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Francisco Fernandes

@franciscofernandes2

Debt capital markets manager at Grover who executed over €1b in asset-backed financing across the EU and US.

At Grover, I originated and executed asset-backed financing transactions raising over €1b across the EU and US. I managed a €600m+ debt portfolio across multiple SPVs, including performance monitoring and covenant compliance.

I also developed an LTV valuation methodology for over 1 million consumer electronics assets and led investor reporting and portfolio analysis. Earlier at Grover, I managed group and SPV liquidity and built automated transaction classification and cash reporting tools.

Experience

Work history, roles, and key accomplishments

Manager Debt Capital Markets

Grover

Jan 2022 - Jan 2026 (4 years)

Originated and executed asset-backed financing transactions raising over €1b across EU and US. Managed a €600m+ debt portfolio of multiple SPVs, including performance monitoring and covenant compliance.

Asset Based Financing Loan Portfolio Management SPV Investor Reporting LTV Analysis Due Diligence Virtual Data Rooms Treasury DCM Stakeholder Management

Associate Treasury & Debt Manager

Grover

Jan 2019 - Jan 2022 (3 years)

Managed liquidity across group and SPV entities, ensuring efficient cash allocation and funding readiness. Oversaw daily cash positioning, payments execution, and developed rolling cash flow forecasts.

Treasury Management Cash Flow Forecasting Loan Portfolio Management Liquidity Management Banking Relationships Financial Reporting Automation

Finance & Controlling Officer

LandT

Jan 2018 - Jan 2019 (1 year)

Delivered financial reporting, cash flow forecasting, and variance analysis to support business planning. Managed liquidity and short-term investments for optimal cash allocation.

Financial Reporting Cash Flow Forecasting Variance Analysis Liquidity Management Financial Modeling

Financial Analyst – Contract Controller

IBM

Jan 2015 - Jan 2017 (2 years)

Managed budgeting, forecasting, and variance analysis for key international contracts. Oversaw intercompany cost allocations and revenue recognition across European subsidiaries.

Budgeting Forecasting Variance Analysis Intercompany Accounting Revenue Recognition Audit Support

Financial Auditor

Nexia Santos Carvalho & Associados

Jan 2015 - Dec 2015 (11 months)

Conducted audit fieldwork, testing financial transactions and verifying controls. Contributed to the delivery of final audit reports and compliance assessments.

Audit Transaction Testing Control Verification Compliance Audit Reporting