Jean Jacques MUTABARUKA

As a Financial Management Expert and Advisor, I currently support innovative agribusiness start-ups companies based in Africa (Senegal, Ivory Coast, Democratic Republic of Congo) by providing strategic financial advisory, developing investor-ready business plans, and designing customized financial tools to strengthen their investment readiness and operational capacity within the agribusiness value chain. Key tasks and achievements: • Financial modelling & cost structure mapping: engaging directly with founders and technical teams to assess innovations business models, map business processes & regular activities, build financial models by translating processes into logical optimized financial flows that support effective budget control, financial planning, and global performance monitoring (financial, economic, social and environmental performances). • Strategic financial advisory & investor support: advising founders about the financial implications and investment potential of their innovations. Supporting the preparation and delivery of compelling investment pitches, and accompany them in discussions with impact investors, development partners, and climate finance stakeholders. • Development of financial management tools: Design and implement automated financial tools (e.g., budget dashboards, cash flow trackers, and variance analysis templates) to enable efficient financial management, reporting, and data driven decision-making • Impact-oriented business planning: Co-develop comprehensive business plans with a focus on investment planning, climate resilience, and financial sustainability. These plans aim to maximize returns for founders and investors, while contributing to broader development objectives such as food security, youth employment, community development, and climate change adaptation.

As Financial management expert, member of the IRC (independent Review Committee), I have the mission to advise the Gavi’s CEO and FD&R (Funding, Design, and Review) secretariat on countries requests for financing of vaccines programs, about funding strategies and formulate recommendations for improving Gavi’s funding processes and program effectiveness. The aim of the IRC review is to make a recommendation as to whether a country plan will likely achieve (on a balance of probabilities) the proposed results and contribute to Gavi achieving its mission and strategy. Specific assigned tasks include: • Financial & budgets analysis: extensive review & analysis of budgets and financial management processes made by countries requesting financing support destinated to immunisation plans, vaccine introduction or vaccination campaign action plans. • Reporting & recommendations about countries requests: advising on whether to fund country plans and programmes and providing recommendations about efficient management of financial support to be granted and about Gavi programmes & policies. • Participation in the Alliance Partnership and Performance Team (APPT) meetings: proceeding with deeper analysis to provide advisory to the Gavi’s CEO: - assess the effectiveness of Gavi support to countries to reach Gavi’s strategic goals - contribute to APPT discussions and advise on accountability frameworks for Gavi funding levers - provide guidance to the Gavi CEO and Alliance partners on operational course correction at country portfolio and programmatic/thematic level - establish a feedback loop with the Gavi PPC (Programme and Policy Committee) Achievements: Up to now, I contributed to the review, analysis & evaluation of 21 countries requests for 30 immunisation programs, totalling up to more than USD 190 million and impacting 48 million people. I helped to identify and analyse budgeting errors to be notified to the countries teams and to be corrected before disbursement of financing. This enables Gavi secretariat to avoid or at least minimize financial issues while executing budgets and/or avoid having financing gaps that may compromise the good realization of planned activities and at the same time allows to optimize the value of Gavi investments in an environment of constrained financial landscape.

As Financial analyst expert, I have been consulting with private companies and international organizations in various countries in Europe (France, Germany, Switzerland) and Africa (Rwanda, Congo, Senegal, Burundi, Ivory coast, etc) within diversified sectors, on projects related to: * financial markets (liquidity, derivatives, money markets, fixed income, Equities, etc) * corporates financial management: financial risks management, fraud detection, financial data reconciliation, tax management, investment management, products portfolio optimization, etc * budgets management: detailed budgeting, efficient budget monitoring & analysis, budget adjustments * automation of financial data processing, financial analysis & reporting, financial flows optimisation, financial advisory & data driven decision-making * leading the supervision of finance teams and their capacity-building, enhancing their performance in financial planning, budget preparation & execution, and timely, high-quality financial reporting * implementation & financial evaluation of big projects financed by governments, international donors (UN agencies, multilateral development banks, development agencies, etc) * preparation of technical & funding proposals for donors: projects in various domains including green energy & climate change finance, agribusiness value chain, industrial processing, mining, etc Key realised tasks: • Development of algorithms & automated tools to streamline financial data processing: leading teams of professionals to address clients ‘needs by efficiently producing reliable financial analysis & reports for companies across Europe and Africa. I help clients to boost efficiency via financial data processing automation (data mining – data cleaning – data analysis & reporting) and enhancement of data driven decision-making. • Analysis & reconciliation of financial data: I help clients to make analysis & reconciliation of large volume of data (internal & external) to solve issues related to frauds, taxes, cashflows & payments, optimization of assets allocation, exchange rates, inventory management, etc) • Financial advisory: providing data-driven financial advisory to support clients in making informed strategic and operational decisions with confidence and clarity. • Efficient budgeting & budgets management: preparing analytical budgets based on deeper analysis of previous budgets and gaps between previous budgets vs realisations; regular budgets analysis & monitoring by automating processes to reduce analysis time, improve accuracy, detect errors on time and capture gaps in budget execution that need to be reported to decision maker for prompt and timely adjustments where necessary. Achievements: I helped clients to reduce significantly financial reporting errors and frauds by more than 80%, and to improve productivity of accounting & financial management teams by at least 30%. Reducing financial data processing time by 90% (in average) helps clients to receive accurate inputs on time to enhance financial decision making by detecting, anticipating & mitigating better risks and reducing considerably the level of stress. Reducing time spent by finance teams to develop financial models and business plans by more than 60% and ameliorating significantly quality of financial models and financial projections by automating most of tasks

