32 rue du Maroc, RBE, Marsa Corniche 2070 La Marsa Tunisia
Contact Vision Finance Tunisia
COUNTRY REPRESENTATIVE:
CLAUDE JEAN GUILLEMAIN
Tel: + 216 71 778 379 Cell: +216 21 835 359 Skype: klaodguillemanin
with Vision Finance since February 2011
 EDUCATION & QUALIFICATIONS
Institution Institut Technique de Banque (ITB) - ParisDate 1970 - 1972 Degree : Financial Markets
Institution Ecole Supérieure de Commerce et d'Administration des Entreprises – Reims Management School Date 1965 - 1968 Degree: Master in Business Administration Specialisation Degree: Marketing and Foreign Trade
MEMBERSHIP OF PROFESSIONAL BODIES: from/until | Country | Organisation | 2001/now | Brussels | SIFRA : Member of SIFRA, Microfinance Networking Facilitators - Brussels http://www.sifra.org/ | 2008/now | La Marsa | RBE : Managing director of RBE, a professional consulting firm, based in Tunisia http//rbe-suarl.com | 2006/now | Paris | AFECTI: Member of AFECTI, a professional association of francophone International experts in Technical Cooperation (based in Paris) http://www.afecti.org | 2008/now | Luxembourg | E-MFP: EUROPEAN MICROFINANCE PLATFORM. Associate Member – Individual, of the European Microfinance Platform, networking with the South (based in Luxembourg) http://www.microfinance-platform.eu |
PROFESSIONAL EXPERIENCE: · RBE : MANAGING DIRECTOR OF RBE S.U.A.R.L., A PROFESSIONAL CONSULTING FIRM, BASED IN TUNISIA · SENIOR EXPERT: RURAL FINANCE AND MICRO FINANCE Micro Finance Systems Guarantee Funds Rural Finance SME & Micro Enterprise Finance. Training and financial services
Project management with demonstrated experience in international relations.Experienced banker and consultant, holding a number of senior positions with the French private commercial bank Crédit Agricole. In addition, worked for two years, on a part time basis, as a trainer with the CFPB (French Banking Training system for bank staff and executives). Crédit Agricole technical assistance programmes manager. Team leader of three long-term missions (Togo, Sultanate of Oman, Malawi). Managing Director of a Consulting firm (2008 till now) : RBE - Consultancy work centred in the areas of private sector and SMEs development, Micro Finance, Rural Finance, Agricultural & Micro Insurance. Consultancy work for the European Commission (PHARE, TACIS, MEDA), EBRD and World Bank, FAO, IFAD, Agence Française de Développement (AFD), in a variety of countries including Central Europe, Mediterranean region, Asia, Middle East, Africa. Senior Expert : Private Sector Support, SMEs development, Rural Finance and microfinance (development, training and financial services) (consultancy, MEDA TEAMS Brussels) Expert registered in the roster of EUROPEAID EU individual experts for technical assistance to third countries in the area of humanitarian aid Expert registered in the roster of CGAP http://www.microfinancegateway.org/p/site/m//template.rc/1.9.31348 Relevant experience in working under Indefinite Delivery Contracts (Framework Contracts with European Commission): Lithuania, Romania (1996, 1997, 1998)
COUNTRIES OF WORK EXPERIENCE: · CENTRAL EUROPE (2 years): Lithuania, Romania, Ukraine, Moldova · CENTRAL ASIA Turkmenistan · ASIA (2 years): Philippines, Vietnam, Laos, Cambodia, Thailand, India · NORTH AFRICA (5 years): Egypt, Algeria, Morocco, Tunisia · MIDDLE EAST (5 years): Oman, Emirates, Saudi Arabia, Jordan, Yemen, Iraq · AFRICA (9 years) : Côte d'Ivoire, Zimbabwe, Togo, Rwanda, Burundi, Burkina Faso, Mali, Central African Republic, Comoros, Ethiopia, Benin, Uganda, Malawi, Mozambique, Ghana, Kenya WORKING EXPERIENCE · European Commission, both at headquarters in Brussels (DG Development,, DG External Relations (RELEX) EUROPEAID and in projects : ASIA, PHARE, TACIS, MEDA ) · British, Swedish, French, Dutch, Lithuanian, Belgian and Italian private consulting companies· EBRD, World Bank, FAO, IFAD, CFD projects · French banking training centres, French private commercial banks
PROFESSIONAL EXPERIENCE RECORD Date | November 2009 – April 2010 | Location | AFRICA | Company | MAXWELL STAMP (GB) for a GTZ Programme | Position | Agricultural Finance Senior Expert in "Partnership for Making Finance Work for Africa" (MFW4A) Value Chain Finance analysis. | Description | The objective of this consultancy is to identify best practices and lessons learned in agricultural finance in four African countries (Ethiopia, Kenya, Ghana, Burkina Faso) Responsible to undertake a gap analysis, and recommend specific interventions for policy makers and development agencies in Africa. Three key objectives: 1. To obtain a snapshot of agricultural finance at present time 2. To catalogue developments and experiences in agricultural finance to date 3. To assess the potential for innovative financial instruments to play a role in the development of the agricultural sector. |
