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 Al-Bagdadi Hayder

Regional Financial Inclusion Program Manager, GIZ

Mr Al-Bagdadi Hayder is the Programme Coordinator for the Cairo-based Regional Programme for the "Promotion of the Microfinance Sector in the MENA Region/MFMR". The initiative, which is implemented by GIZ (Deutsche Gesellschaft für internationale Zusammenarbeit GmbH), covers Egypt, Jordan and the Palestinian Territories. Prior to his current position, Hayder worked for the Alliance for Financial Inclusion (AFI) as a Policy Manager in the areas of digital financial services and SME finance. He also managed AFI's policy grant portfolio for the Pacific, Asia, and Eastern Europe. Before AFI, Hayder spent eight years at GIZ working on financial system and private sector development issues. At GIZ Headquarters' in Germany, he was an Advisor in the Financial System Development (FSD) Unit of the Economic Development and Employment Department responsible for GIZ's FSD programmes in Asia. Prior to this, Hayder served as a Project Manager in private sector development programmes in Indonesia, Bosnia and Herzegovina. His career began focusing on microfinance at GIZ Headquarters' in Germany.


Admore Kandlela

Chief Executive Officer, People’s Owns Savings Bank (POSB)

Admore Kandlela oversees the corporate direction, leadership and strategy of People’s Owns Savings Bank (POSB) as the Chief Executive Officer. He joined POSB in October 2013. He has strong managerial background with Senior Level Local and International experience and Cross Sector exposure, Telecommunications, Small to Medium Enterprise Development, Agricultural Finance and Banking Experience with specific emphasis on Development Finance Institutions. He holds a BSC Ecoomics Honours, Fourah Bay College, Sierra Leone, a Master’s in Business Administration from National Science and Technology in Zimbabwe (NUST), an Executive Masters in Responsible Banking (London School of Economics) IEB Instutute and WSBI.

He currently sits on the People’s Own Savings Bank Board as an ex-officio member and is Chairman of the Board of Directors of the Communications and Allied Industry Pension Fund (CAIPF) and he is a Board Member in the Small and Medium Enterprise Development Corporation (SMEDCO) and sits on the WSBI Africa Region as a Vice-President for the English Speaking Region.


Alex Kayaayo

Executive Director, PostBank

Alex Kayaayo is currently the Executive Director of PostBank (U) Ltd in charge of Credit and Business Growth. He is an MBA graduate having specialized in Small Business Management and has keen interest in microfinance. He is certified in both risk management and global markets operations management, and has over 15 years of experience accumulated from both corporate and retail banking environments, with specialized exposure in; international business, global market operations, risk management, credit and microfinance. Alex joined PostBank (U) Ltd 8 years ago and was instrumental in setting up the Risk Management function and formulation of the prerequisite governance policies and structure. He then crossed to head the credit department where he managed to double the loan book in a period of less than 2 years. Alex is also a hands on person in the private and agricultural sectors and looks forward to fully focusing on same soon, once his banking passion and contribution has led to PostBank’s transformation and positioning itself as a leading locally owned financial institution.


Chong Chin Yong

Chief Commissioner, Head of Postal Savings Bureau, Executive Vice President of Korea Post

Mr Chong Chin Yong works as Chief Commissioner, Head of Postal Savings Bureau, Executive Vice President of Korea Post since 2013. He has held several different senior positions at Korea Post since 1991, e.g. as Director of Postal Savings Policy Division, Postal Savings Bureau and as Chief Commissioner, Head of Regional Postal Services. He has solid educational background including studying atYonsei University, Seoul University and Georgetown University from USA.



Chris De Noose

Managing Director, WSBI

Chris De Noose is the Managing Director of the World Savings and Retail Banking Institute and the European Savings and Retail Banking Group. In addition, he is a Member of the European Banking Industry Committee (EBIC), Member of the Board of the Hochschule der Sparkassen-Finanzgruppe, Member of the European Payments Council, Member of the Board of Child and Youth Finance International, Member of the Banking Stakeholder Group of European Banking Authority and Secretary General of the Mediterranean Confederation. Furthermore, he is also a Member of the Kuratorium of the Foundation for International Co-operation of the German Savings Banks.


