Our governance

Chad A. Leat is a former Vice President of Global Banking at Citigroup. He has nearly 30 years of experience in the markets and in Wall Street banking. He is recognized as a leader and innovator in corporate lending and M&A finance, having led some of the largest acquisition financings ever completed. Over the years, he has built and led many successful and profitable businesses at Citigroup, JPMorgan Chase and their predecessors.

Sylvie Matherat has over thirty years' experience in the public and private financial sectors.  She began her career in the general inspection department of Société Générale before joining the Commission bancaire (now ACPR, Autorité de contrôle prudentiel et de résolution) in 1987. She returned to the ACPR in 1995, where she held various management positions. She joined the Banque de France in 2007 as Director of Financial Stability before being appointed Deputy Director General in charge of Operations. In this capacity, she represented France on the Basel Committee (2006-2014), as well as on other G20 committees, and took part in the overhaul of financial regulation following the 2007-2008 crisis. In 2016, she was elected Vice-Chair of the Global Financials Market Association (GFMA), which represents the interests of banks active in capital markets at global level, and took over its Presidency in 2018. In 2019 and 2020, she will take part in the work of the High Level Forum (HLF) on capital markets at the European Commission. A Chevalier of the Légion d'honneur and the Ordre national du Mérite, Sylvie Matherat has been Senior Advisor to the Mazars Group since 2021 for the development of its financial advisory activities.

Alexander Kloosterman has been an investor director at Cerberus Global Investments B.V. since February 2020. Prior to that he worked for ABN AMRO for more than twenty years and held various management positions in the US, Brazil and South East Asia. From 2006 to 2008, he was a member of the Executive Committee of Fortis S.A.-N.V. responsible for investment management and private banking and from 2009 to 2018 he was a member of the Executive Committee of Rabobank International, with a particular focus on the food and agriculture value chain. From 2018 to 2021 he was a board member of Stichting Continuiteit of Takeaway.com. Currently, since 2019 Alexander is a member of the supervisory board(Raad van Commissarissen) of Achmea B.V.,Achmea Pensioen-en Levensverzekeringen N.V., Achmea Schadeverzekeringen N.V. and N.V.Hagelunie. He has a law degree from Leiden University and is a resident of Amsterdam, the Netherlands.

Béatrice de Clermont Tonnerre began her career at Lagardère as an analyst at Matra Marconi Space, then in the Group's strategy and mergers and acquisitions department. In 2013, she joined Google as Director of Monetization for Southern Europe, before becoming Director of Artificial Intelligence Partnerships in 2018. Subsequently, Béatrice de Clermont Tonnerre became an investor, member of the Executive Committee and senior advisor to Kayrros, a start-up awarded by the 'French Tech - Green 20' programme. She was also a member of the Board of Directors of SES - Société Européenne de Satellites (Luxembourg), and Klépierre (France).
Béatrice de Clermont Tonnerre has been Managing Director of Microsoft France (Public Sector) since 2022. A Chevalier de l'Ordre National du Mérite, she is also a member of the Board of Directors and Chairwoman of the Nomination and Governance Committees of the PRISA media group (Spain).

Françoise Mercadal-Delasalles has a wealth of experience in finance, at the crossroads between the senior civil service and the private sector, and solid expertise in digital technology.
Particularly sensitive to the social challenges of digital transformation and inclusion, she has been appointed Chair of the Conseil National Numérique after six years of commitment.
A Chevalier of the Légion d'Honneur and Officier du Mérite Agricole, Françoise Mercadal-Delasalles is also a member of the Boards of Directors of Inria (Institut National de Recherche en Sciences et Technologies du Numérique), Société Diot-Siaci and Société Attijari Wafa Bank (since 2022). She is also a member of the Board of Directors of Eurazeo and of the Audit, Finance, Appointments and Remuneration Committees.  

Avid Modjtabai holds a Bachelor's degree in Industrial Engineering from Stanford University (1983) and an MBA in Finance from Columbia University (1988). Throughout her career, she has been recognised by a number of specialist magazines, including American Banker, The San Francisco Business Times and Bank Technology News, for her financial expertise, innovation and influence. After working as a consultant for McKinsey & Company, where she specialised in the financial services industry, she joined Wells Fargo & Co, one of the leading US banking groups. Over the course of her twenty-seven year career, she held various management positions, including Head of Consumer Lending, Chief Information Officer, Director of Technology and Operations, and Director of Human Resources, before being appointed Senior Executive Vice President, in charge of Payments, Virtual Solutions and Innovation. In 2014, Avid Modjtabai joined the Board of Directors of Avnet, a US electronics distribution company, and in 2020 the Board of Directors of Prologis, the leading owner, operator and developer of logistics real estate in France.

Isabel Goiri is currently an independent advisor, following a successful career in banking and asset management where she worked for leading names in their fields.  Her skills range from portfolio management and financial markets, through to finance and risk management. She has a keen interest in responsible and impact investments, collaborating with certain non profit entities. She is also a member of the Boards of BBVA Uruguay and its Risk Committee, and of Gescobro Collection Services and its Compliance and Risk Committee.

