Javier Fonseca Lapuente

Javier Fonseca Lapuente has extensive experience in risk management and financial analysis, currently serving as Risk MI Leader at Santander Consumer Bank - Nordics since November 2019 and previously held the position of Senior Risk MI Analyst. Prior experience includes roles as Risk Controller and Risk Analyst at Santander Consumer Finance Oy from March 2014 to December 2019, where tasks involved daily analyses in SAS and data preparation using SQL. Javier also worked as a Financial Analyst at Orange from February 2013 to February 2014, providing regular reports and data extraction. Earlier roles include Junior Consultant at Altran, focusing on supply chain management for Airbus, and Cashier at Ibercaja, handling administrative tasks for corporate clients. Javier earned a Bachelor of Business Administration and a Bachelor’s degree in Economics from Universidad Carlos III de Madrid, supplemented with advanced accounting and SQL training, as well as a QlikView Designer course.