Permanent consultants specialized in the key fields of inclusive finance.
HORUS relies on a team of permanent consultants covering the full range of financial inclusion fields. All assignments are supervised by a permanent senior consultant and involve regular exchanges within the team.
Our approach ensures a common vision, both on the ground and in the production of deliverables, and promotes experience sharing, knowledge capitalization, and staff skills development.
HORUS assigns managers and resident technical advisors to financial institutions and development programs when necessary.
HORUS’ senior consultants:
Jean-Hubert Gallouët, Chairman
Jean-Hubert is an expert in management, finance and IT, and has been advising companies and public institutions on organizational, management and MIS issues – with a focus on the telecom, postal services, utilities, and financial services sectors – in both France and developing countries for more than 35 years. He has been active in the emergence of microfinance for more than 20 years, through the creation and development of the Advans network, and as a consultant specialized in microfinance and digital finance.
Juliette David, Chief Executive Officer
Juliette joined HORUS in 2004. She initially worked as an expatriate branch manager for Finadev Tchad for two years, where she developed a microfinance offer for women entrepreneurs. She has been conducting research and technical assistance assignments in the fields of financial inclusion, agricultural finance and digital finance since 2006. She also assists financial institutions and financial sector authorities in designing sustainable finance strategies, taking climate and environmental risk into account, and developing innovative solutions to finance transition, adaptation, and resilience. She was appointed HORUS’ CEO in 2016.
Elise Juguet, Managing Partner
Elise joined HORUS in 2015 after having spent four years in private-sector development, working notably for the French Development Agency in Madagascar. She has since specialized in rural and agriculture finance, especially climate change adaptation and mitigation strategies for smallholder farmers, through both project feasibility studies and technical assistance for financial institutions (market studies, product development, etc.). Her other areas of expertise include sectoral studies, business plans and financial modelling, and risk management.
Astrid de Germay
Astrid is an expert in digital transformation and project management. She joined HORUS in 2013 and has since specialized in digital finance, working with governments and public authorities as well as with financial institutions. Astrid has extensive experience in market studies related to digital financial services and in integrating digital finance components into national financial inclusion strategies. She has also broad experience assisting microfinance institutions (MFIs) and banks in their digital transformation, including the selection and implementation of Core Banking Systems (CBS) and other software solutions, whether aimed at improving customer experience or optimizing internal processes. Astrid has supported numerous financial institutions from the design of their digital strategy through to the implementation of digital tools, services and distribution channels.
Ekaterina Diakonova
Ekaterina joined HORUS in 2022 with 12 years’ experience in the financial services and financial inclusion sector, working specifically in offer design, marketing, distribution, digitalization, and innovation. At HORUS, she conducts studies and technical assistance projects, particularly in the areas of digitalization, consumer protection, women’s financial inclusion, and impact monitoring and evaluation. Previously, Ekaterina notably worked for 4 years for Advans International, a network of microfinance institutions, where she was responsible for the digital strategy and supported subsidiaries in the launch and optimization of digital financial services and distribution channels. Her approach is always focused on the end customer.
Lydie Johnson
Lydie specializes in SME finance and the design and supervision of capacity building projects for financial institutions. She has carried out expert missions as senior consultant or resident technical assistant for banks and microfinance institutions since 2006. Her areas of expertise cover strategy, operational organization, marketing (market studies, developing adapted products and services, etc.), credit risk management, and training of banking staff.
François Lécuyer
François has 40 years’ experience in banking and microfinance, as a manager and since then as a consultant. After managing bank branches in France, he was general manager of the main credit union network in Mali (Kafo Jiginew) from 1990 to 1994. He was subsequently in charge of the French Ministry of Cooperation’s microfinance support program (PRAOC) in Africa from 1994 to 1997. François joined Horus Development Finance in 1997, and, since that date, has carried out expert missions in banking and microfinance (feasibility studies, performance evaluations, business-plans, definition of national programs to support microfinance etc.). Head of HORUS’ Research department until 2007, he was then in charge of a microcredit support program at Rabat in Morocco from 2007 to 2010 (PROFOR). He was CEO of Advans Banque Congo from 2011 to 2014.