About Us

WHO WE ARE

The Financial Sector Deepening Moçambique is a facility for financial sector development with a focus on expanding levels of inclusion.We direct our investments and insights to address constraints in the financial market, helping the diversification of Mozambique’s economy and bringing prosperity and economic resilience to Mozambique’s people. At the core of our strategy, are women, youth and the rural low-income population, as well as small businesses that lack access to appropriate and accessible financial services.We support our key stakeholders to both innovate and expand financial services, using technical expertise and targeted funding to boost their capacity and the people they serve.
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.01 MISSION

FSDMoç identies and partners with key stakeholders, offering them targeted investments and insights to unleash the potential of the financial sector to improve financial inclusion.

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.02 VISION

A dynamic financial sector offering quality services that enable resilience and economic empowerment for all Mozambicans.

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.03VALUES

Human Centered Development

We use research, evidence, data and analysis to help market actors to better understand the needs of smallholders farmers, small businesses, women, youth and rural communities. We provide knowledge and know-how to our partners and others, to build the business case for providing appropriate and accessible financial services and products. In particular, we also work with partners to boost financial literacy and build economic resilience among Mozambique’s communities.

TEAM

Chief Executive Officer (CEO)
Esselina Macome

Esselina joined FSDMoç. after a 10-year career at the Central Bank of Mozambique where she was an Executive Director, Payments Systems,  and Board Member.  She led the drafting of the Central Bank’s financial inclusion strategy.  Esselina is a Associate Professor at the Eduardo Mondlane University.   She has extensive experience in information and communication technology – ICT, payments systems, financial inclusion and currency management. She holds a Doctoral Degree (PhD) in Information Communication Technology from the University of Pretoria, South Africa and a Certificate from the FSDAfrica Academy.

Chief Operational Officer (COO)
Moisés Salvador Inguane

Moisés has more than 17 years of experience in organizational development, strategic partnerships, finance, corporate governance and operational management. Moisés’ career spans Branch Operations Manager and Corporate Secretary of Gapi-SI, a Mozambican finance development institution, Organisational Development Director of Mozambique Red Cross, and Special Coordinator of an African National Societies Initiative for the International Federation Of Red Cross. Moisés holds an Honours Degree in International Relations and Diplomacy from ISRI in Mozambique, and a number of International Certificates in private sector Development by the International Swedish Institute for Public Administration-SIPU, Management of owned state enterprises and Government Agencies by Intelligent Africa-South Africa, and FSDAfrica Academy.

Advisor
Anne Marie Chidzero

Anne-Marie has more than 20 years of experience in private sector development, microfinance and small and medium enterprise development throughout Africa. Her experience includes private equity investing with AfriCap Microfinance Investment Company, financial sector development with FinMark Trust, the World Bank and The Consultative Group to Assist the Poor – CGAP, UK Department For International Development – DFID, and other development agencies. She sits on the Advisory Boards of Women’s World Banking, Making Finance Work for Africa, and the Boards of the Africa Enterprise Challenge Fund, and Untu Bank Zimbabwe. Anne-Marie has worked in over 32 African countries, and has a Master’s Degree in Economics from the University of Toronto, Canada.

Grants & Compliance Manager
Titos Uamusse

Titos Uamusse has over 17 years’ experience in Finance, HR and Business Management, before joined FSD worked with TROCAIRE as Regional Finance Manager for 6 Countries in Southern Africa,(Angola, Malawi, Mozambique, Zambia, Zimbabwe & South Africa) , also with AMODEFA as Finance & Admin Officer, and with IPPF as Finance Advisor for Angola & Guine Bissau. In past five years he was working in Ericsson as Finance & Facilities Specialist for Mozambique Branch Office. Titos hold Degree in Administration & Business Management from ISPU and Certificate as Chartered Accountant, and holds a number of Certificates in Finance and Business Management University of Witwatersrand-Johannesburg, Partnership Approach, Financial Management, capacity building- Ireland.

Investment Manager
Benedito Murambire

Benedito has over 20 years of experience in microfinance, strategic organisational development, institutional capacity building, and training design and delivery. Before joining FSDMoç., he worked for Ernst & Young, ICC, and provided consulting services for development agencies, such as UNDP, GIZ, USAID, UN-Habitat, etc. Benedito holds an MBA from the ISCTE Business School from Portugal and a Certificate from the FSDAfrica Academy.

Market Development Manager
Hélder Buvana

Hélder is a professional with passion for Enterprise Development, Local Content, Operations and Supply Chain Management, with over 18 years of working experience. This experience includes the positions of Head of Operations – Lusophone at AMSCO, Mozambique Country Manager for the following organizations; NEPAD Business Foundation, Turner and Townsend and Shwerwood International, and the position of Procurement & Logistics Manager for Tongaat Hulett Sugar Mozambique. Hélder holds an MBA from MANCOSA and a Bcom Supply Chain & Marketing from University of Kwazulu Natal (UKZN). He participated in various professional courses, including the Local Content Master Class, by Henley Business School in UK.

