Economist from the Universidad del Rosario; PhD in Administration from San Pablo Ceu University of Spain, with Master’s degree in Economics from Universidad Nacional de Colombia, and Business Management from the University of Ávila, Spain, Specilized in Private Finance. He is currently a research and professor at Colegio de Estudios Superiores de Administración – CESA, and main member of the Technical Committee of the rating agency Value and Risk Rating. Has worked as teacher in economic, statistical, financial and marketing, in several universities in Bogotá and other cities. He has been a lecturer and consultant for financial institutions such as Financial Superintendence, Asobancaria, Fiducolombia, Banco de Bogotá and Banco Popular, among others.