Microcred Governance and Institutional Structure

Mr Mohamed Louzir is a chartered accountant and a member of the Tunisian Order of Chartered Accountants, with more than 40 years of experience in auditing, consulting and corporate finance, including 13 years as Managing Partner of Deloitte Tunisia. He currently chairs the Board of Directors of Microcred SA, drawing on his extensive knowledge of Tunisia's business environment and commercial, accounting, tax and social regulations. A board member of several companies in the industrial, commercial and distribution sectors, he also serves as Secretary-General of the Tunisian-French Chamber of Commerce and Industry (CCITF) and supports numerous startups in their development in Tunisia and internationally. A member of Paris Business Angels and an active investor in the entrepreneurial ecosystem, he has carried out audit and business upgrading assignments for local and multinational groups, as well as international development partners including USAID, the European Union, the EIB, AFD and the World Bank.

Ms Nihed Ben Ayed has served as a delegated project owner within a property development company since 2002. With more than 20 years of experience, she has developed multidisciplinary expertise in project management, governance, strategy, risk management, finance and the management of complex operations.
She sits on the Board of Directors of Microcred SA and is a member of both the Risk Committee and the Strategy and ESG Committee. She also serves on the boards of a financial institution and an industrial company, contributing to governance, strategic direction and oversight.
Active in the nonprofit sector, she has volunteered for more than six years with a public-interest foundation, supporting impactful projects in education, culture and healthcare.
Across the governance bodies in which she participates, Ms Nihed Ben Ayed applies her expertise to strategic thinking, monitoring, risk management and the promotion of good governance practices.

Founder of the INSIGHT training and consulting firm in 2008, following a career in university teaching in statistics and professional experience. An international consultant and expert, she helps organisations with innovation strategy and business management while incorporating responsible and sustainable practices, and has earned several certifications.

An engineer by training, he is Director General of the Arab ICT Organization (AICTO). Before being elected Director General of AICTO in 2016, Mr Ben Amor successively served as special adviser to several ministers responsible for communication technologies and higher education (2011–2016), and as Director General of the Telecommunications Studies and Research Centre (2009–2011).

She holds a doctorate in finance and teaches at IHEC. She is a member of CONECT's scientific council. Her areas of expertise include corporate finance, financial markets and risk management, with a particular focus on financial inclusion.

Mr Malek Bayahi is Deputy CEO, Finance & Trade at SICAM, where he brings a strategic and holistic vision to the development, marketing, sales, finance and management control departments, providing decisive leadership. He joined the group in 2023 as a logistics project manager, then led the supply chain with a focus on automation and new technologies before taking up his current position in 2026.
Previously, he worked in private equity at DPI LLP in London and in property project management for Société Immobilière Montfleury. He holds two master's degrees in management and real estate development from IE Business School (Madrid), as well as a bachelor's degree from King's College London.

Mr Aymen Ben Hlima, a qualified chartered accountant, is Head of the Finance & Strategy Division at Amen Bank. He has more than 18 years of experience, including 10 years in an accounting and advisory firm specialising in auditing and consulting, followed by eight years at Amen Bank. There, he successively served as Chief Financial Officer, Central Director of Finance & Strategy and Head of the Finance & Strategy Division. He has extensive expertise in banking and corporate finance, financial strategy, governance and transformation, along with in-depth knowledge of Tunisia's regulatory and prudential framework. In this capacity, he actively contributes to defining strategic directions and decision-making within the governance bodies on which he serves. Certified as a Director of Banks and Public Enterprises by the Tunisian Institute of Directors and holding an ESG certification, he represents Amen Bank on the boards of several companies operating in a range of sectors.

He is a Tunisian financial analysis expert with more than 35 years of experience in investment banking, investment management and European financial markets. A specialist in the cement and building materials sectors, he was recognised by Reuters as one of the sector's leading analysts. He has held management positions at Tunisie Valeurs, founded Axis Capital, headed Axis Capital Bourse and served as Managing Director of AFC before becoming an independent consultant. A member of the French Society of Financial Analysts, he has also chaired the Tunisian Association of Financial Analysts and advised numerous companies and major groups in Tunisia.