Experience

IPC

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

• IPC Gmbh -Banking and Governance Expert advising Rural Electrification Fund (REF) in Ethiopia.

  • août 2022 - - aujourd’hui



AFFICO

• Principal

  • juin 2011 - sept. 2022

  Short term consultancy and long term bank management work carried out in diverse markets in Africa, Europe and Asia. AFFICO = Access For Financial Inclusion Consultants Organization. Financial Adviser to an Ethiopian Geothermal project. Short term consultancy and long term bank management work carried out in diverse markets in Africa, Europe and Asia. AFFICO = Access For Financial Inclusion Consultants Organization. Financial Adviser to an Ethiopian Geothermal project.



Triple Line

• United Kingdom
• Business Consulting and Services
• 1 - 100 Employee

• Senior Consultant

  • sept. 2018 - avr. 2019

  Research the provision of financial services and the level of financial literacy in the area of Ethiopia lying below 1500 metres elevation - the Ethiopian lowlands. Visit Somali and SNNP regions to interview CEOs of financial institutions about the best practice that they employ, and also the constraints that they experience in bringing financial products to the people. Conduct validation at the MFI apex organisation and other stakeholders. Make recommendations to improve lowlands penetration for financial services in Islamic and non-Islamic regions. Provide material for detailed reporting to DFID to aid a master plan to improve economic performance of the lowlands. DFID made the findings available to GoE and the World Bank. and the latter recently (May 2019) announced $350million in grants and loan support to the pastoralists of the Lowlands.Research the level and nature of Foreign Direct Investment in Ethiopia with particular interest in the lowlands. Visit Hawassa Industrial Park, the Ethiopian Investment Commission, investors and other stakeholders to ascertain the best practice that they employ, and also the constraints that they experience with particular regard to the lowlands investments. Report the findings and recommendations to help skew future FDI to the lowlands with the aim of closing the economic performance gap between lowlands and highlands areas.



Foreign and Commonwealth Office/British Embassy Tunis/ASI

• SME Consultant to Tunis Stock Exchange (TSE)

  • févr. 2017 - avr. 2017

  SME Consultant to assess a project to finance SME companies through listing or private equity placement via the TSE.The research for the project entailed interviewing TSE staff, stockbrokers, market makers, private equity companies, banks, SME loan programs, investment banks, listed and non-listed companies, EBRD, EIB, AfDB, World Bank, Ministry of Finance, and the Ministry of Industry.The findings and recommendations were used to develop a plan which was presented to concerned parties. The outcome was the committing of an initial £3.5 million for the partial underwriting of listing/placement fees to act as a catalyst to stimulate SME financing through a route other than loan financing.



DAI

• United States
• International Trade and Development
• 700 & Above Employee

• Micro Finance / MSME / SME Expert

  • juil. 2013 - déc. 2016

  Micro Finance/MSE Expert for Agricultural Credit, Addis Ababa, Ethiopia – LIFT programme.The Land Investment For Transformation (LIFT) Programme is DFID funded, and aimed to improve the incomes of the rural poor and to enhance economic growth, through three components: the development of second level land certification (SLLC); improved rural land administration; and the development of rural land systems following the ‘making markets work for the poor’ (M4P) approach. The M4P component had among its interventions one to ensure that the benefits of land certification are maximized particularly through access to credit in the agriculture market. This entailed development of a new agricultural individual loan product linked to the SLLC, including value chain analysis and crop seasonality research. The analysis and selection of participating financial institutions also formed part of the brief. The engaged MFIs were trained on the loan product at H.O., Regional and branch level. Part of the brief was to design the M and E structure to meet DfID's required impact.Previously worked on the World Bank's Women Entrepreneurship Development Programme (a component of DfID's Private Enterprise Programme Ethiopia(PEPE) in Addis Ababa. The programme disbursed loan capital of $42 milllion to 8 MFIs for onlending to urban-based women, the 'Missing Middle' of female clients not currently well supported by the financial sector. Geographical areas of activity were Bahir Dar, Mekele, Addis Ababa, Hawassa, and Dire Dawa. The programme had a substantial Technical Assistance component including Savings Mobilization and Corporate Governance modules. Work included the selection and engagement of STTA consultants in the fields of Loans, Savings, IT, Risk Management, Marketing, and H.R.



