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Sergio Manzano is an experienced professional in innovation and value-added services, currently serving as the Head of Innovation and Value-added Services at Crédito y Caución since January 2013. Previously, Sergio held significant roles within Crédito y Caución, Atradius Group, from January 2003 to January 2012, including the responsibilities of the area of Commercial Management and Planning, as well as Commercial Training. Sergio's educational background includes a Master's degree in Business Sciences from the University of Birmingham and a Bachelor's degree in Economics from Universidad de Alcalá.