Experience

Horus Development Finance

• France
• Business Consulting and Services
• 1 - 100 Employee

• Senior Expert Digitalization

  • Apr 2023 - Jun 2023

  Study (commissioned by Luxemburg INGO ADA) of opportunities for digitalization of the LuxDev 126 Village Credit Schemes established in 3 provinces: status of the digital eco-system, identification of opportunities with assessment of the impact on sustainability. Study (commissioned by Luxemburg INGO ADA) of opportunities for digitalization of the LuxDev 126 Village Credit Schemes established in 3 provinces: status of the digital eco-system, identification of opportunities with assessment of the impact on sustainability.



UNICEF

• United States
• Non-profit Organizations
• 700 & Above Employee

• Social Protection Consultant

  • Jan 2022 - Oct 2022

  Supporting the Ministry of Labour & Social Welfare implementing the Mother & Early Childhood Grant pilot: processes and MIS to cover beneficiaries' registration and follow-up, grants distribution via a Payments Services Provider, Monitoring & Evaluation. Coaching of UN Volunteers to support MLSW operations in districts and Village Health Centers. Research and advocacy for non-contributory Social Protection. Supporting the Ministry of Labour & Social Welfare implementing the Mother & Early Childhood Grant pilot: processes and MIS to cover beneficiaries' registration and follow-up, grants distribution via a Payments Services Provider, Monitoring & Evaluation. Coaching of UN Volunteers to support MLSW operations in districts and Village Health Centers. Research and advocacy for non-contributory Social Protection.



Freelance

• Egypt
• Human Resources
• 1 - 100 Employee

• Consultant - Economy & Social Inclusion, Digital economy

  • Jan 2020 - Dec 2021

  Subjects: environmental-friendly commercial agriculture, digitization of social transfer payments and international remittances, registration of informal workers, refinancing of credit to MSMEs via banks & MFIs. Clients served: World Bank (Social Protection & Forest Carbon Partnership Facility), FAO, GIZ, UN-ESCAP, KfW, Lao Microfinance Association. Subjects: environmental-friendly commercial agriculture, digitization of social transfer payments and international remittances, registration of informal workers, refinancing of credit to MSMEs via banks & MFIs. Clients served: World Bank (Social Protection & Forest Carbon Partnership Facility), FAO, GIZ, UN-ESCAP, KfW, Lao Microfinance Association.



UNCDF

• International Trade and Development

• Chief Technical Advisor Inclusive Finance

  • Feb 2014 - Dec 2019

  Lead the $9.8mn 8-year MAFIPP (Making Access to Finance more Inclusive for Poor People) Programme implemented by Bank of Lao and kick-started the Fund for Inclusive Finance (FIF), to spearhead innovation and alternative distribution channels to better serve the poor and rural people. Guided the drafting of the Financial Inclusion Roadmap 2018-2025 adopted by Bank of Laos. Induced the creation of a favorable regulatory environment for digital financial services using banking agents… Show more Lead the $9.8mn 8-year MAFIPP (Making Access to Finance more Inclusive for Poor People) Programme implemented by Bank of Lao and kick-started the Fund for Inclusive Finance (FIF), to spearhead innovation and alternative distribution channels to better serve the poor and rural people. Guided the drafting of the Financial Inclusion Roadmap 2018-2025 adopted by Bank of Laos. Induced the creation of a favorable regulatory environment for digital financial services using banking agents /digital wallets. Expanded sectoral dialogue with Government, UN agencies and donors.

• Chief Technical Advisor

  • Jan 2012 - Jan 2014

  Managed the INFUSE program (5 year with $5.5mn budget) to promote financial inclusion through an enabling regulation, support to local MFIs on their transformation path with grants and loans, and raising the overall capacity in the sector and among consumers. Activities covering MFI regulation, microinsurance, MFI investment and upscaling, financial education, mobile money.



Belgian Technical Cooperation

• MicroFinance expert

  • Dec 2007 - Jan 2012

  Microfinance advisor to the Women's Union (VWU), a prominent Vietnamese Mass Organization: • Implementation of the transition from unsustainable direct credit delivery towards an apex conduit providing refinancing and capacity-building to grassroots MFIs supported by VWU; • Setup of the Microfinance (MF) Performance Unit at VWU headquarters in charge of collecting, synthesizing and analyzing data on the delivery of financial services through the VWU • Reorganization of the reporting… Show more Microfinance advisor to the Women's Union (VWU), a prominent Vietnamese Mass Organization: • Implementation of the transition from unsustainable direct credit delivery towards an apex conduit providing refinancing and capacity-building to grassroots MFIs supported by VWU; • Setup of the Microfinance (MF) Performance Unit at VWU headquarters in charge of collecting, synthesizing and analyzing data on the delivery of financial services through the VWU • Reorganization of the reporting for the Vietnamese-Belgian Credit Program (peaked at 40,000 clients). Planification of program phasing-out. Show less Microfinance advisor to the Women's Union (VWU), a prominent Vietnamese Mass Organization: • Implementation of the transition from unsustainable direct credit delivery towards an apex conduit providing refinancing and capacity-building to grassroots MFIs supported by VWU; • Setup of the Microfinance (MF) Performance Unit at VWU headquarters in charge of collecting, synthesizing and analyzing data on the delivery of financial services through the VWU • Reorganization of the reporting… Show more Microfinance advisor to the Women's Union (VWU), a prominent Vietnamese Mass Organization: • Implementation of the transition from unsustainable direct credit delivery towards an apex conduit providing refinancing and capacity-building to grassroots MFIs supported by VWU; • Setup of the Microfinance (MF) Performance Unit at VWU headquarters in charge of collecting, synthesizing and analyzing data on the delivery of financial services through the VWU • Reorganization of the reporting for the Vietnamese-Belgian Credit Program (peaked at 40,000 clients). Planification of program phasing-out. Show less