Anna Siakotos is General Counsel Europe at Cerberus Operations and Advisory Company. In January 2021, she will also become Managing Director of the company.
Based in London, Anna Siakotos provides expertise on transactions and general corporate matters for Cerberus and its portfolio companies, with a focus on financial institutions, in Europe and emerging markets.
Prior to joining Cerberus in 2018, Anna Siakotos held positions as General Counsel in several multinational companies, most recently at Millicom International Cellular SA. Prior to that, she practised law for seven years at Debevoise & Plimpton LLP in New York and London, where she advised clients on international M&A and financing transactions.

Leland Wilson is a financial and operating executive with more than 30 years’ experience in public and private consumer and commercial companies holding positions such as Chairman, CEO, CFO and Chief Administrative Officer. Expertise in Finance, M&A, Capital Markets, Treasury, Structured Finance and Turnarounds. Key industries include Specialty Finance, Retail, Banking, Automotive & Transportation, Telecom, Investment Management, Insurance. Most recently, Mr. Wilson held the position of Chairman and CEO of Off Lease Only, a leading independent used car retailer in the US. Multiple past and present experiences as a board member and/or senior executive include My Money Group, Bawag P.S.K., Off Lease Only, Chrysler Financial, Carrier & Technology Solutions, CorePointe Group., Vanguard Car Rental (Alamo/National).

MBA, Questrom School of Business at Boston University. MS, Finance, Boston College Carroll School of Management. BA, Economics, University of Connecticut. 

A graduate in materials engineering from Turin Polytechnic, Niccolò began his career at Teksid as a process engineer.

He has an international career with over 25 years' experience in the banking sector.

From 2004 to 2006, Niccolò was Senior Vice President of MBNA (US and UK). In 2006, he launched UniCredit Consumer Financing in Bulgaria before moving to Italy in 2009, where he became Chief of Staff to the Group CEO, and then Head of the Consumer Finance Group between 2011 and 2012. Niccolò then moved to Romania in 2012, where he became Deputy Managing Director of UniCredit Tiriac. Bank.

From 2015 to 2019, he continued his career at Yapi Kredi as Executive Director and Deputy General Manager before being appointed Head of Italy and Co-CEO Commercial Banking, CEE in 2019. He then became a member of UniCredit's Management Board.

Niccolo has been CEO of Groupe CCF since January 2023.

During his career, he has been a member of the Board of Directors of UniCredit Tiriac as well as a member of the Supervisory Boards of Pioneer Investments, UniCredit Consumer Finance Bulgaria, UniCredit Consumer Finance Romania and Ergo Asigurari de Viata S.A. Romania, as well as various subsidiaries of the Yapi Kredi Group.

Tom comes from Belgium, where he worked for many years at KBC in a number of key IT positions, including Group CTO, CIO of the Central Europe business unit and COO/CIO of KBC Bank Ireland, all in contexts of major transformation. At the end of 2022 Tom joined Cerberus as senior advisor to several companies. Tom has extensive experience of retail banking and transformation projects, and was instrumental in CCF's IT switchover project. His leadership and expertise will be essential to the Group's IT strategies.

Isabelle began her career in 1999 and held marketing, chief of staff, communications and CSR positions in different industries: agri-food (Danone), retail (Bonpoint, L'Occitane), and financial services (AXA), in France and in the USA. She specializes in developing brands for the benefit of business and in engaging internal and external audiences, in multi-cultural worlds.
Just before joining My Money Group, Isabelle was marketing, communications and CSR director of AXA XL.
In January 2022, she joined My Money Group as Group Communications and CSR Director.

Isabelle was also a start-up mentor in 2018, and works within Financi’elles and mentoring initiatives for inclusion and diversity.
Isabelle graduated from EDHEC Lille.

Ian joins us with a wealth of experience in risk management, data, advanced analytics and customer value management gained across Europe. He started his career at '3', the UK's leading 3G mobile operator, as a risk manager, then moved to head revenue assurance and billing for BTC (Bulgarian Telecommunications Company) After telecommunications, he moved into consumer credit by taking on the role of CRO for UniCredit Consumer Financing in Bulgaria. He then held various roles in risk management within UniCredit Consumer Financing. Moving into retail banking, he took responsibility for retail risk management for Addiko Bank. Returning to UniCredit, he took responsibility for pricing and profitability within the Italian bank, while also serving as Product Owner for group-wide digital lending

Pierre-Yves has over 25 years' international experience in retail banking, mainly in France and Central and Eastern Europe. Prior to joining us, Pierre-Yves headed UniCredit CEE's retail banking division for 11 countries, covering the Mass/Affluent, Private Banking and Small Business segments. Passionate about technology, data and retail banking, in this role he simplified product offerings, processes and customer journeys, enhancing personalized day-to-day banking solutions while transforming the retail service model, maximizing the strengths of branches, contact centers and digital channels. Pierre-Yves joined us in January 2024.

