Christelle Guerand-Paoli

Christelle GUERAND PAOLI is program director at Crédit Agricole Group, N°1 bancassurance Groupe in Europ, with 51 million retail customers in France. Crédit agricole is a mutual and cooperative group and a retail bank, which continues to rely on the strength of its local network, but also adaptes to changes in customer trends. It provides straightforward, independent advice, offering both the best digital services and the expertise of its own personal advisor.
She is a graduate of ISC Business School Paris, specialized in Marketing.
For the last 25 years, she has accompanied the successive transformations of the Credit Agricole within the banking world focusing more specifically on credits and payments: including first websites, first online banking, first experiences of Artificial Intelligence, new payment means.
She is leading innovation and transformation programs to improve the customers’ banking experience, a human link enriched by the digital, which must enable to offer to customers a relational model of a bank 100% human and 100% digital. She helps Crédit Agricole societies use technology in innovative ways to address business-critical challenges and deliver superior experiences for their customers
She acts every day in a useful and responsible way, based on a sense of balance with respect to field sales needs, market requirements, and customers’ expectations. The common thread of her experience is performance improvement, continuously focusing on value added for customers (internal or external), and expertise in all phases of product and services definition, development and launch, as well as strong experience in projects teams management.
She currently leads the implementation of instant payment within the Crédit Agricole Group. The Single Euro Payments Area (SEPA) Instant Credit Transfer (SCT Inst) is designed to make payments faster, more transparent and more convenient for businesses and consumers across Europe.