Claire Scharwatt (Pénicaud)

Senior Market Engagement Manager – MENA & West Africa, GSMA Mobile Money

Claire Scharwatt is Senior Market Engagement Manager for the Mobile Money Programme at the GSM Association. In this role, Claire leads projects in West Africa and in the Middle East and North Africa regions. Claire has also developed GSMA's Mobile Money Adoption Survey, which is provides global and regional benchmarks on the performance of mobile money services. The GSMA is an association of mobile operators and related companies devoted to supporting the standardizing, deployment and promotion of the GSM mobile telephone system. The Mobile Money for the Unbanked Program works with mobile operators and the financial industry to accelerate the availability of affordable financial services that provide safety, security and convenience to the unbanked. Prior to joining the GSMA, Claire worked as a consultant at Hystra Consulting and as a researcher at INSEAD Business School, focusing on mobile health.


Dominique Pinoche

Head of the Consulting Practice – Inbox France

With 20 years of experience in Marketing in Administrating of Banking Units, he masters the whole development, management & conduct of change in challenging environments. Expert in operational marketing & interpersonal skills, he holds a strong knowledge of banking models and distribution strategies. Accustomed to managing important international Projects, Dominique Pinoche participated to the development from scratch of Banks at an international level, mostly in the MENA region. He supports banks/insurances on the definition, the implementation and the roll out of CRM tools. With his experiences, he advices financial institutions and insurer throughout Africa in the organization and the development of new value added models : new distribution channels leveraging on mobile phones and measure of the impact on commercial organizations.


Doudou Gueye

Directeur General, PosteFinances, Senegal

Name and Surname: Doudou Gueye; Education: Graduate in Specialized Higher Studies in Economic Policies and project economic analysis (University of Dakar), Graduate from the Center for Financial, Economic and Banking Studies, (CEFEB- Paris), Graduate in Management, University Paris I (Sorbonne), Graduate in Post and Financial Services Administration, (PMSC Abidjan), Masters in Economics. Experience at the post: Since 2012: CEO POSTEFINANCES; Successively: Director of Human Resources; Head of the Planning and Project Management Division; Sales and Network Manager; Director of Management Control. Professional activities: Consultant and Expert of the Universal Postal Union (UPU); Trainer in management of human resources and project management; Speaker in several seminars on reform and regulation in the postal sector. Various: Awards: National Order of Merit of Senegal; Medal of Honor UPU.


Haykel Maalaoui

Head of Postal Financial Services, Tunisia Post

Education: Holds a Professional Master in Finance Risk Management from Université Cergy Pontoise/APBT and is a graduate in Finance and Banking Institute from Institut de Financement du Développement du Maghreb Arabe. Career: Haykel Maalaoui joined the Tunisian Post in December 2003. At the Central Directorate for Financial Products, he was responsible for research projects and implementation of new financial services. In late 2005, he was appointed head of department at the Directorate for Development and New Products. Since January 2010, Haykel Maalaoui leads the Division of New Financial Services of the Tunisian Post and represents this institution in meetings / works related with the development of financial services in Tunisia. Haykel Maalaoui is also a university lecturer and trainer in the topics related to capital markets and financial services.


Jaloul Ayed

Former Minister of Finance of Tunisia and President of MED Confederation

Jaloul AYED, MED Confederation President, is Tunisia's former Minister of Finance. He continues to serve as Director of Caisse des Depôts et Consignations and as an independent member of the Central Bank and Ministry of Finance joint committee in charge of supervising the restructuring of public banks. Regular guest of prestigious academic organizations such as the Harvard Business School and HEC Paris and civil society forums, Mr. Ayed also lectures on development issues, empowerment, change management, financial system reform, promoting entrepreneurship amongst the youth, the role of culture in development, regional integration, micro-finance and economic and social ethics. He earned a Masters' Degree in Economics from the University of Maryland (1979).


