Joël is an executive with 24 years’ experience in three highly competitive and fast-growing industries such as oil, wireless telecommunications (sales, distribution, marketing, communication and customer experience) and digital financial services The breadth and depth of this experience helped him further develop a set of skills: Superior negotiations skills, business judgment, sense of initiative and leadership, analytical mind, understanding of strategic issues affecting the market. He has relevant expertise in digital financial services field in Francophone Africa: Compliance, agent network animation, value proposition, business development, strategic planning, customer experience, financial inclusion, agency banking, USSD services, among others. He holds two masters degrees in Political Sciences and Business Management from University de Lille in France; and speaks French and English.