IFC - International Finance Corporation

• United States
• Financial Services
• 700 & Above Employee

• Microfinance expert

  • Oct 2007 - Nov 2007

  Preparation of strategic orientations for the Microfinance summit in Phnom Penh (29-30Nov07) Preparation of strategic orientations for the Microfinance summit in Phnom Penh (29-30Nov07)



Emerging Markets Consulting (EMC)

• Cambodia
• Business Consulting and Services
• 1 - 100 Employee

• Consultant

  • Jan 2007 - Sep 2007

  • Strategy formulation for a development agency and the income generating activity of an NGO • Financial modeling and business planning for various types of activity: institutional body, real-estate project, income-generating activities from NGOs. • Strategy formulation for a development agency and the income generating activity of an NGO • Financial modeling and business planning for various types of activity: institutional body, real-estate project, income-generating activities from NGOs.



Amret

• United States
• Financial Services
• 1 - 100 Employee

• Technical Assistant

  • Jun 2004 - Jan 2007

  • Managed the migration from an in-house loans tracking software toward a professional suite, Microbanker, and extended services to branch transactions and foreign currency products: - consensus building over a compromise between user requirements and customization possibilities; - reengineering of the architecture for data aggregation liaising with a new accounting software; - design of branch internal procedures. Results : business continuity under a 50% annual… Show more • Managed the migration from an in-house loans tracking software toward a professional suite, Microbanker, and extended services to branch transactions and foreign currency products: - consensus building over a compromise between user requirements and customization possibilities; - reengineering of the architecture for data aggregation liaising with a new accounting software; - design of branch internal procedures. Results : business continuity under a 50% annual breathless growth; decentralization of MIS to 35 sites vs. 6 initially. Introduced products amounted to 43% of individual credit at end 2006. • Capacity-building on IT administration, IT project management and documentation. Prepared other department managers for taking over ownership of the new organizational model. Show less • Managed the migration from an in-house loans tracking software toward a professional suite, Microbanker, and extended services to branch transactions and foreign currency products: - consensus building over a compromise between user requirements and customization possibilities; - reengineering of the architecture for data aggregation liaising with a new accounting software; - design of branch internal procedures. Results : business continuity under a 50% annual… Show more • Managed the migration from an in-house loans tracking software toward a professional suite, Microbanker, and extended services to branch transactions and foreign currency products: - consensus building over a compromise between user requirements and customization possibilities; - reengineering of the architecture for data aggregation liaising with a new accounting software; - design of branch internal procedures. Results : business continuity under a 50% annual breathless growth; decentralization of MIS to 35 sites vs. 6 initially. Introduced products amounted to 43% of individual credit at end 2006. • Capacity-building on IT administration, IT project management and documentation. Prepared other department managers for taking over ownership of the new organizational model. Show less



Entrepreneurs du Monde

• France
• Civic and Social Organizations
• 100 - 200 Employee

• Country Program Manager

  • Feb 2003 - May 2004

  • Establishment from scratch of a network of savings & loan cooperatives in Phnom Penh ‘CMSC Network’: definition of terms & conditions, recruitment of staff, location of branches. • Adaptation of an in-house banking software to manage 2 currencies, definition of procedures. • Representation to local authorities → obtained authorizations to operate • Establishment from scratch of a network of savings & loan cooperatives in Phnom Penh ‘CMSC Network’: definition of terms & conditions, recruitment of staff, location of branches. • Adaptation of an in-house banking software to manage 2 currencies, definition of procedures. • Representation to local authorities → obtained authorizations to operate



LCL

• France
• Banking
• 700 & Above Employee

• Strategy consultant

  • Jan 2001 - Jan 2003

  • Retail banking individuals & professionals segments: study of opportunity and definition of experiments to be undertaken regarding electronic signature (PKI) and interactive TV. • Operational support to the development and commercial operations of the group 100% online branch and Internet broker. • Threats and opportunities study related to the commercialization by the retail industry of banking cards and other financial products. • Retail banking individuals & professionals segments: study of opportunity and definition of experiments to be undertaken regarding electronic signature (PKI) and interactive TV. • Operational support to the development and commercial operations of the group 100% online branch and Internet broker. • Threats and opportunities study related to the commercialization by the retail industry of banking cards and other financial products.



Accenture

• Ireland
• Business Consulting and Services
• 700 & Above Employee

• Strategy consultant

  • Aug 1998 - Jun 1999

  • Global strategy of multimedia services usage (vocal and on-screen inter–active services) for Bouygues Telecom leading to the general and detailed designs of user interfaces for customer self-care applications. • Crédit Agricole: designs of vocal/screen user interfaces and of a banking service on mobile phones using text messages. • Global strategy of multimedia services usage (vocal and on-screen inter–active services) for Bouygues Telecom leading to the general and detailed designs of user interfaces for customer self-care applications. • Crédit Agricole: designs of vocal/screen user interfaces and of a banking service on mobile phones using text messages.



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• In charge of home-banking services for private clients

  • Nov 1994 - Jul 1998

  • Creation and launch of BancoPC, 1st online PC-banking software for private clients in France. • Creation of the Internet version. Commercialization with online subscription. • Creation and launch of BancoPC, 1st online PC-banking software for private clients in France. • Creation of the Internet version. Commercialization with online subscription.