Date | November 2008 | Location | TUNISIA | Company | RBE | Position | Chairman, Managing Director | Description | Responsible for the performance of the company: · determining the company’s strategic objectives and policies; · monitoring progress towards achieving the objectives and policies; · appointing management; · accounting for the company’s activities to relevant parties, e.g. partners and experts |
Date | September 2007 | Location | MALI | Company | DANIDA – Danish Cooperation | Position | Senior Expert: Microfinance & Guarantee Funds | Description | Responsible for evaluation of the microfinance component in PAPESPRIM, a programme developed by DANIDA to benefit the private sector in Mali, improving access to credit for specific target groups, and improving guarantee funds. | | | Date | June 2006 | Location | UKRAINE | Company | ICON INSTITUTE Germany for TACIS | Position | Senior Expert: Rural Finance and Cooperative Banking Advisor | Description | Responsible for evaluation of Credit Unions system and analysis of rural financial market in Ukraine |
Date: | March 2005 to April 2005 | Location | UGANDA | Position: | Senior Expert - Rural Finance and Micro Finance Advisor | Company : | SATEC for ACSS Project implemented in conjunction with the French Ministry of Foreign Affairs and the Ugandan Ministry of Agriculture | Description : | Improvement of the credit offer for the Dairy Sector in Mbarara District (Uganda). |
Date: | April 2002 to April 2004 | Location | MALAWI | Position: | Senior Expert - Rural Finance and Micro Finance Advisor (Lilongwe Malawi) | Company : | European Commission AIDCO | Description : | Micro Finance Advisor to the Malawian Ministry of Agriculture, Irrigation and Food Security, EU Delegation in Malawi (Food Security Programme) | | | Date: | October 1998 to December 2001 | Location: | BRUSSELS - BELGIUM | Position: | Senior Expert - MEDA TEAMS (Brussels) European Commission EUROPAID | Company : | ECO / MEDA Technical Assistance Programme funded by EU | | | Date: | July 1998 | Location : | TURKMENISTAN | Company : | SWEDEAGRI Consortium / TACIS Programme funded mission | Position : | Rural Credit Specialist | Description : | Policy advice to support Farmers Associations |
Date : | December 1997 - June 1998 (6 missions) | Location : | ROMANIA | Company : | FIDA / ATA (Agriconsulting) Consortium / PHARE Programme funded mission | Position : | Team Leader of two studies : Agricultural Insurance & Rural Finance |
Date : | January 1998 - May 1998 (3 missions) | | July 1997 - September 1997 (1 mission) | Location : | LITHUANIA | Company : | FIDA / ATA (Agriconsulting) Consortium / PHARE Programme funded mission | Position : | Team leader & Co-ordinator of the Rural Credit Guarantee Fund (RCGF) | Date : | November - December 1997 | Location : | IVORY COAST | Company : | BCST Consulting / Ivory Coast’s Chamber of Agriculture - Ivory Coast funded mission | Position : | Team Leader / Rural Banking Expert | Description : | Feasibility Study of a new Agricultural Bank. |
Date : | September 1996 - March 1997 (3 missions) | Location | LITHUANIA | Company | IDC / Landell Mills Consortium / PHARE Programme funded mission | Position | Team Leader - Rural Credit Guarantee Fund (RCGF) |
Date: | September 1996 - February 1997 | Location | UKRAINE | Company | ATHOL / CLINVEST Consulting / EBRD + French Treasury funded mission | Position | Head of Project | Description | Technical Assistance to AGIO Bank - KIEV. |
Date : | February 1996 | Location | MOLDOVA | Company | AGRAL Consulting / TACIS funded mission | Position | Team Leader | Description | Mission to Moldova to identify rural credit project for TACIS financing |
Date: | May - June 1995 | Location | PHILIPPINES | Company | AGRAL / SETA Consortium / EU Funded project | Position | Rural Finance Expert | Description | Responsible for the preparation of the second phase of CECAP Project. |
Date : | November 1994 - February 1995 (2 missions) | Location | CAMBODIA | Company | AGRAL / SETA Consortium / EU Funded project | Position | Rural Finance Expert | Description | Support mission for the setting up of rehabilitation of agricultural sector programme (PRASAC). |
Date: | October 1994 | Location | ETHIOPIA | Company | CREDIT MUTUEL / AGRAL / World Bank funded mission | Position | SME & Rural Finance Expert | Description | Assisting CREDIT MUTUEL BANK team (France) in the Provision of Financial Services in the Private Sector with particular reference to SMEs, Micro Enterprises, small agents and individuals. |
Date: | May 1994 | Location | VIETNAM | Company | ECO Consulting / EEC funded project | Position | Team Leader / SME credit Expert | Description | Responsible for the proposed financing of the reintegration of Vietnamese returnees (EC-IP Programme). |
Date: | November 1993 | Location | ASIA | Company | SETA Consortium / EEC funded project (DG1) | Position | Rural Credit Expert | Description | Carried out an evaluation of the rural credit components in the projects financed by the EEC in Asia, Phase II. Countries covered included Nepal, India, Thailand and the Philippines.