As Financial Analyst & expert in financial data processing, I lead the team that has developed an internal application for the Audit company to automate the analysis of portfolios of loans granted by microfinance institutions and optimise calculations of the IFRS 9 ECL (expected credit loss) model computation. Specific accomplished tasks include: • Financial analysis & modelling: developing financial models to & python modules to automate calculations of IFRS 9 expected credit loss (ECL), including risk segmentation, probability of default (PD), loss given default (LGD), and exposure at default (EAD), enabling accurate provisioning and compliance reporting. • Business analysis: supervising and coordinating business analysis processes (including discussion with the client/head of finance department) aiming at analysing and translating business requirements into optimised functional specifications, and ensuring workflows traceability. • Solution documentation: production of documents including user guide, bugs and their correction, etc • Development of modules: coordination and contribution to the development of application’s modules in python & VBA (Visual Basic for Application) - Excel Achievements: The application we have developed enables auditors to very quickly and efficiently proceed with computation of IFRS 9 model components for any loan portfolio. It also allows to perform data quality checks by detecting errors such as duplicates and/or missing data, prior to computation, ensuring accuracy and reliability of output results. It is helping microfinance institutions in Rwanda to enhance transparency, governance, and IFRS 9 compliance, reducing considerably calculation of loans' provisions errors by more than 80% and allowing to sanitize the microfinances' portfolios.

As Financial Analyst & expert in financial data processing, I lead the team that is developing an internal application to manage the flows of payable invoices and integration of the solution with SAP to automate accounting recordings, management, monitoring & analysis of budget. Specific accomplished tasks include: • Technical analysis & advisory: providing technical advisory about the solution design, solution modules components, users rights management, optimisation of workflows, interactivity with other applications used by the company in its financial management, budget monitoring and financial reporting. • Business analysis & solution documentation: supervising and coordinating business analysis processes (including discussion with the client/head of finance department) aiming at analysing and translating business requirements into optimised functional specifications, and ensuring workflows traceability • Development of modules: coordination and contribution to the development of application’s modules in python & VBA (Visual Basic for Application) - Excel Achievements: The application that we have developed, with the team I led, is helping the finance department of GRCH for an efficient analysis and monitoring of payable invoices (invoices from suppliers) and for budget analysis: efficient calculation and explanation of variances, projections scenarios analysis, quick informed decision making and budget adjustments where necessary. The time spent by GRCH teams for budget monitoring & analysis has been reduced by more than 50%.

As Market Trading Analyst within the department of Equity derivatives, I worked closely with traders, structurers, and senior managers (heads of trading desks and Equity Derivatives) in the Structuring & Trading department, supported valuation of complex portfolios, developed risk analysis tools, and contributed to strategy optimization through advanced quantitative modelling and automation. Specific accomplished tasks include: • Post market analysis of trading portfolios: to calculate the valuations of trading portfolios (buy-sell & borrow-lend) and handle management of various risks (price, interest rates, forex -foreign exchange- rates, dividend, repo, volatility). • Market intelligence analysis: to analyse large volume of data related to the trading operations treated on the market to detect potential arbitrage opportunities and to build & test new trading strategies. • Multicriteria & quantitative data analysis: to optimize the hedging, assets allocation (fixed income products, equities & cash) and collaterals under multiple complex constraints. • Development of algorithms & automated tools: great contribution to the modelling, development of algorithms and development of various automated tools that have been used by the Market Trading Analyst team. Achievements: The Algorithms & automated tools I have developed, allowed to reduce significantly processing time by 70%, to reduce costs by 25% - 30% while ensuring stable optimisation of daily assets allocation with portfolios worth EUR 10+ billions. Leveraging market intelligence analysis, I helped to structure new financial products tailored to the specific needs of clients, including asset managers and pension funds, ensuring alignment with performance objectives, risk profiles, and regulatory compliance in a dynamically evolving market environment.

As visiting Professor, I was in charge of the course on Financial Derivatives (Futures, Options, Swaps : Pricing & applications) for the Students in the last year of the Master of Finance : * principles of valuation & pricing of derivative products * use of financial software (Bloomberg) & MS Excel to price derivative products

Budget Planning & Management Prepare & Conduct meetings with International donors Fundraising Activities Help local NGOs in Finance Management

Implementation of an automated financial management system Optimization of Logstic chain of JRS Trainings to Refugees how to set up and Manage small businesses Conception & implementation of a Microfinance system to help & finance Refugees small business projects Assist and/or Represent Regional Director in Meetings with other Refugee Camp partners

Assistant Lecturer in charge of Mathematics tutorials