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HABIMANA Hassan is a Certified Access to Finance Expert with over 15 years of work in financial sector in various key areas in regulatory and non-regulatory institutions as well MSME as cooperative organisations. I worked with various from non-profit oriented to national, international, private and public organisations in both rural and urban areas. AGASEKE BANK (now Bank of Africa) a Private Financial Institutions operating in development finance in Rwanda, as Credit Analyst.

Rwanda Social Security Fund (now Rwanda Social Security Board) a public pension fundwhere he was a Professional Officer in Branches Gatsibo and Nyabihu. National Bank of Rwanda as SACCOs and MFIs Inspector in charge not only ensure that they comply with rules and regulations but also with the best practices. WORLD COUNCIL of CREDIT UNIONS (a UNCDF funded project) in Rwanda as Consultant where we developed and trained Policy Manual that includes Credit, Saving and Liquidity Policies and business plan. Developed various customised credit products including agricultural products and conducted training nationwide.

Developed three modules of Loan Management, Delinquency Management and Introduction to Accounting for MFIs for Rwanda Institute for Cooperative and Microfinance (RICEM) and since then I am a Master Trainer for developed materials. I conducted various training of loan management among of them for Credit Committee & Loan Officers from various MFIs including National Credit Committee of Umwalimu SACCO. In July 2016 I did the Agricultural Business Development Services Providers Mentorship for RICEM and MSME operating in agricultural sector including financial services providers about the preparation of business plan, financial modelling and case studies successfully and since then I am a member of National Forum of AGRI - BDS Mentors in Rwanda.

GPO PARTNERS Rwanda ltd and AMIR where I was in charge of due diligence, data cleaning and validation in rural saving and Credit Cooperatives and supervised the same activity. I conducted Assessment of SACCOS & MFIs Financial support to dairy value chain in RWANDA for RWANDA DAIRY DEVELOMENET project (RDDP)/MINAGRI/RAB an IFAD funded project.

I participated in development of COGEBANQUE PLC operations policy and respective procedure manuals. Developed policies and manuals for various intermediaries institutions among;

procedural manuals, code of conduct, internal control, whistle blower policies among others. I conducted trainings and coaching mainly on governance and loan management. Mr. Hassan participated developing, revisions and finalisation of existing curricula for various positions of Cooperatives or Microfinance Institutions and coming ups with a training programs or course to be offered by RICEM as required by WDA.