Albert Gumà

Founder of Altria Corpo

After nearly 20 years as an executive of a financial institution, Albert decided to start his own professional project. During these years he has held positions of managerial responsibility, getting his professional maturity as a Director of Corporate Banking.

His accumulated experience has been forged, both, in stages of growth and also deep economic crisis. This diversity has enabled him to develop a series of innate skills related to negotiation, mediation and to defend his own ideas with cunning and perseverance, achieving financing agreements that at first glance might seem unfeasible for parties. His great capacity for financial analysis in complex situations and his ability to define the best business strategy are signs of his excellent thoughtfulness.

Albert has a degree in Economics from the University of Barcelona and has completed a graduate degree in corporate finance and several additional courses, among others, the title of European Financial Advisors.

As a founding partner, the main value he brings to the firm is his strategic business skills and his anticipation, joyfulness and strength to overcome difficulties that appear in each project.

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Ramiro Lama


Ramiro joins Altria Corpo as an Associate Consultant, and he is responsible for financial advice to large companies.

After 15 years of experience in the financial sector as an executive in the area of businesses and large corporations, he accepted the challenge to bring all his energy, knowledge, experience and skills to Altria Corpo.

Ramiro is a complete professional in all aspects, and combines high academic training with extensive work experience. Among his skills, he stands out for his intuition, combined with a great mental agility to interpret the financial condition of his customers, and therefore, to provide the best solutions. Together with a large relational and working capability, his enthusiasm, commitment and inspiration make him a key player in the future growth and development of Altria Corpo.

He graduated in Business Administration from the UB (Barcelona), with an Executive-MBA from EADA, as well as several courses in corporate finance. His academic curiosity has led him to join classrooms as an associate professor at ESIC, to bring all their knowledge and experience, both, to developing professionals, as well as those who are already fully consolidated.

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Octavi Gumara

Manager Analyst

Professional career developed for more than 15 years in a financial institution, developing several jobs and roles in different departments in which he worked, mainly Organization, Corporate Banking Risk Analysis, Corporate Rating and Reporting and Monitoring of commercial activity.

He holds a degree in Economics and Business Administration from the University of Barcelona and an MBA from the European University in Munich. He has also taken several courses in corporate finance.

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Eloi Noya

Managing Director

20 years of experience as an executive in banking industry, in the areas of Risk, Corporate Business, International and Marketing. He is co-founder of the alternative financing platform LoanBook Capital. He also develops a teaching activity at ESADE Business School and other academic institutions, where he teaches fintech, alternative and entrepreneurial finance, as well as digital business models. He is an advisor to early stage companies.

He holds a degree in Business Administration and Management from ESADE, a degree in Law from the UOC and an Executive Master in Digital Business from ESADE. He has taken several executive programmes at the Instituto de Empresa and Pompeu Fabra University. He is fluent in English, French and Italian.

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Josep Bermúdez

Head of Consulting

Professional career developed in the banking sector as a manager for more than 10 years, leading multidisciplinary teams.

Wide experience in financial consulting, developing for the last 4 years specialized consultant role in finance and as a freelance CFO.

Degree in Statistics and Marketing from the University of Barcelona. Further training oriented to finance, PMD’14 and Master Corporate Finance’15 by ESADE.

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Josep Maria Poblet

Consultant Associate

With more than 22 years of experience in the banking sector, Josep Maria has developed his professional activity mainly as head of SME Corporate Banking Office of a large Financial Institution.

Josep Maria holds a degree in Business Studies from the University of Barcelona and has obtained the title of European Financial Advisor (EFA).

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Marc Ballesteros

Consultant Associate

More than 23 years experience in top level financial institutions, developing his professional career in managerial functions in the Business Area, and in the last 7 years in the Large Corporations division, in the area of Catalonia, the Basque Country and Aragon.

Economic education at the University of Barcelona, as well as technical architecture studies at the UPC, participating in several risk analysis courses and financial analisis such as the EFA (European Financial Advisor) degree.

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Beatriz Guerra Benito


Beatriz joined up to the company in 2016 carrying out the job of financial analysis and businesses of companies that request the services of Altria Corpo.

She has a degree in Business Administration and Management from the University of Extremadura and a Master of European Financial Advisor from the University of Barcelona. She has also taken several courses related to the world of finance.

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Sergi Martinez

Consultant Associate

Banking Manager professional with 24 years of experience dealing with SME and institutional customers, leading commercial teams to define and execute the different business plans. Specialist in financial analysis of SMEs, he collaborates with several business schools in financial education.

Degree in Actuarial and Financial Sciences – Business Administration Management from the University of Barcelona and Executive Master from EAE. He has also done several specialized courses in corporate finance.

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Oriol Martí

Consultant Associate

Banking background with more than 15 years of experience in different management positions within the Corporate Area, in Barcelona and Madrid, and internationally, Hamburg.

With an entrepreneurial mindset and with extensive experience in financial advice, he has developed financial and management skills in small companies in different sectors for the last 5 years.

Degree in Economics from UPF and Master’s Degree in Financial Management from ESADE.

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Joan Marinel·lo

Consultant Associate

Profesional Management background over 25 years in Corporate Banking of two important Spanish Banks and endeavouring a new professional career in a Fintech managing alternative funding for Small and Medium Enterprises.

Education in Economic and Business Sciences at the University of Barcelona complemented with courses in finance, international business, foreign trade and business management.

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Jesús Llurba i Pons

Consultant Associate

With more than 24 years of experience in the banking sector, Jesus has developed his professional career as a business account manager, exercising different positions of responsibility as well as advising a great sort of companies and businesses.

Bachelor’s Degree in Business from the University of Barcelona, he has also participated in several courses and seminars, both risk analysis and team leadership, with the prestigious consulting firm Otto Walter.

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Emili Massallé

Consultant Associate

More than twenty-five years as a manager in Corporate Banking.

Education in Economics and History from the University of Barcelona, carrying out several courses and a Post-Graduate degree in subjects related to financial management, corporate finance and business management.

Large experience in providing financial services.

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Joan Cuixart

Advisory Board

With more than 30 years of experience developing executive and commercial management functions and responsibilities in a top level Financial and Real Estate group.

Commercial Manager of a Factoring company, Manager of a Banking Branch focused on managing SME, Commercial Deputy Director of a Real Estate company and Head of  Funding of Construction Developing Projects, as well as Director of Risk Financial Analysis and Control in this kind of projects.

Education in Economics and Finance at the University of Barcelona and Institut d’Estudis Financers (Barcelona).

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