LV Jiajin

President of Postal Savings Bank of China

Mr. LV Jiajin is a senior economist. Former Deputy Secretary of Posts and Telecommunications Administration of Henan Province Savings and Remittance Bureau, deputy party secretary, Secretary and party secretary, Xinxiang City, Henan Province, Post Office Secretary party secretary of Henan Province Post Office, Deputy Secretary, committee member, the Deputy Secretary of the Liaoning Province Post Office, party members, the Deputy Secretary of the National Postal Savings and Remittance Bureau, in March 2007 he was appointed postal savings bank director and vice president.


Mamadou Touré

Fondateur et Directeur Général de NUMHERIT SA.

Ingénieur informaticien. Master à Ecole Polytechnique et Fédérale de Lausanne (EPFL) - Suisse en Systèmes de communication

Orientation Internet et Systèmes d’information.

Depuis 2008 Fondateur et Directeur Général de NUMHERIT SA. 


Margarete Biallas

Lead Senior Global Specialist, IFC

Margarete Biallas currently leads IFC’s Digital Financial Services work globally. Previously, she managed IFC‘s the Access to Finance program in the Mekong and lead IFC’s DFS and microfinance advisory work in East Asia and the Pacific. Prior to joining IFC she worked with KfW, where, as Senior Risk Manager she led the development of a limit management system for KfW’s financial institutions exposures, and as Credit Officer for Eastern Europe and Asia reviewed all of KfW's commercial investments in these two regions. Prior to this, Margarete led KfW's global microfinance funds investments and held various positions in the Eastern Europe and Sub-Saharan Africa departments, working on financial institutions investments in these regions. Margarete began her career in a German consulting firm, focusing on privatization and SME development. She holds a Master‘s Degree in Economics from Hochschule fuer Wirtschaft und Politik in Hamburg, Germany, and a BA from University of Cape Town, South Africa. She has also set up two companies providing education.


Mohammed Ali Kadiri

Director, CaixaBank Spain

Ali Kadiri holds an MBA from the Lubin Business School of PACE University in New York. He is a graduate of Specialized Higher Studies and Advanced Studies from the University of Bordeaux in France and a graduate of Business, Administration and Finance Studies from the Business & Administration School in Bordeaux. He began his professional career in the financial sector at Citibank Maghreb in Casablanca in 1985 as Head of the Financial Institutions Department. In 1988, he joined the Commercial Bank of Morocco as Director of the Investment Credits Department. He is then appointed Deputy Director of the International Division, and a few years later, Director of Development and International Relations within the same organization. In 2003, following the establishment of Attijariwafa Bank after Commercial Bank of Morocco's acquisition of the Wafabank Group, Ali Kadiri became Director of the International Division, and a year later, Director of Real Estate Services as well as CEO of CAPRI, the real estate development subsidiary of the group. Before joining "la Caixa", he was the Group's Chief Compliance Officer and was part of the Executive Committee, the Audit Committee and the Compliance Committee of the Bank. Ali Kadiri has extensive experience in the financial sector, particularly in the international field.


Nadine Chehade

CGAP Representative in the Arab World

Nadine Chehade is CGAP Representative in the Arab World. She works to deepen CGAP’s engagement in the region, collaborating with various partners, including regulators and policy-makers, donors and investors, national and regional associations. She covers matters related to policy, research, and donor coordination, with the overarching goal of advancing financial inclusion. She joined CGAP in 2012, bringing ten years of experience in investment banking, management consulting, and microfinance. Prior to that, she worked as Planet Rating’s Business Development Manager and MENAC Director. Nadine holds an MBA from ESSEC in France. She is fluent in Arabic, English, French, and conversational in Spanish.


Nils Clotteau

Partnerships & Resource Mobilization Expert, Universal Postal Union

Nils Clotteau is Partnerships & Resource Mobilization Expert at the Universal Postal Union, the United Nations specialized agency responsible for cooperation among governments, postal operators, and other postal sector stakeholders. He is in charge of developing partnerships between the UPU and other UN agencies, donor organizations and the private sector, to ensure postal networks worldwide can contribute to social and economic development. He also leads various projects linked to remittances and postal financial services and coordinates UPU’s research efforts on financial inclusion.

