UNDP

Developing, piloting, and scaling UNDP offerings in blended finance and engagements with banks through offering multifaceted technical assistance, the development of financial and non-financial de-risking tools, return enhancement mechanisms, pay-for-performance schemes, and other impact-factored blending approaches to facilitate access to and crowd in capital in the fields of climate and energy, biodiversity, gender, agriculture, WASH, and waste, etc.

Business Development Fund

Independent contractor – World Bank Access to Finance for Recovery and Resilience (AFIRR) Project.

•  Assess the effectiveness of the existing partial credit guarantee product, 

• Conduct a thorough review of the policies and procedures and propose necessary revisions, 

• Provide technical guidance and inputs  

World Resources Institute

• Develop detailed business model for how the credit guarantee schemes and other support instruments will spur the deployment of e-2Ws and e-3Ws. 

• Support discussions and negotiations with the potential partner financial institutions.

• Develop an operational plan and phase-out strategy for the financial mechanisms developed, including outreach strategy to target beneficiaries 

PALLADIUM INTERNATIONAL LLC USA Kenya 

Review existing design and product structure of the state CGS and provide guidance to enhance existing framework; Support the establishment of key policies and frameworks; Provide guidance on the implementation of the internal policies and frameworks; Support the development of appropriate curricula and training manuals for staff in the CGS and counterpart staff in the Participating Financial Institutions.

UNDP, Iraq 

Consulting Services for Feasibility study on Setting up a Credit Guarantee Scheme (CGS) in support of MSME access to finance: conduct an in-depth assessment of financial sector to identify potential gaps/bottlenecks related to MSME access to finance, assess the demand for a new CGS for MSMEs, identify risks and opportunities and suggestions for key design features. Provide advisory support to SDGs Joint Programme 

BUSINESS & FINANCE CONSULTING GMBH SWITZERLAND 

Digital transformation strategy of the Jordanian Loan Guarantee Company - Review results of previous Jordanian Loan Guarantee Company (JLGC) analysis and identify areas for improvement; Review key business processes at JLGC and identify areas for efficiency 2 improvement; Conduct consultations with JLGC and stakeholders on the requirements for digital strategy; Prepare the draft of the digital transformation strategy.

LANDT Germany

Team leader – Moldova. Development of portfolio credit guarantee product for a Public Credit Guarantee Fund in Moldova: /40 days/Steering of the project and ensuring compliance with the technical proposal; WORK EXPERIENCE Involvement and supervision of all tasks; Diagnostic analysis of the existing business model; Desk research and interviews with financial institutions; Development of a portfolio guarantee product and scoring model; Conducting workshops with financial intermediaries.

LANDT Germany

Workshop Best practices of credit guarantee schemes with particular focus on counter guarantees and available EU Funds and matching the credit guarantees with other instruments. 

LANDT Germany

Facilitate Yemen Loan Guarantee delegation to learn about Egypt’s experience with portfolio guarantees and other MSME support products 

Geografica

Ex-ante assessment of agriculture financial instruments (credit guarantees, loans or equity investments) under the European Agricultural Fund for Rural Development 2021-2027; - Market assessment - identify and describe the existence of market failures or suboptimal investment situations, assessment of value added of the financial instruments (loans, guarantees, equity and quasiequity investments), additional public or private resources to be potentially raised and lessons learned from previous financial instruments; - Delivery and management - define and assess the provisions available for the implementation of financial instruments, propose investment strategy, expected results and provisions for update and review of the assessment 

Ecorys

Ex-ante assessment of agriculture financial instruments (credit guarantees, loans or equity investments) under the European Agricultural Fund for Rural Development 2021-2027; - Market assessment - identify and describe the existence of market failures or suboptimal investment situations, assessment of value added of the financial instruments (loans, guarantees, equity and quasiequity investments), additional public or private resources to be potentially raised and lessons learned from previous financial instruments; - Delivery and management - define and assess the provisions available for the implementation of financial instruments, propose investment strategy, expected results and provisions for update and review of the assessment 

Mercy Corps

Financial inclusion advisor for an agriculture development project. Using market system development approach, the program aims to improve the business environment, access to financial services as well as to reactivate the agriculture value chains. Consultant objectives and activities include: - Assess the financial service sector and MSME access to finance constraints; Establish support mechanisms, including a credit guarantee fund; Establish alternative financing mechanisms like saving and loan groups and other; Support mobile money providers to extent operations in the target region and to provide additional services to farmers and rural MSMEs; Develop and support the capacity building activities to the financial services providers, farmers and 3 rural MSMEs. Support other programmes (livelihood projects) that have activities related to financial inclusion and interaction with formal finance institutions 

MINISTRY OF FINANCE AND DEVELOPMENT PLANNING 

World Bank Micro, Small and Medium Enterprises and Rural Finance Post – Ebola Reconstruction Project. Consulting Services for: Studying on Setting up a Partial Credit Guarantee Scheme: conduct an in-depth assessment to identify potential gaps/bottlenecks to setting up a new Partial Credit Guarantee (PCG) Scheme for MSMEs; provide technical recommendations on design based on international best practices. 