| Date: | November 1992 - September 1993 | Location | LAOS (LAO PDR) | Company | AGRAL / FAO funded project | Position | Team Leader - Rural Credit Expert | Description | In a series of short term missions prepared and set up an international seminar on rural finance for 80 participants. Acting as resource consultant and moderator of the workshop. |
Date: | May 1992 | Location | BENIN | Company | AGRAL / IFAD funded project | Position | Rural Credit Expert | Description | Carried out a mid-term review of « Caisses Régionales et Locales de Crédit Agricole Mutuel » on a Technical Assistance Rehabilitation Project (Atacora). |
Date: | April - July 1991 | Location | VIETNAM | Company | AGRAL / FAO funded project | Position | Head of project | Description | Preparation and setting up of a National Workshop on Rural credit for 70 participants from a wide range of areas. Responsible for the seminar resources and acted as moderator of the workshop. |
Date: | March 1991 | Location | BURKINA FASO | Company | AGRAL / IRAM / CAISSE FRANCAISE DE DEVELOPPEMENT funded project | Position | Rural Credit Expert | Description | Responsible for the project of Partial privatisation of the Caisse Nationale de Crédit Agricole du Burkina Faso (CNCA - Burkina). |
Date: | February 1991 | Location | CÔTE D’IVOIRE | Company | AGRAL / AFRACA / FAO funded project | Position | Rural Credit Expert | Description | Responsible for preparation and acting as moderator of an international seminar about rural finance (NGO role and linkage with the financial institutions). |
Date: | August - September 1990 | Location | TOGO | Company | BDPA / AGRAL / CAISSE FRANCAISE DE DEVELOPPEMENT funded project | Position | Rural Credit Expert | Description | Responsible for preparation and presentation of feasibility study of a rural mutual credit scheme for village groups in SRCC Zone (West Togo, Coffee and Cocoa Planting Zone). |
Date: | May 1990 | Location | BURKINA FASO | Company | AGRAL / AFRACA / FAO + EDI funded project | Position | Head of project | Description | Undertook the preparation of an international seminar on rural financial policies in Africa (French speaking countries) and acted as moderator throughout the seminar. |
Date: | April 1990 | Location | COMOROS | Company | AGRAL / FAO funded project | Position | Rural Credit Expert | Description | Carried out a feasibility study of a rural credit strategy in the Islands, followed by the preparation and organisation of its implementation. |
Date: | February / March 1990 | Location | ALGERIA | Company | AGRAL / EEC funded project | Position | Team leader - SME credit Expert | Description | Responsible for an audit of SONELGAZ (Public Authority for Electricity and Gas) together with a feasibility study of an 8 m ECU Credit line from the EEC to promote SMEs in the sectors of electricity and gas. |
Date: | 1989 - 1990 | Location | BRUSSELS - European Commission | Company | AGRAL / EEC (DG VIII/1) project | Position | Head of Project | Description | Responsible for the study and publication of a general methodology for the feasibility of a sustainable Rural Finance System. |
Date: | November - December 1989 | Location | RWANDA | Company | AGRAL / FAO funded project | Position | Head of Project | Description | Field survey on the various principal partners of the financial market. Preparation and training for a national seminar on rural finance. |
Date: | April - May - June 1989 | Location | TOGO | Company | AGRAL / FAO funded project | Position | Head of Project | Description | Analysis of rural financial market and feasibility study of a new rural credit Institution. |
Date: | January 1989 | Location | ZIMBABWE | Company | SIBI / AGRAL / EEC funded mission | Position | Head of Mission | Description | Analysis of AFC (Agricultural Finance Corporation), rural credit Institution in Zimbabwe |
