Antonio Encinar Arroyo

Antonio Encinar Arroyo is a seasoned professional with extensive experience in strategy and management within the banking and engineering sectors. Current roles at Santander include Strategy Director and Product & Service Value Proposition Manager, focusing on Sole Traders, MicroSMEs, and Green Finance since March 2015. Previous positions at Santander also encompass managerial responsibilities in digital transformation and retail banking. Prior to Santander, Antonio worked as a Manager at Altair Management Consultants, where strategic programs and initiatives in retail banking were developed. Early career experience includes project management and engineering roles at INTEMAC, overseeing civil engineering projects and client relations. Antonio holds an International MBA from IE Business School and a Master's in Civil Engineering from Universidad Politécnica de Madrid.