هشام بناني

Ongoing Project : CREDIRECT.MA 02/2024 -
• Support in commercial and strategic approach
• Implementation of a comprehensive 360° information system covering business, finance, marketing, CRM, and sales
• Assistance in developing a proprietary distribution network and setting up the franchise business model
• Support in institutional fundraising with hedge funds and family investment funds


Ongoing Project: INNOVA SMART HEALTH 01/2025 - 03-2025

• Support in the commercial and strategic approach
• Commercialization of the ClinOps solution
• Support in institutional fundraising: EBRD European Bank for Reconstruction and Development

• Supervise all relevant aspects of the organization: finance, purchasing, procurement, logistics, management
• Supervise the administrative, social, health and logistics management of the various divisions and structures
• Prepare the draft annual action plan (management, finance, budget, human resources, communication)
• Implement decisions made by the Chairman of the managing association, the management committee and the steering committee
• Participate in the steering committee and ensure regular consultation with the supervisory and administrative authorities (ministry, wilaya, governorate, prefectural council, local council, town hall, etc.)

• Develop the market for public and private administration agreements
• Develop the company's own distribution network in Morocco
• Initiate and lead prescribers and business introducers
• Establish incentives for the distribution network.

• Defining and implementing the business development and pricing policy
• Implement the sales approach (prospecting, research, closing and selling)
• Communicating and promoting the product range through various media and supports
• Compliance with charters and monitoring the application of specifications
• Manage key account customers.

• Developing our own distribution network
• Creation and development of the ‘GE’ Convention market Large public and private companies
• Management of external distribution networks (AL BARID BANK ABB, CIH, Authorized Agents)
• Designing and implementing new products and financing solutions (automotive product and financing packages, household equipment, etc.)
• Developing the marketing and communication strategy (B to B, B to C)
• Developing and deploying corporate communications
• Monitoring the economic and strategic situation of the market (personal loans, car loans, household equipment) and the strategy for expanding external networks in the territory.

• Develop and monitor the network at regional level. (penetration rate, conversion rate)
• Set targets and monitor sales performance
• Initiate agreements with public authorities (ministries, administrations, public offices)
• Implement the credit marketing strategy via the direct network (methodology: approach, speech)
• Supervising branch managers and sales advisers
• Recruiting, training and coaching sales team
• Initiate and lead strategic prescribers for the Group. (solicitors, developers, business agents, intermediaries)
• Create financing solutions and real estate product offerings.


03/2006 - 08/2008: Agency Manager.

• Prospecting and implementing the mortgage marketing strategy
• Developing and coordinating the network of prescribers
• Managing operational credit risk
• Operational management of the branch in terms of flows
• Implementation and roll-out of a new information system (change management for sales network users)
• Implementation of a local network development strategy
• Train and coach new branch managers
• Maintaining close relations with all players in the sector: property developers, brokers, intermediaries, developers' federations, land conservation, urban agencies, etc.

05/2005 - 02/2006: Sales Advisor
• Turn prospects into customers
• Review and authorize credit applications (in accordance with authorized powers)
• Maintaining and managing the prescriber database
• Running stands at property fairs
• Sales prospecting (new developers, start-up of property projects)

Prospecting and implementation of customer portfolio
Animation a portfolio Management of key accounts.

• Product Manager for PCs, laptops, workstations, pocket PCs and new wireless technologies
• Establish the sales and marketing strategy (adopt the worldwide approach and adapt it to the specific characteristics of the African market)
• Introduce and launch new products on the African market (French-speaking and English-speaking)
• Draw up marketing communications plans.
• Establishing incentives for the distribution network (wholesalers, resellers, retailers, etc.).
• Set the pricing strategy for the product range.
• Organizing sales strategy and product information seminars.
• Organization of SITEEXPO (IT trade fair)
• Pre-sales technical consultant.
• Product manager handheld computer