Tunisia

Vision Finance - Tunis
32 rue du Maroc, RBE,
Marsa Corniche
2070 La Marsa
Tunisia















             
  
   

Contact Vision Finance Tunisia



                    COUNTRY REPRESENTATIVE:

                    CLAUDE JEAN GUILLEMAIN

                    email:        cjg@financewithvision.com
                    Tel:           + 216 71 778 379
                    Cell:          +216 21 835 359
                    Skype:       klaodguillemanin
                    Facebook: www.facebook.com/claude.guillemain

                    with Vision Finance since February 2011

 












EDUCATION & QUALIFICATIONS


Institution              Institut Technique de Banque (ITB) - Paris

Date                       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)