Consumer Credit – State of Play & Outlook

Introduction from the Session Chair
Christian Kuendig / Managing Director & EMEA Head of Non-Bank FI, Fitch Ratings

“Christian Kuendig is a Managing Director in Fitch’s Financial Institutions Group based in London. He heads up the non-bank financial institutions team for the EMEA region. The team, based in London and Frankfurt, covers a broad range of finance and leasing companies as well as investment managers, securities firms and financial market infrastructure firms. 
Previously, Christian was a senior analyst in Fitch’s banks rating team, covering a number of large global trading and universal banks, banks in Germany, Switzerland and Austria, the UK, Greece, Cyprus, Egypt and French-speaking Africa. 
Before joining Fitch in 2004, Christian worked as a financial journalist for the German and English language desks of Reuters (now Thomson Reuters) in Zurich, Switzerland. 
Christian holds a Master of Arts degree in history and international relations from the University of Zurich and a Master of Science degree in International Political Economy from the London School of Economics and Political Science.” 

Stéphane Priami / CEO, Credit Agricole Consumer Finance

Stéphane Priami is Chief Executive Officer of Crédit Agricole Consumer Finance and Deputy Chief Executive Officer of Crédit Agricole S.A. in charge of the Specialised Financial Services (SFS) business line, which encompasses the consumer finance, lease finance and factoring activities. He is a member of the Executive Committee of Crédit Agricole S.A.
Stéphane Priami began his career in 1982 in the Banques Populaires network. He joined the commercial network of the Crédit Agricole Ile-de-France regional banks in 1987. Between 1990 and 1996, he was head of products for the professional clients segment before being appointed inspector and team leader in the General Inspection department of Caisse Nationale du Crédit Agricole. In 1996, he was named head of distribution channels for the individual and professional markets division during the launch of the Group’s web solutions.
Between 2000 and 2004, Stéphane Priami held a number of management positions in succession, overseeing marketing, communication, remote banking, finance and distribution at Caisse Régionale de Gironde, and then Caisse Régionale d’Aquitaine after its merger. In 2005, he was named Deputy CEO of the Caisse Régionale des Savoie, with responsibility for development.
In 2009, he took up the post of Deputy CEO of LCL responsible initially for compliance and subsequently for processes, technologies and real estate. He joined Crédit Agricole Consumer Finance in 2013 as second executive director and CEO of Sofinco.
In 2018, Stéphane Priami was appointed Group Head of Compliance, and member of the Executive Committee of Crédit Agricole SA.
Stéphane Priami, 57, holds a graduate diploma in banking. He is an officer of the Order of Agricultural Merit (chevalier du Mérite Agricole). In 2021, he was promoted to the rank of knight of the Legion of Honour (chevalier de la Légion d’Honneur). This decoration rewards his commitment to the service of the territory and the French people in order to enable everyone to consume better.
Stéphane Priami is the author of two books published by Revue Banque and Economica.

Sylwester Pedowicz / Country Manager, Ikano Bank Poland

Since 2010, he has been developing and managing the branch of the Swedish Ikano Bank in Poland. Previously, among others: Member of the Management Board of HSBC Bank Polska S.A., Member of the Management Board of Toyota Bank Polska S.A.. In total over 30 years’ experience in banking sector, co-organizer of several greenfield bank projects in Poland. 
Vice-chairman of the Council of the Association of Financial Companies in Poland. 
Member of the Board of Directors of Eurofinas (European Federation of Finance House Associations