating Officer, Mortgage Director
• BBKGE: Chief Marketing
• GE Money Bank Francia: Affinity Partnerships’ Director, Collection Director
Education
- Master, University of Pantheon Assas (Paris II)
Experience
• MULTIGESTION Iberia: Country Manager in Portugal
• INTRUM Justicia: Sales Manager
• BANCO Mello: Manager
• BANCO Pinto & Sotto Mayor: Manager
• BANCO Atlantico: Manager
Education
- University Moderna Porto, Portugal.
Experience
• AXACTOR España: Head of 3PC Servicing
• TDX Indigo (Equifax): Legal Manager, DCA Manager
• GRUPO Konecta: Legal Manager
Education
- EMBA Universidad Francisco de Vitoria
Experience
• MONEDO: Head of Collection
• GESCOBRO: Head of Strategy
• AXACTOR España: Business Intelligence Director
• LINDORFF: Business Intelligence Director
• BANK of America: Dialler & Reporting Manager
Education
- Universidad Complutense de Madrid.
Experience
• AXACTOR España: Director IT;
• QIPERT: Director IT
• REINTEGRA: Director IT
Education
- IE Business School y IDE-CESEM
Experience
• MULTIGESTION Iberia: Head of HR
Education
- CEF Centro de Estudios Financieros,
- Master - Universidad Pontificia de Salamanca, Universidad of Bologna in Italy
Career
Do you want to be part of a company that sets a new standard in the traditional credit management sector? Zolva’s ambition is to be an innovator in an industry characterized by many as rigid and conservative. We aim to be bold and different and find flexible solutions for our customers. Are you the next addition to the ambitious and forward-thinking Zolva team?
Go to Career page Sustainability and social responsibility
Sustainability and social responsibility are an integral part of the business conduct at Zolva. For us, sustainability entails making responsible business decisions that create value and contribute to the good of society.
Ethical Responsibility
Zolva aims to be a challenger and innovator within the credit management sector. Our desire is to push the boundaries, influence, and further develop the standard for our industry’s work on sustainability. Zolva’s employees are committed to finding sustainable solutions for both collectors and debtors. We are determined to follow best practice regarding employment, human rights, and the way we treat our colleagues and customers.
Sustainable Business Conduct
At Zolva we take ethical responsibility very seriously. We are aware of our responsibility to be environmentally, socially, and financially accountable. Our work on sustainability closely follows international laws and regulations. We adhere to the UN Sustainable Development Goals and the Global Compact Principles. Our business conduct meets the fundamental responsibilities in the areas of human rights, labor, environment, and anti-corruption.
Setting the Standard
Every business has a moral and ethical responsibility to uphold. At Zolva, we believe the financial services sector has an important obligation to put sustainability on the agenda. Maintaining social responsibility within a company is critical to ensure the integrity of society and the protection of the environment. We believe that every business should be aware of its activities and how they affect wider society and the environment.