 

Guillaume is a graduate of the Ecole Nationale des Ponts et Chaussées and began his career in strategy consulting at Bain & Company. Within the Private Equity, Telecom and Financial Services practices, he worked with clients in Europe, the Middle East and the United States on issues of efficiency improvement, transformation and organisation. In 2010, he joined HSBC Continental Europe in the Strategy and Planning team, where he was responsible for redefining HSBC's business model in the region. In 2013, he moved to HSBC Retail Banking in France, where he held the positions of Head of Performance Management, Director of Strategic Projects and Chief Operating Officer. From the end of 2022, he focused on executing the transfer of the retail banking business to Groupe CCF. In January 2024, he became Chief of Staff to the CEO, helping him to define the bank's future business model. Since August 2024, he has been a member of the Executive Committee as Director of Products and Marketing, in charge of day-to-day banking products, payments, credit, customer experience, marketing and the first line of controls.

Jérôme Lachand began his career at the Banque de France, where he notably worked in the fields of banking supervision, payment systems, operational risks and at the General Inspectorate.
In 2014, he joined the European Central Bank, where he set up the on-site control system for significant banks within the framework of the SSM.

He joined the Group in 2022 to coordinate regulatory, legal and compliance matters.

Samuel Maman began his career at PwC. Within the risk management consultancy business, he has accompanied banking establishments in France and Australia for nearly 15 years, on credit risk modeling issues, then on the adjustment of risk systems following regulatory changes related to Basel 3 and more generally on the management of scarce resources and risk governance.

At the end of 2016, he joined La Banque Postale as Director of Transversal Risk Management, where he was in charge of the Modeling & Stress-testing, Production of Risk Reporting, Transverse Governance Monitoring & Regulatory Expertise and Project Management teams. Risk applications. At the end of 2020, he took on the role of Director of Personal Credit Risk for the Group covering the LBPSA perimeters, its consumer credit subsidiary LBPCF, its heritage subsidiary Louvre Banque Privée and its subsidiary specializing in SOFIAP affinity customers.

Tom began his career in 1995 in the Benelux and held investment positions at AXA Investment Managers, Philips Pension Fund and Merrill Lynch Investment Managers before joining BlackRock in 2006. Tom joined BlackRock's London office in 2007 where he continued his career as a senior portfolio manager for European IG credit where he successfully developed the Euro IG business. In 2016 he became head of the Euro IG research team and process and then of BlackRock's global IG credit portfolios in 2019. Tom joined the CCF Group in July 2024.

Jacques Rouquette began his career in 1990 at BFCE in the auditing, organisational and procedures departments. In 1995, he joined the sales teams.

From 1998 to 2010, he was regional head of Natixis Northwest, then for Greater Paris and French Overseas Territories, in charge of relations with corporate mid and large cap customers. In 2011, he joined GE Capital France as regional head of factoring (GE Factofrance), equipment financing (GE Equipment Finance) and automotive financing (GE Fleet Service).

He joined GE Money Bank in 2015 as General Manager for the Indian and Pacific Ocean regions (SOREFI & SOCALFI in New Caledonia). Since 2017, he has headed up all French Overseas Territories.

He holds a MSG (master of business management) degree from Université de Montpellier and a MBA from the University of Maine (USA).

Vedat has over 25 years of international experience in customer relations, sales and business digitalisation. He began his career in 1999 with HSBC and held Digital and Marketing roles in Istanbul and London. Vedat then joined Turk Telekom and then Vodafone where he managed global sales, digital and customer relations in Istanbul, Dubai and London. He continued his career at Yapi Kredi in 2016 as Executive Vice President of the Customer Relationship Centre, and then also took on the role of CEO of Fintech Co. Before joining CCF Group, he was Executive Vice President of Alternative Distribution Channels at Unicredit SPA in Milan.

Fady started his career at General Electric in 2004 in their healthcare division, before joining the Corporate Audit Staff program in 2007.

In 2009 he joined Mubadala GE Capital (Abu Dhabi, UAE), as the Pricing Manager and then as the Financial Planning & Analysis and Business Development finance Manager.

Fady relocated to Paris in 2014 where he held several roles at GE Money Bank including as Financial Controller and treasurer of the GE Capital France Holding Company (GECSAS), and Treasurer of Groupe CCF. In March 2020, he became Chief Financial Officer of the CCF Group.

He has been Chief Strategy Officer since September 2024.  Fady is also the Chief Executive.

Fady holds a bachelor degree in Mechanical engineering from the American University of Beirut, an Msc. in Medical engineering from King’s College London.

For the past 17 years, Jérôme has devoted himself to the retail banking profession, working in the Crédit Agricole Group's main local banks: LCL, International Retail Banking and the Regional Bank, first in management positions in the network and for the past 14 years as CFO. In this capacity, he has been confronted with a wide variety of situations, such as the rapid development of Crédit Agricole Brie Picardie, the restructuring of a loss-making subsidiary in Greece, and the organization and structuring of the retail banking business, particularly in Italy, Poland, Morocco, Egypt and Ukraine. Prior to this, Jérôme worked for the French government for 10 years, mainly in the Treasury Department of the Ministry of Finance, where he was involved in SME financing in France and public aid to developing countries. Jerome joined the CCF Group in September 2024 as Chief Financial Officer.