Javier Delgado

Javier Delgado is an experienced professional in risk management and fraud prevention, currently serving as the Head of Risk of J-Vs for Xfera and Cajamar Consumo, as well as Head of Fraud Prevention and ORC at BNP Paribas Personal Finance Spain since June 2021. Previously, Javier held the position of Director de Riesgo de Adquisición B2B at Cetelem España, BNP Paribas from March 2015 to June 2021. Prior experiences include roles as Credit & Risk Manager at TOYOTA KREDITBANK GMBH and RISK ANALYST at Volkswagen Bank and Volkswagen Finance. Javier's educational background includes an ongoing mentoring executive program at Universidad Autónoma de Madrid, along with various qualifications in business management and an MBA from Universidad Pontificia Comillas.