EOS Group is an international expert in receivables management.

Financial investor

globally connected driven by technology and entrepreneurial spirit

We take care of your liquidity and your customers.

Spanish subsidiary of the EOS Group, we are leaders in global credit management services, at a national and international level, specialized in the purchase of NPL’s Secured and Unsecured.

With over 25 years of experience and a staff of more than 200 specialists in credit management, we offer customized solutions in order to optimize our clients resources and to take care of their relationships with their customers.

Our compromise is to facilitate the way towards an evolutionary and sustainable economy in the long term.


This is where we are located in Spain.

The heads supporting our talents.

Manuel González, Managing Director joined Acción de Cobro when the company started in 1996. Previously he had worked for the construction company Cubiertas MZV. Manuel González studied Business Administration at IEDE Business School, in Madrid.

Carlos Lorenzo, Managing Director of EOS Spain since 2019. Until this appointment, Carlos was Director of Operations at national and European level in different multinationals of the financial sector. With 20 years of experience, he has held various senior management positions, leading the development of new business lines and NPL's management in the field of consumer loans, auto and mortgages in Switzerland, Spain, Italy, Poland and Portugal. Carlos has a degree in economics graduated in economics from the HSO of Zürich.

Matilde Rial Matilde Rial, Director of the Debt Collection Department, has worked with the company since its founding in 1996. Before joining Acción de Cobro, she worked for Pastor Serfin. Matilde Rial holds a diploma in Business Administration from the University of A Coruña, in Galicia.

José Miguel Vázquez, Financial Director, has worked for the company since 1999. He was previously employed at Pastor Serfin and Locamo Controle de Crédito in Portugal. José Miguel Vázquez holds a degree in Economics from the University of Santiago de Compostela, in Galicia.

Víctor Artés de Arcos, Head of Sales, joined the company in 1999 after having worked for several Banco Pastor companies in the field of leasing and consumer finance.

Víctor Sánchez was appointed Head of the IT Department in 1999. Before joining the company, he worked for Universal Support, a Banco Pastor Group company. He studied Technical Engineering in computer systems.

Mª Raquel Pérez, Legal Director of EOS Spain, joined the company in 1998. Raquel is a lawyer graduated from the University of a Coruña (Galicia) with a long term experience in the judicial revovery of debts activity.

Marta Pereiro, Head of HR since January 2020. She is passionate about managing people with more tan 15 years of experience in prestigious companies, in which she has held positions as Director of Talent Management and People Manager. In these years, Marta has led strategies for identfication, recruitment and loyalty of talent, as well as training, organization and transformation projects. Marta has a degree in psychology and has a Coaching Certification Program endorsed by AIC, International Coaching School. In addition, she is speaker and trainer in different business schools and universities such as IFE Business School, CESUGA or the School of Labor Relations of A Coruña.

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