Maria Candales

Maria Candales is a highly experienced financial professional specializing in credit risk and capital management. Currently serving as the Head of Credit Risk Forecasting at Santander España, Maria has held various leadership roles within Banco Santander, including Head of Capital and Model Risk Management and Head of Credit Portfolio Management. Maria's expertise encompasses managing significant credit portfolios and conducting credit stress tests while ensuring compliance with risk appetite and capital optimization. Previous positions include Managing Director of Corporate Credit Risk and various managerial roles focusing on risk analysis in global investment banking and consumer finance. Maria's educational background includes a BA in Finance from Universidad Pontificia Comillas and advanced studies in digital management and risk from ISDI and IE Business School. Additionally, Maria actively participates in mentoring through Red de mentoring de España.