Board of directors


  • Jean-Jacques Calcat, Chairman of the Board of Directors of Crédit Agricole Leasing & Factoring, Chief Executive Officer of the Crédit Agricole Nord Midi-Pyrénées Regional Bank
  • Marie-Françoise Bocquet, Chief Executive Officer of Crédit Agricole Île-et-Vilaine Regional Bank
  • Philippe Dumont, Deputy Chief Executive Officer of Crédit Agricole S.A. in charge of Specialised Financial Services and Chief Executive Officer of Crédit Agricole Consumer Finance
  • Alix Caudrillier, Head of Subsidiaries and Affiliates at Crédit Agricole S.A.
  • Véronique Racoussot, Head of Payments and Customer Service Transactions at LCL
  • Laurent Bennet, Head of Agriculture, Agrifood and Business Services at Crédit Agricole S.A.
  • Jean-Christophe Kiren, Chief Executive Officer of the Centre France Regional Bank
  • Guillaume Rousseau, Chief Executive Officer of the Crédit Agricole Brie-Picardie Regional Bank
  • Thierry Simon, Head of International Trade and Transaction Banking, member of the Executive Committee of CACIB
  • Renée Talamona, Chief Executive Officer of the Crédit Agricole Lorraine Regional Bank


Executive committee

Philippe Carayol

Philippe Carayol, Chief Executive Officer of Crédit Agricole Leasing & Factoring

Philippe Carayol began his career in 1982 at the Crédit Agricole Charente Regional Bank, now Charente Périgord following the merger with the Dordogne Regional Bank. Head of the Corporate Market in 1991 and then Head of the Sales Network in 1997, he later transferred in this position to the Gironde Regional Bank in 1999. He was subsequently appointed as the Deputy CEO of the Charente-Maritime Deux-Sèvres Regional Bank in 2002. In 2006, he joined the Aquitaine Regional Bank in the same role. He took up his duties as CEO of CAL&F on 1 September 2011. Born in 1957, Mr Carayol holds a degree in Agrifood Engineering from ENITIAA Nantes.




Christophe Vandenkoornhuyse

Christophe Vandenkoornhuyse,Deputy Chief Executive Officer in charge of Development

Christophe Vandenkoornhuyse holds a degree from the Institut supérieur de l’électronique et du numérique. After spending eight years at the Atos Group, where he worked in the fields of customer relations, CRM and payments, he joined the Crédit Agricole Group in 2003. Since then, he has held several management and executive positions within the Group’s consumer finance activities (Finaref, Sofinco and CA Consumer Finance), both in France and abroad. He joined Crédit Agricole Cards & Payments in late 2011 as Head of Sales and Customer Relations and member of the executive committee for the Group Payment Unit. From early 2015, within this unit, he also headed up the ATM, merchants and business intelligence activities. From May 2016, he became Head of Sales of the new Crédit Agricole Payment Services Unit, and he placed particular focus on boosting the sales momentum of the Group’s banks for its payment activity.


Frédéric Madalle

Frédéric Madalle, Deputy Chief Executive Officer in charge of Operations 

Frédéric Madalle has spent his entire career at Crédit Agricole. Starting at the Crédit Agricole South-East division in 1987, he continued his career at Crédit Agricole Alpes Provence and then Crédit Agricole Quercy Rouergue, occupying various positions within the Finance division up to that of Head of Finance and the Corporate Market from 1997 to 2002. In 2002, he joined Crédit Agricole Île-de-France, where he was successively Regional Head of Sales, Head of Commitments and Risk Management, and then Head of Marketing and Communication. In 2007, he was appointed as Deputy CEO of the Toulouse 31 Regional Bank, before joining Crédit Agricole Technologies & Services in 2009 as Deputy CEO. From 2012, he became CEO of Nexecur, stemming from regional company CTCAM, whose transformation he steered to make it a rapidly expanding national company recognised for its quality of service.



Maha Sefrioui, Head of Strategy, Marketing and Communication

Gabriel Orio, Head of Sales for France-based Networks

Véronique Rigal-Antonic, Head of Factoring Customer Relations

Arnaud Collomb, Head of Permanent Control and Risks

Bruno Desplanques, Head of Information Systems

Eugénie Aurange, Head of Operations, Remarketing and Commitments 

Corinne Darbon-Lagay, Head of Human Resources and Organisation

Fabien Laherrère, Head of Finance, Litigation and Legal Affairs

Christine Delamarre, Head of Energy and Territories Financing