The People Behind FIVOL SPA
The FIVOL SPA team is composed of credit professionals, financial analysts, and client service specialists who bring decades of combined experience in business lending, SME finance, and consumer credit. Our leadership sets a clear standard for responsible, client-focused lending that permeates every department. We are a diverse group united by a shared commitment to making finance accessible, transparent, and fair. Every member of our team is selected not only for technical competence but for the integrity and empathy they bring to every client interaction.
Marco Delacroix
Chief Executive Officer
Marco has over 20 years of experience leading financial services organisations across Europe, with a focus on commercial credit and SME lending strategy. He founded FIVOL SPA with the conviction that small businesses deserve the same quality of financial service as large corporates. Under his leadership, the company has built a reputation for responsible and transparent lending practices.
Elena Vautrin
Chief Credit Officer
Elena oversees all credit underwriting, risk assessment, and portfolio monitoring at FIVOL SPA, bringing 15 years of experience in structured finance and business lending. She developed the multi-factor credit model that allows FIVOL SPA to serve a broader range of borrowers without compromising portfolio quality. Her team is responsible for ensuring every loan decision is both commercially sound and fair to the client.
James Okafor
Head of SME Finance
James leads the SME lending division, managing relationships with small and medium business clients and designing financing structures that match their operational realities. He has spent his career working directly with entrepreneurs in manufacturing, retail, and professional services sectors. His practical approach to credit has helped hundreds of businesses access capital they could not obtain through conventional channels.
Sophia Brennan
Head of Personal Lending
Sophia manages FIVOL SPA's consumer credit and personal loan products, with a focus on designing accessible, affordable financial solutions for individual borrowers. She has a background in retail banking and consumer finance regulation, which informs her approach to compliant and client-friendly product development. She is currently leading the expansion of digital loan application channels for personal finance clients.
Anton Merkle
Chief Financial Officer
Anton is responsible for FIVOL SPA's financial planning, treasury operations, and funding relationships that underpin the company's lending capacity. He brings 18 years of experience in corporate finance and financial intermediation, having previously managed debt portfolios at major European credit institutions. His work ensures that FIVOL SPA maintains the capital base needed to serve a growing client portfolio sustainably.