Born in Bilbao in 1962. Economics and Business Administration graduate from Universidad Comercial de Deusto (Bilbao) and holder of an MBA diploma in the field of financial intermediation of the Wharton School (University of Pennsylvania).
He began his banking career in 1995 at the Retail Banking Unit of BBVA, where he held various positions of responsibility and general management positions in Spain and South America.
During 2007, he served as the general manager of the bank BBK-Bilbao Bizkaia Kutxa (Bilbao).
Between January 2012 and March 2015 he served as corporate general manager of Kutxabank (Bilbao).
He has been a director of a variety of companies and financial institutions, and has served in some of them as chairman and deputy chairman, such as for instance,Euskaltel (2009-2012), Norbolsa (2009-2012), Fineco S.V. (2009-2015) and CajaSur Banco (2010 – 2015). Furthermore, he has been a member of the Senior Advisory Committee for Europe of Oliver Wyman & Co.
In February 2016 he was appointed an independent member of the Board of Directors of ABANCA Corporación Bancaria, S.A.