Located in México DF Microfinance specialist Cel:

Transcription

1 Caroline Brandt Located in México DF Microfinance specialist Cel: carobrandt@hotmail.com Key Qualifications Caroline has ten-years of experience in microfinance and four additional years in social development and humanitarian assistance environments, in Latin America, Sub Saharan Africa and Mena regions. She has worked as a consultant as well as having held management positions with internationally recognized top tier MFIs. She supported various MFIs in critical steps of their development: developing products and commercial strategies, launching start ups, reshaping credit methodologies and business models, as well as assessing client protection and managing social performance. Education Master s degree in Development Studies, Paris I Sorbonne, France Ranked Top Bachelor s degree : Political Sciences, Sciences Po Aix-en-Provence France Additional training and accreditation 2014 Universal Standards for Social Perfomance Management, SPI4 tool Social Performance Task Force, Micro credit Summit, Mérida - México 2013 Accredited Support Assessor (Lead Assessor in training), Smart Campaign Action Smart Asesor training, Acción, Fomin Guadalajara Mexico Employment Record Date Company Position Since 2012 Independent Microfinance Consultant France and Mexico Independent Microfinance Consultant Haiti / the Dominican Republic Al Amana Financial Services Team Leader Rabat, Morocco Al Amana Research Coordinator Rabat, Morocco F3E Fund Research Officer Paris, France Languages Languages French English Spanish Proficiency Mother tongue Excellent: written, spoken, and reading Excellent: written, spoken, and reading

2 Selected assignments in microfinance environments Protection / Smart Campaign Fondep Al Baraka Date February March 2015 Fondep / Popins Consulting Protection Support Assessor Mexico, Morocco protection assessment, together with the lead assessor: Assessed on-site the MFI s level of achievement of Protection indicators Co-wrote the report including practices assessment, recommendations, scoring of the Protection indicators and action plan. Promujer México Date February August 2015 Promujer Protection Consultor Pachuca, Mexico Improvement of protection practices:. Revised Promujer practices since the Protection Certification in Identified improvement and drafted an action plan. Assisted the IMFs in the implementation. Access Financial Services Ltd Date January - February 2014 Action Protection Support Assessor (Trainee) Kingston, Jamaica protection assessment Banco ADOPEM Date December 2013 February 2014 Banco ADOPEM Protection Consultor the Dominican Republic and remote assistance from Mexico DF. Banco ADOPEM is the leading MFI in the Dominican Republic, and has been awarded by the IADB in 2010 and 2012 as the best MFI in Latin America and the Caribbean. Revision of the assessment previously done in 2012:

3 Presented the Smart Campaign s new indicators to the Management Assessed the MFI s policies and practices according to new Smart methodology and recommended enhancements. Social performance management ACME SA Date March May 2015 Pohl Consulting (Germany) Social Performance expert Port-au-Prince, Haïti Technical Assistance in Social performance : Assessed progress already achieved in terms of Protection and Social Performance. Drafted social performance dashboard and action plan. Date Pronafim, National Microenterprise Funding Program Since August present Ministry of the Economy, Mexico Social Performance Consultant Mexico Support the Pronafim in the design its social performance strategy. Present international microfinance best practices relevant to the Mexican context, with a special focus on social performance. Assessed Pronafim s policy and Mexican Microfinance Market regarding international best practices. Write a capitalization report of the 17 th Microcredit Summit in Merida, September 3-5, Delivered recommendation to improve Pronafim s strategy regarding social performance and poverty alleviation. Facilitate a two sessions workshop with the Pronafim management. Universidad Panamericana, Microfinance Institutions Management Course. Date September - October 2014 Universidad Panamericana Lecturer for the Social Performance component of the Course. Mexico city Designed and facilitated a 10-hour-course on Social Performance, together with a Planet rating analyst and member of Truelift Steering Committee: Main topics: Why managing Social Performance and How to: The Universal Standards of Social Performance Management and SPI4, Protection principle (Smart campaign), Impact studies, PPI-Grameen. Participants included management of middle size Mexican MFI s.

4 Credit Risk Management, Credit methodologies and Credit Products Date Pro Mujer Mexico Since August 2014 present Pro Mujer Mexico Credit Process specialist Pachuca, Mexico Assessment of the credit processes at Promujer. Led the credit process mapping: efficiency analysis, risks analysis, social performance analysis. Support the automatization of some parts of the credit process through the use of tablets Trained staff to the process mapping methodology Proposed improvements to processes. Banco Caribe Date February 2010 August 2010 Banco Caribe Microfinance specialist Santo Domingo, The Dominican Republic Technical assistance to Banco Caribe Management for the design and pilot test implementation of a downscaling program. Led market analysis Elaborated business plan, designed products and processes (credit, operations, human resources) targeting the micro and small enterprise segment. Designed human resources structure, trained and coached loan officers and supervisors on the field. Monitored and evaluated the pilot test. Business plan adjustments in order to reach operational solvency within three years. Capital Bank Date December 2008 December 2009 HORUS Development Finance Senior Credit Management Expert Port-au-Prince, Haiti Long term technical assistance to Capital Bank Management. Participated to the diagnosis and enhancement of credit risk management: appraisal process, reporting, recovery processes and tools; Analyzed and enhanced processes: process mapping, appraisal of processes efficiency, recommendations for improvement, mapping of the proposed revised processes. Supported Internal control system enhancement: diagnosis, design of an internal audit chart, elaboration of a risk map, recommendations on additional controls to be integrated. Strengthened credit competences (loan officers, supervisors): development

