Banking risk management professional with experience as Risk Support Director (Global Risk & Climate Risk) and Risk Statistical Director (rating models, IFRS 9 and stress test) at Bankinter and as credit risk methodologies analyst at Banco Popular. He also has a brief experience as a Public Finance junior consultant at Afi.Specialised in climate risk analysis and measurement, with academic publications and training experience in this field. Associate Professor of Applied Economics at the University of Alcalá. Researcher at the Institute of Economic and Social Analysis and several research groups (Entrepreneurship / Corporate Social Responsibility & Sustainaility). His main lines of research, on which he has published nationally and internationally, focus on the analysis of entrepreneurial activity and its failure dynamics, the analysis of alternative Social Security systems and the Financial System and its trends (Shadow Banking, CBDC, climate risks).He holds a PhD in Economics and Business Management from the University of Alcalá, a degree in Business Administration and Management (Extraordinary Award) from the University of Alcalá, a degree in Economics from the UNED and a Master's Degree in Banking and Finance from Afi Escuela de Finanzas Aplicadas and the Universidad Internacional Menéndez Pelayo. He also has other professional training such as the PowerMBA and the Sustainability and Climate Risk (SCR) Certificate by GARP.