MINISTRY OF AGRICULTURE AND FOOD INDUSTRY

Independent contractor - Ex-ante assessment of agriculture financial instruments (credit guarantees, loans or equity investments) under the European Agricultural Fund for Rural Development for the programming period 2014-2020; - Market assessment and Delivery and management. 

CGC Egypt

Independent contractor -  Consultant for the development and implementation of a portfolio guarantee; - Setting framework of the target portfolio guarantee product - Specifying target Portfolio characteristics, sharing main bases for specifying the maximum size of risk and consequently the maximum size of portfolio the company could guarantee; - Developing the evaluation model for involved banks - Evaluation model for specifying expected risk for involved Bank profile of guarantees, bases of pricing the product, clear price matrix and formulas, bases of specifying target size of guaranteed portfolio & caps on portfolio risk of the involved bank; - Specifying relationship framework - Share main elements of co/bank relationship with clears roles, liabilities and responsibilities; - Procedures & Policy Requirements - Policy and procedures requirements relevant to the portfolio guarantee product; - Post-guarantee Monitoring - Evaluation/assessment framework for the guaranteed portfolio, post portfolio-guarantee monitoring templates for the guaranteed portfolios, reporting requirements. 

AGT International

Technical Assistance for the implementation of the Sector Reform Contract: European Neighborhood Programme to Agriculture and Rural Development (ENPARD); - Support to the ENPARD Moldova – Agriculture and Rural Development Project in: 

a) assessing the existing non-banking financial instruments regarding the credit schemes for farmers and rural microenterprises, and 

b) developing of the Guarantee Fund for Agriculture and Rural Development Loans to be established under the leadership of Ministry of Agriculture and Food Industry. 

Specific activities are: Determine the relevance of developing of a Guarantee Fund, Propose the Location and structure; Investigate the legislative framework; Provide a draft of Statute; Provide the financial and economic model including income and expenditure flows, as well as the assumptions upon which this is based; Credit risk and management operations; Guarantee Products descriptions; Assess feasibility of portfolio guarantees vis-à-vis individual ones; Outline the partners; Coverage rate; Eligibility of final beneficiaries; Pricing; Collateral coverage; Funding and registration; investment strategy; Governance and staffing; guarantee procedures; develop a monitoring and evaluation. 

AECM

Competences: Media Strategy. Chairman of the working group of structural funds. Speaker in operational training sessions organized for member organizations 

NGF

Main responsibilities and achievements include: 

- Additionality - 5500 SME's supported to receive EUR 735 million of loans; 

- Sustainability – total profit for the period 2013-2017 EUR 9.3 million; 

- Leverage - between 2 and 7.5 for different programmes. 

-Equity – EUR 40 M (Ministry of Finance), trust funds of EUR 47 M (Ministry of Agriculture); 

- Implementation of guarantee schemes in agriculture and in fisheries and aquaculture; 

- Design and implementation of new portfolio based guarantee scheme for own risk; 

- Design and implementation of a portfolio guarantee scheme with a counter-guarantee from the European Investment Fund; 

- Prepare strategies, business plans, budgets, financial and supervisory reports; 

- Participation in the design and the implementation of a new IT system with focus on portfolio guarantees, web-based communication with intermediaries and digital platform for SME finance; 

- Organizational restructuring, implementation of a rating system, self-financing methodologies and tests, new procedures for selection of intermediaries and monitoring of their activity, new procedures and processes in relation to the new portfolio approach and the mandate schemes (trust funds) in agriculture and fisheries sectors; 

- Trainings for the participating financial institutions and SMEs 

DSK Bank - Head of section (2011 –2012 )

Implementation of McKinsey Project – OTP Group Standards in Workout; - Draft and reinforce procedures and other internal regulations; - Manage a team of SME specialists – assign new cases, analyze customer situation, choose strategies (restructure or exit), prepare action plans, monitor the enforcement of approved strategies and plans. 

Raiffeisenbank  - Deputy Head of Department (2008 - 2011); Supervisor in Work-out Department (2006-2008) SME Specialist in Work-out Department (2004-2006) Credit administrator corporate and SME clients (2003-2006) 

Manage a team of SME workout specialists – assign new cases, monitor the enforcement of approved strategies and action plans; - Implementation of McKinsey RZB Project – Group Minimum Standards in Workout - Review loan/restructuring applications processed by the workout specialists, assess inherent risks and propose actions to protect the bank’s welfare; - Perform portfolio analysis and reports for the bank’s top management; - Asses department’s HR needs, plan and oversee the recruitment of personnel; - Train and evaluate junior analysts; - Draft and reinforce procedures and other internal regulations; 

Societe Generale Expressbank (2001-2003) - Loan officer for retail customers and Credit administrator corporate and SME clients