Ramiro has more than 10 years’ experience in Finance and Consultancy working for UK, European and international clients. During his career he has founded two companies and has been responsible for the improvement of international collections processes, reducing debt and increasing profit substantially. As a Consultant, he has been in charge of managing the entire merge process of companies and of improving customer services as well as internal reporting. Ramiro has recently joined Advanta’s team to improve the financial and operational processes by applying modern management models.