Date: | February 1987 - March 1988 | Location | PARIS - CAIRO | Company | CAISSE NATIONALE DE CREDIT AGRICOLE (CNCA) | Position | Vice President for Middle East | Description | Responsible for Credit Agricole's business development, credit operations and risks assessment in the Middle East. Analyse private & public borrowers’ performance in this area. Analysis and follow-up of countries/risks. Management 500 millions USD credit lines Management of Credit Agricole portfolio. Participation to the Credit Committee Management of CAIRO main branch in Egypt |
Date: | September 1985 - February 1987 | Location | PARIS | Company | CAISSE NATIONALE DE CREDIT AGRICOLE (CNCA) | Position | Banking and Finance International Expert Crédit Agricole Technical assistance co-ordinator | Description | Projects Management International co-operation with banks, financial institutions and development banks. Elaboration of training programmes Recruitment and management of expatriates. |
Date: | 1986 | Location | CENTRAL AFRICAN REPUBLIC | Company | CAISSE NATIONALE DE CREDIT AGRICOLE (CNCA) / FAO funded mission | Position | Team leader | Description | Backstopping and support to the Banque de Crédit Agricole et de Développement (BCAD): Audit and organisation. |
Date: | 1986 | Location | EGYPT | Company | CAISSE NATIONALE DE CREDIT AGRICOLE (CNCA) / EEC funded mission | Position | Team leader | Description | Feasibility study and settlement of a 43 million ECU’s credit line in favour of the PBDAC (Principal Bank for Development and Agricultural Credit), to finance farmers, co-operatives and SME of agricultural sector and agri-industries.
| Date: Location : Company : Position : Description | 1985 EGYPT CAISSE NATIONALE DE CREDIT AGRICOLE (CNCA) / EEC funded mission Team leader Feasibility study and settlement of an 8 million ECU’s credit line in favour of the PBDAC (Principal Bank for Development and Agricultural Credit), to finance farmers, co-operatives and SME of agricultural sector and agri-industries. |
Date : Location ; Company : Position : Description : | September 1982 - September 1985 MUSCAT - Sultanate of Oman CNCA / The OMAN BANK FOR AGRICULTURE AND FISHERIES (O.B.A.F.) Team Leader (long term technical assistance) Deputy General Manager & Manager Control and Systems Seconded from CREDIT AGRICOLE Group, France Setting up, management and control of the O.B.A.F. Data: 120 staff members, 2000 customers' USD 10 million outstanding credits. Training for 120 staff members |
Date: Location | August 1981 - September 1982 PERROS GUIREC - France. | Company | CAISSE REGIONALE DE CREDIT AGRICOLE (CRCA) | Position | Branch Manager | Description | Settlement of the Branch, management, control, credit management & resources collection |
Date: | August 1977 - August 1981 | Location | TOGO | Company | CAISSE REGIONALE DE CREDIT AGRICOLE (CRCA) / CAISSE NATIONALE DE CREDIT AGRICOLE du TOGO | Position | Team leader (Long term technical assistance) General Manager Adviser, Control and Organisation. Seconded from CREDIT AGRICOLE (France) | Description | Management of the CAISSE NATIONALE DE CREDIT AGRICOLE, agriculture development bank in TOGO. Control, training, organisation, computerisation, accounting, audit |
Date: | August 1971 - October 1975 | Location | SAINT BRIEUC - France | Company | CAISSE REGIONALE DE CREDIT AGRICOLE (CRCA) | Position | Head of SME Credit Department | Description | Appraisal, follow up and management of SME & Individuals Loans |
Date: | October 1975 - August 1977 | Location | SAINT BRIEUC - France | Company | CAISSE REGIONALE DE CREDIT AGRICOLE (CRCA) | Position | Head of Organisation Department | Description | General Organisation of the Bank, computerisation, procedures, advice to Branches managers |
Date: | March 1970 - August 1971 | Location | PARIS | Company | BANQUE REGIONALE D’ESCOMPTE ET DE DEPOTS (BRED) | Position | Commercial Attaché | Description | Loans applications appraisal, clientele accounts management, bank's operations |
OTHERS: Publications 1989: General methodology for the feasibility of a sustainable Rural Finance System (European Commission) 1990: Specialised credit lines for SME (European Commission)
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