Francisco has more than ten years’ experience in banking and financial services. Born in Madrid, he studied Industrial Engineering at ICAI School of Engineering of the U. Pontificia de Comillas and an MBA at IESE Business School. He started his career in investment banking at JP Morgan before moving on to venture capital at Active Venture Partners. Prior to joining N26, he held two senior positions at Funding Circle as Managing Director for Spain and as Head of Strategy and Business Operations for the US. In the beginning of 2018, Sierra joined N26 as General Manager Spain and now is Head of European Markets with the mission of tailoring a global strategy for local success.