The People Behind FINAMCA SPA

FINAMCA SPA is powered by a team of seasoned finance professionals who collectively bring decades of experience in credit analysis, corporate lending, and financial advisory. Our specialists come from diverse backgrounds in banking, accounting, and economic policy, giving us a rounded perspective on the challenges our clients face. We operate with a flat, collaborative structure that keeps decision-making close to the client. Every team member is committed to the principle that good financing starts with genuine understanding.

Marcus Delacroix

Chief Executive Officer

Marcus has spent over 18 years leading credit operations and corporate finance divisions across European and Latin American markets. He founded FINAMCA SPA with the conviction that transparent, client-centred lending is both commercially viable and ethically essential. Under his leadership, the firm has grown into a trusted multi-market financing institution.

Serena Valdés

Head of Credit Risk

Serena oversees all underwriting and credit risk assessment processes at FINAMCA SPA, bringing 14 years of experience in structured lending and Basel-compliant risk frameworks. She developed the proprietary scoring model that enables FINAMCA SPA to make faster, fairer credit decisions. Her department maintains the firm's strong approval accuracy and low default benchmarks.

Oliver Kreft

Director of Business Financing

Oliver leads the business lending division, specialising in SME credit facilities, equipment financing, and trade credit arrangements. He has advised hundreds of companies through growth capital raises and debt restructuring processes throughout his 12-year career. His practical, no-jargon approach makes complex financing structures accessible to business owners at every level.

Aisha Monteiro

Senior Personal Finance Advisor

Aisha works directly with individual clients to design credit solutions that match their real financial circumstances rather than a generic profile. With a background in retail banking and consumer credit, she brings both technical knowledge and genuine empathy to every client relationship. She is the first point of contact for all Essential plan clients.

Daniel Furst

Chief Compliance Officer

Daniel ensures that every product, process, and client interaction at FINAMCA SPA meets current regulatory standards across all jurisdictions where the firm operates. He has a deep background in financial law and international lending compliance built over 16 years in the industry. His work protects both the firm and the clients it serves.