Miguel Ángel Lobo Martín

Miguel Ángel Lobo Martín currently serves as Chief Risk Officer (CRO) at Siemens since January 2018. Previously, Miguel Ángel held the position of Chief Risk Officer for Brazil & Argentina at DLL (Rabobank Group) from May 2010 to March 2017, overseeing Credit, Risk, Data Intelligence, and Collections & Recovery departments. Prior roles at DLL also included Chief Risk Officer Iberia and Head of Credit for Spain & Portugal. Earlier experience includes roles at Siemens Financial Services as Collections Manager/Senior Credit Analyst and at CIT INC as Portfolio Manager and Senior Credit Controller. Miguel Ángel's educational background includes an Executive MBA in Financial Services from IEB and an EMBA from IE Business School, along with a coaching certification from Newfield Consulting.