The People Behind ITALCREDI
ITALCREDI's team combines decades of experience in consumer credit, payroll systems, and regulatory compliance. We are a relatively small organisation by design — small enough to maintain close relationships with our borrowers and partners, but experienced enough to handle complex financing structures with confidence. Our leadership team sets the tone for how we work: transparently, responsibly, and always with the borrower's long-term financial wellbeing in view.
Marco Ferrentino
Chief Executive Officer
Marco has spent over 20 years in non-bank consumer finance, leading product development and regulatory strategy across several European markets. He founded ITALCREDI on the principle that salary-backed lending, done responsibly, is one of the most socially valuable forms of consumer credit. Under his leadership the company has built a reputation for transparency and reliability among both individual borrowers and employer partners.
Carla Meneghetti
Head of Credit & Risk
Carla oversees all underwriting decisions and portfolio risk management at ITALCREDI, bringing a background in actuarial science and credit analytics. She developed the income-linked affordability model that underpins every loan ITALCREDI issues, calibrating it continuously against repayment performance data. Her team's work is central to maintaining the low default rates that allow ITALCREDI to offer competitive pricing to borrowers.
Lorenzo Battipaglia
Head of Employer Partnerships
Lorenzo manages ITALCREDI's relationships with corporate and public sector employers who participate in the payroll deduction programme. He has negotiated and implemented partnership agreements with organisations ranging from small businesses to large public authorities, adapting the programme to each organisation's specific payroll infrastructure. His work directly expands the number of employees who can access ITALCREDI's most affordable loan products.
Silvia Rondanini
Head of Pensioner Services
Silvia leads the dedicated team that manages all pension-backed loan products and partnerships with retiree associations. She has worked exclusively in pensioner-focused financial services for 15 years and brings deep knowledge of pension fund administration and the specific credit needs of retired individuals. Her team is responsible for ensuring that every pensioner borrower receives clear communication and appropriate loan terms throughout their relationship with ITALCREDI.
Andrea Costantini
Chief Technology & Operations Officer
Andrea oversees ITALCREDI's digital application platform, borrower portal, and payroll integration systems, ensuring that technology supports rather than complicates the lending process. He has a background in fintech infrastructure and has led the build of ITALCREDI's secure document processing and real-time loan management tools. His focus is on making every technical touchpoint as simple and reliable as possible for both borrowers and employer partners.