Finance Manager
Belito Botha

Belito has over 19 years experience in finance and administration.  He worked with USAID/Southern Africa Environment Project as the Finance, Administration and Operations Director responsible for the financial & accounting management in Mozambique, Angola, South Africa, Zimbabwe and Namibia, as well as the USAID/CHASSMT- Abt Associates and Swedish Cooperation project as the Finance and Administration Director. Belito holds a Bachelor’s Degree in Business Development and Management from the University of Botswana and Certificate in International Development Programs management from Abt/USAID in United States of America.

Market Insights Manager
Sílvio Chiau

Sílvio is a Management, Audit and Information Technology professional with 10+ years of experience in corporate environments. Before joining FSDMoç, he worked for mcel as the Chief Audit Executive and as the Head of Revenue Assurance Department. He also worked for Alcatel-Lucent Malaysia and Maputo Port Development Company (MPDC). Sílvio holds a Masters’ degree in Management from St. Thomas University and a Bachelor’s degree in Information.

IT Manager
Cristian Bouché

Cristian has over 7 years of working experience and part of the DAI family, where previously he was involved with the SPEED Project as a consultant, managing the systems infrastructure, and now as a full time member of FSDMoç as the Information System’s manager. Experienced Information Technology System Administrator with a demonstrated history of working in the business development industry. And in the free time, an Auto Racing enthusiast and participant.

Cristian is still studying: Honors Degree in Business Administration – Curriculum work concluded – Writing Dissertation work for St. Thomas University. Cristian has also worked as a Product Manager – Head of Department at Construa Buildit for approximately 3 and a half years.

Digital Financial Service Manager
Carlos Valente Mondle

Carlos Valente Mondle is over 20 years of working experience and joined FSDMoç with experience of banking in Mozambique. He has Honours degree in Information Systems (2001).

Previously worked for FNB – Moçambique were served as the CIO for 10 years and before was Head of IT of Banco de Comercio e Desenvolvimento for 5 years. He was full involved in the most recent technical projects performed between Central Bank and financial market players.

Holds certifications on Information and communication technologies and management.

Knowledge, Monitoring and Learning Manager
Anabela Mabota

Anabela brings over 15 years of experience as M&E on economic development area, with speciality on agricultural market information system in Mozambique. Before joining FSDMoç. Anabela worked for six years with USAID Agribusiness Trade Project. Anabela obtained a Masters in Agriculture Economics from The Ohio State University in the USA and holds the FSDAfrica Academy Certificate.

Investment Analyst
Dércio Celestino Pedro

Dércio joined FSDMoç. with experience in banking and insurance in Mozambique.  He worked for BancABC Moçambique where he was responsible for the development and management of banking products for individual customers and SMEs, and Hollard Moçambique Companhia de Seguros as a non-life insurance underwriter. Dércio holds a Postgraduate Degree in Business Administration from A Politécnica, Mozambique and holds a number of Certificates in financial sector development, leadership, and banking from GIBs South Africa, Ubuntu Perspectives, and the FSDAfrica Academy.

Communication Officer
Denise De Fatima Alves

Denise, before joining FSDMoç, worked as an Outreach and Communication Specialist at non-governmental organizations (NGOs) Jhpiego – MCHIP/MCSP, Save the Children International, Chemonics International (Resilim Project), Elizabeth Glaser Pediatric AIDS Foundation (EGPAF), Teledata de Moçambique, Lda and Lurdes Mutola Foundation. Denise has 10 years’ experience in communication and outreach area. Denise has a Degree in communication sciences from A Politecnica University in Mozambique.

Market Analyst
Kátia Agostinho

Kátia brings over 6 years’ experience in business development and research, and is passionate about entrepreneurship and women empowerment. She has an Honors Degree in Economics (2010) and holds a number of Certificates in financial sector development and policy from University of Cape Town (2014), FSDAfrica Academy (2015) and The Smart Design for Policy and Practice Framework by the Harvard Kennedy School of Harvard University (2015).

Knowledge, Monitoring and Learning Analyst
Belmiro Nhamithambo

Belmiro, before joining FSDMoç worked on M&E in non-governmental organizations CARE, Africare, N’weti comunicação para saúde, and ACDI/VOCA.  Belmiro has 9 years of professional experience in the development area, having worked in agriculture, good governance, gender-based violence, among others, for public, private sector stakeholders and donors such as DFID, USAID, DANIDA, Millennium Challenge Corporation and Oxfam Novib. Belmiro holds a Master of Business Administration (MBA) degree from Cela Open Institute, Madrid-Spain and holds training Certificates on M&E from IMA International, Oxfam NOVIB, USAID Learning Centre, and Inter-American Development Bank, as well as the FSDAfrica Academy.