USAID Tijara

• Senior Bank Advisor

  • oct. 2011 - janv. 2013

  SME specific segment program-focused on Iraqi Vulnerable Groups Support for displaced people who had businesses but needed SME loan financing to generate income for their families and to create jobs in their new locations. This program was operated in 7 provinces of Iraq through 5 partner banks which were contracted to receive and place tranches of loan capital with the IVGS clients. Subsequent repayments are recycled into loans for the same purpose. SME specific segment program-focused on Iraqi Vulnerable Groups Support for displaced people who had businesses but needed SME loan financing to generate income for their families and to create jobs in their new locations. This program was operated in 7 provinces of Iraq through 5 partner banks which were contracted to receive and place tranches of loan capital with the IVGS clients. Subsequent repayments are recycled into loans for the same purpose.



State Bank

• Mongolia
• Banking
• 1 - 100 Employee

• Chief Operating Officer and Deputy CEO

  • oct. 2010 - juil. 2011

  Member of the senior management team from EBRD for a bank which had been restructured. This entailed effective full time management of the bank while writing a strategic plan for sustainable profit in order to make the bank an attractive investment under its privatization plan. Member of the senior management team from EBRD for a bank which had been restructured. This entailed effective full time management of the bank while writing a strategic plan for sustainable profit in order to make the bank an attractive investment under its privatization plan.



World Vision

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

• Regional Business Development Manager

  • août 2008 - août 2010

  Based in Addis Ababa, Ethiopia to further the interests of VisionFund Microfinance institutions in Afica , and particularly at Wisdom Microfinance in Ethiopia where a software change and a $3 million Gates foundation savings program grant were achieved Based in Addis Ababa, Ethiopia to further the interests of VisionFund Microfinance institutions in Afica , and particularly at Wisdom Microfinance in Ethiopia where a software change and a $3 million Gates foundation savings program grant were achieved



FINCA International

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

• Country Manager, Malawi

  • juil. 2006 - août 2007

  CEO of 20 branch microfinance network. Expanded this to 30 with a $1 million grant from DFID for a 10 rural branch project within a collaboration with a local commercial bank in Malawi CEO of 20 branch microfinance network. Expanded this to 30 with a $1 million grant from DFID for a 10 rural branch project within a collaboration with a local commercial bank in Malawi



Liberty Bank plc, Lagos ,Nigeria

• CEO

  • juil. 2004 - août 2006

  CEO of a bank requiring rehabilitation within a collaboration with the Central Bank of Nigeria CEO of a bank requiring rehabilitation within a collaboration with the Central Bank of Nigeria



FSB International Bank plc

• Deputy CEO and COO

  • août 1999 - août 2002



Stanbic Bank (Standard Bank of South Africa)

• Senior Credit Manager,Sub-Saharan Africa and CMA countries

  • mars 1998 - juin 1999



CDC, DEG and FMO working with Tanzania Development Finance Company Limited

• Senior Transition Consultant

  • 1997 - 1998



Crown Agents

• United Kingdom
• International Trade and Development
• 400 - 500 Employee

• Deposit Mobilisation Specialist ADB TA No. 2642-LAO

  • 1997 - 1997



New Capital Bank PLC

• CEO

  • 1991 - 1997

  Consultant then CEO of Capital Bank which was recapitalised under a Scheme of Arrangement and debt/equity swap of Zambian sovereign debt by Cavmont. The bank was re-registered and re-licensed as New Capital Bank and is now known as Cavmont Capital bank. Consultant then CEO of Capital Bank which was recapitalised under a Scheme of Arrangement and debt/equity swap of Zambian sovereign debt by Cavmont. The bank was re-registered and re-licensed as New Capital Bank and is now known as Cavmont Capital bank.



Bank of America

• Senior Manager-Malawi, Corbank Officer-EMEA office, Problem Loan Officer, Nigerian affiliate bank

  • 1980 - 1989



Societe Generale

• Senior Manager

  • sept. 1977 - août 1980

  Worked on the setting up of Societe Generale Bank ( Nigeria) Limited by helping with the establishment of the Lagos Head Office, and then opening the Ilorin and Kaduna branches. Worked on the setting up of Societe Generale Bank ( Nigeria) Limited by helping with the establishment of the Lagos Head Office, and then opening the Ilorin and Kaduna branches.



Barclays Bank International Limited

• Senior Manager

  • août 1965 - août 1977

  Senior Management Positions mainly in West Africa, commencing with post Biafran war Nigerian branches rehabilitation. Senior Management Positions mainly in West Africa, commencing with post Biafran war Nigerian branches rehabilitation.