Prior to this, from 2006 to 2008, he worked for the UPU’s regional office in Benin and implemented various projects in the field of financial and postal services in Sub-Saharan Africa. Nils also worked for an NGO in the Comoros, helping implement a rural development programme and prior to this worked as a consultant in France and the US for 3 years. Nils holds an MBA with a specialization in International Management from HEC Paris.


Redouane Najm-Eddine

President and Chief Executive Officer, Al Barid Bank

Redouane NAJM-EDDINE holds a PhD in Finance from the University of Paris I Panthéon-Sorbonne and is a former professor and researcher at CESMAP Paris.He started his career at Crédit du Maroc (subsidiary of Crédit Agricole France) as a sales Network Manager before being appointed as Crédit du Maroc ‘s Finance Manager. He joined, In 2004, Attijariwafa Bank Group, at the time of its merger, as the Group’s Planning and Management Control Director. In 2008, he joined Barid Al Maghrib Group to carry out the project of creation of Al Barid Bank (The Moroccan Postal Bank) of which he was appointed the Chairman of the Management Board since 2010.In addition to being Al Barid Bank’s Chairman of the Management Board, M.Redouane NAJM-EDDINE is also Deputy Chief Executive Officer of Barid Al Maghrib Group (Moroccan Post), Managing Director of SOFAC (subsidiary specialized in the consumer credit), Managing Director of Chronopost International in Morocco (CIMA), Managing Director of several funds JAIDA (Micro credits) and Barid Cash, as well as a member of the World Savings Bank Institute and PlaNet Finance Board of Directors.


Serge Kouao

Deputy Head of Risk Management, La Banque Postale Asset Management (LBPAM)

Actuary ISFA, graduate in Management and Project Management from the Ecole Centrale de Paris, he began working at Crédit Mutuel - CIC Asset Management in 2005 as Portfolio Risk Controller before joining the Caisse Autonome de Retraite des Anciens Combattants as Liabilities & Assets manager in 2006. In 2007, he joined La Banque Postale Structured Asset Management - a management company specializing in structured funds and subsidiary of La Banque Postale Asset Management - as Head of Risk Management. Then he was promoted, since 2012, Deputy Chief Risk Officer of Banque Postale Asset Management. Since late 2015, he is interested, within the Directorate for Strategy and Development of La Banque Postale, in the issue of financial inclusion in Africa, including topics related to data security in the case of mobile banking.


Shailendra Kumar

Director, Post Bank Division, Department of Posts

Shailendra Kumar Dwivedi is the Director (Post Bank Division), Department of Posts, India. He has almost twenty years of work experience at middle/senior management level in India Post, from September 1997 till date. Also worked at the Asian-Pacific Postal Union for four years from 2010-2014 and has been training postal managers extensively for over seven years. Work experience in postal sector includes extensive experience in the field units of India Post as well as a rich and wide experience at the headquarters of India Post. Has been working as Director in the Post Bank Division since June 2015 and is actively involved in setting up of the India Post Payments Bank. He has written various papers on Business Strategy for the Post; Postal Sector in the Digital Age, e-Commerce and the postal business, Sustainable Logistics, New Business Model for Posts, among others. Shailendra Kumar Dwivedi received Bachelor of Arts, with Honours in Economics from Delhi University and Executive Masters in International Business from the Indian Institute of Foreign Trade, New Delhi


Vonani Mabunda

 Co-founder and CEO, MobiTrade

Vonani Mabunda is the co-founder and CEO of MobiTrade, an SME financing company and subsidiary of MobiCash. Prior to founding MobiTrade Vonani was Head of Lending Products at Barclays Africa Business Banking, responsible for all the bank’s lending activities to small businesses. Prior to joining Barclays he was Africa Head of Supply Chain Finance at Standard Bank’s Corporate and Investment Banking. Overall he has 13 years of local and international banking experience at Citibank, Standard Bank and Barclays. Vonani has a Bsc Engineering Degree from Wits University and an MBA from the Gordon Institute of Business Science.