Junior Analyst
Almeira Paruque

Almeira is part of FSDMoç’s Investment team and is responsible for assisting Investment, Grants and the Monitoring and Evaluation activities during projects’ implementation.  Previously, she has worked in the Operations and International Cooperation departments of the Mozambique Stock Exchange and has more than 6 years’ experience in financial markets, strategic plan and financial education program design and implementation, communication and data creation and analysis. She holds a Master of Leadership and Organizations from the Malmö University and a Bachelor of Business Administration from the Midrand Graduate Institute.

Junior Analyst
Vânia Matola

Vânia is over 4 years of working experience in Hotel Management and over 4 years working experience in Project Management and before joining FSDMoç she worked as the Project Assistant of Project for Enhancing Capacity of Investment Promotion and Facilitation in the Republic of Mozambique funded by Japan International Cooperation Agency (JICA). She also worked as a Researcher at the consultancy firm- Executive Research Associates, Lda.

She holds a Masters’ degree in Analysis Techniques and Tourism Innovation from Universitat Rovira i Virgili (2012).

Administrative Assistant and Accountant
Elzo Tomás

Elzo is a Professional of Administrative and Financial Management with 10 years of experience, and with deep passion for Commercial, Logistics and Events Management. Prior to joining the FSDMoç he was Administrative, Logistics and Commercial Manager at Pharmalife, Lda. He also worked as an Accounts Payable and Treasury Technician at Odebrecht Serviços Abroad (OSEL). Has the degree of Medium Technician of Accounting and Financial Management by the Institute of Transports and Communications.

Receptionist and Secretary
Filomena Mondlane

Filomena assists the team in all administrative matters and is Personal Assistance to the CEO.  She holds a High School Diploma and a Certificate in Office administration. She brings over 6 years’ experience as a secretary for NGO’s and other private institutions.

IC Members

Chair
Sergio Dista

Sergio is a DFID Private Sector Advisor and Senior Responsible Owner of FSDMoç. Sergio has significant experience in a number of different roles focusing on development economics, poverty reduction, and private sector development.

As Private Sector Advisor at DFID and as Economist and Project Development Specialist at USAID, Sergio has been working in developing policies and programmes that encourages economies to be more competitive, driving inclusive growth, and reduce poverty.

As an International Trade Adviser in Ministry of Trade and Commerce in Mozambique, Sergio has advised the Government of Mozambique on the Economic Partnership Agreement (EPA) negotiations with the EC and also on SADC Trade Protocol. As State Budget Adviser, he was forecasting, modelling and analysing macroeconomic indicators and also advising fiscal policy targets for Government Budget setting process.

Mark Napier

Mark is Director of FSD Africa and also leads its work on capital markets development.

Mark’s early career was in investment banking in the City of London (Close Brothers) where he advised growth companies on M&A and capital raising. He has now been involved in financial sector development in Africa for well over a decade. He was CEO of FinMark Trust, one of the first to pioneer a market development approach to building financial inclusion. He also has experience as an independent consultant specialising in access to finance in developing countries, mainly in Africa.

Mark was Director of Investment Innovation of CDC, the UK’s development finance institution. He has written papers and articles on financial sector development and was commissioning editor for a 2010 book of case studies on financial innovation in Africa – Real Money, New Frontiers.

Marielle Zeidler

Marielle is a microfinance sector specialist with more than 25 years’ experience in Sub-Saharan Africa. She has gained extensive knowledge through her work in Luso and Anglophone African countries as resident advisor in Angola, Mozambique, South Africa, Zimbabwe and Namibia. Marielle is presently pioneering digital finance innovations in Mozambique and is driven by the conviction that private sector leadership can unlock new dimensions in financial inclusion for underdeveloped markets in Africa. She believes that working to scale requires tools and commitments that reach far beyond traditional development paradigms.

Marielle’s key competencies are in sector relevant research. This includes like due diligence on Microfinance Institutions and banks, financial and social performance analysis, microfinance and financial sector assessments and household and market surveys. Marielle has worked on macro, meso and micro levels with public and private sector institutions. She has worked with a range of international partners and is recognised as a sector leader in the sub-region with global reach.

Her specific strengths are her hands on management experience in developing (green fielding), managing and transforming microfinance institutions and on the national level with central banks in Southern Africa. Through facilitating the start-up of the AMOMIF network of microfinance institutions in Mozambique, where the central secretariat operated as an incubator, and her work with the Mozambican Central bank, she gained invaluable experience about what really works in the Mozambican financial sector. Marielle is passionate about practical implementation and puts the client at the heart of her work.