5 and moderation of training sessions, on-the-field training. Designed and implemented a training plan. Led a market analysis, made recommendations for strategic marketing orientations and expansion plan targeting the small and medium enterprise segment. MyC4 (Danemark) Date November 2008 April 2009 Micro Consult Services (Germany) Micro credit consultant Abidjan, Ivory Coast Strengthening of credit methodologies, operations and internal control of SA Microfinance (start up) Lead an institutional diagnosis Reshaped credit and recovering policies, restructured operation department as well as internal control, Trained and coached staff (credit officer and management) Supported strategic planning. Al Amana Date June 2005 May 2007 Al Amana Financial Services Team Leader Rabat, Morocco Al Amana is the largest MFI in the Mena Region: active borrowers, US$254 Million GLP. Among the 15 world s best Microfinance Institutions ranked by Microrate in As the Financial Services Team Leader: Created the Financial Services Unit, recruited and managed a team of 8. Managed financial services diversification: expansion to rural areas, design of micro-agriculture finance products, adjustment of the organization to rural and mountain areas, scaling up business and housing individual loans, pricing, product, process and infrastructure design, partnerships for business development. Managed financial performance: Negotiated annual objectives, supported field team in monitoring performance through monthly reports, portfolio reviews and training, products and process improvements have supported a portfolio growth of 185% within 2 years, a PAR 30 days and write off ratio <1.2% and 10.5% efficiency ratio. Improved social performance: revised impact measuring tools, larger access to credit for rural women, prevention against child labor.

6 Research and Evaluation Banco ADOPEM Date February 2011 May 2011 Banco Adopem Market investigation consultant Port-au-Prince and Cap Haitien rural region - Haiti and the Dominican Republic Market investigation: Feasibility study on the international expansion of ADOPEM (UNCDF funding) Led market research including field research in Haiti (quantitative and qualitative research): (i) interviews of 22 institutions, focus groups and in depth interviews to132 micro entrepreneurs in urban and rural areas (with a special focus on agriculture), (ii) supply and demand analysis, (iii) description of the funding gap. Recommendations : identified business opportunities and strategic alliances Drafted a Business Plan Elaborated final report and communication materials Moderated the dissemination events with financial services providers and funders in Haiti. Al Amana Date September June 2005 Al Amana Research Coordinator Rabat, Morocco As the Research and Business Development Services Coordinator: Coordinated client research : satisfaction survey, client segmentation, market investigations Supervised impact studies Conducted process mapping Wrote and coordinated publications Coordinated Business development services: assessed and reshaped services offered; supervised development of 19 audiovisual training kits delivered to 900 micro entrepreneurs. AECID Agencia Española para la Cooperación Internacional y el Desarrollo Date August September 2008 MUDE Mujeres en Desarrollo Dominicana Consultant San Juan de la Maguana & Santo Domingo, The Dominican Republic Assessment of Mujeres en Desarrollo Dominicana rural village banking program

7 Strategic and commercial planning Date Vision Fund International Enero present Nodus Consultores Consultant in Commercial Strategy The Dominican Republic and México Technical Assistance to Vision Fund Dominican Republic and Mexico in strengthening their commercial strategies:. Led on-site diagnostic of the current commercial plan and key business components of each institution. Trained credit and marketing managers to the Service Manual provided by Nodus Consultores. Proposed evolutions in the commercial strategy. Drafted commercial plan and action plan for the implementation. Plan International Date April 2011 August 2012 Plan International National Advisor for Microfinance Santo Domingo The Dominican Republic Built a new 5-year strategy for microfinance in rural areas Drafted ToR for the external assessment of the microfinance program, monitored its implementation, validated findings and recommendations Led documentation analysis and field research to analyze financial services demand and supply for the target group and identify the gap Led a participative process of strategy design and planning focused on financial literacy of children and youth and linkage with formal financial services Trained and managed a team of 4 and set up programs aligned on new strategy. Other experiences Date April 2000 August 2003 F3E Fund (Network of 90 French NGOs and cooperation bodies of local authorities, promoting accountability through research and assessment). F3E Research Officer Paris, France Research Officer Assisted institutions requesting funds to conduct feasibility studies and external assessment of their activities: helped draft terms of reference and launch bids and tenders, created database for consultants, processing funds. Promoted research: participated to peer reviews, organized workshops, contributed to best practices, created website, took part in a guideline for evaluation effectiveness. Lectured on accountability and aid effectiveness in Masters.

8 Doctors Without Borders Date January - April 2010 & May December Doctors Without Borders Administrator The Dominican Republic and Chad Human resources and Finance management Created Santo Domingo logistics base for emergency activities after the earthquake in Port-au-Prince, with 4 Million annual budget. Human resources and Finance management for an emergency nutrition program, with 1.3 Million annual budget and staff of 220. Countries of work experience The Dominican Republic France Morocco Jamaica Vietnam Ivory Coast Haiti Madagascar Chad Mexico