Hayder Al-Bagdadi

Hayder Al-Bagdadi is the head of the two GIZ programmes “Promotion of the Microfinance Sector in the MENA Region (MFMR)” and “Promotion of Access to Financial Services for SMEs in Egypt (PAFSME)”. Prior to his current position, Hayder worked for the Alliance for Financial Inclusion (AFI) as a Policy Manager in the areas of digital financial services and SME finance. He also managed AFI’s policy grant portfolio for the Pacific, Asia, and Eastern Europe.

Before AFI, Hayder spent eight years at GIZ working on financial system and private sector development issues. At GIZ Headquarters’ in Germany, he was an Advisor in the Financial System Development (FSD) Unit of the Economic Development and Employment Department responsible for GIZ’s FSD programmes in Asia. Prior to this, Hayder served as a Project Manager in private sector development programmes in Indonesia, Bosnia and Herzegovina. His career began focusing on microfinance at GIZ Headquarters’ in Germany”


Thomas Rahn

Thomas Rahn joined the GIZ Programme for the Promotion of the Microfinance Sector in the MENA Region in May 2012 after having completed 3 years at the GIZ headquarters in Eschborn in the teams of migration and financial systems development. He is based in Ramallah since 2017 after almost 5 years in Jordan and advises the Palestine Monetary Authority on inclusive financial sector conditions.

Between 2012 and 2016, Thomas coordinated the programme’s activities in Jordan and the Palestinian Territories, and since 2015 managed the joint EU and German programme component towards the Jordanian government, Central Bank of Jordan, and the Development and Employment Fund on the implementation of the national microfinance sector reform.

Thomas is a graduate of European Studies at Osnabrueck University, focused on European development and Mediterranean policy and is an expert of the Middle East region. Before joining the GIZ team, he worked in the cooperative banking sector in Germany.

Maha Ezz

Working as a Senior Administrative Professional for MFMR and another GIZ regional programme (ACCWaM) based in Cairo, Maha is responsible for financial and office management and can draw on many years of working experience at GIZ, having joined the organisation in 1985. She received her secondary education at Deutsche Evangelische Oberschule (DEO) in Cairo, went on to study philosophy and psychology at the University of Alexandria and also gained an IATA international consultant diploma.

Khaled Karam

Works as a Junior Accounting Professional for MFMR and another GIZ regional programme (ACCWaM) based in Cairo. Khaled holds a B.A. in Accounting and Auditing from Cairo University. He has been working for GIZ since 2009 and joined the MFMR team in October 2011.

Atilla Kaiser-Yücel

Is an advisor to the Central Bank of Jordan for financial inclusion and microfinance matters and for the programme’s strategic communications. He has gained experience in financial sector development as an advisor and researcher for (Islamic) MSME finance and cross-border bank supervision issues. Atilla holds a M.Sc. degree in finance comprising bank regulation, corporate finance and behavioral finance, and completed the 2015 Boulder Microfinance Programme.

Bilal Yan Hagen

Bilal Yan Hagen joined MFMR in November 2016 as the team coordinator of the project in Jordan, where he is responsible for steering the activities supported by the EU. Prior to his current position, he worked at the GIZ in Laos as an advisor and team coordinator at the programme Access to Finance for the Poor, advising regional network organisations supporting the development of village banks and being responsible for capacity and concept development.

Since 2005 he has been working in the field of international development, microfinance and financial system development in West Africa and Southeast Asia, gaining experiences at the development of apex organizations and at the foundation of member based MFIs ,such as savings and credit cooperatives and village Banks.

In addition to his work experiences in the International Development Cooperation, he worked in the German private sector acquiring experience in project management, investment and purchasing.

Mr. Hagen is a graduate of the University of Bonn and holds a Master of Science in Economics.

Ala’a Al Hyari

Joined the MFMR Programme in November 2015 as administration assistant. Following her promotion to junior administration officer in 2017, Ala’a is now the PR, communication and administration officer in Jordan. During the last years at GIZ, she has gained soled experience in finance, procurement, event management and PR.

Before GIZ she worked as purchasing officer in a private company and gathered administration, procurement and finance skills. Ala’a holds a MBA in E-business from Mutah, Ohio University, and a B.A. in water resources and environmental management from Al Balqa Applied University.

Wala’ Ayoub

Joined the team in June 2018 as administrative professional in the Palestinian Territories and has been working for GIZ since 2010. Before GIZ Wala’ worked as a finance officer and administrative professional for 7 years. She holds a Ms. C. in Economic Policies Management and a BA degree in Business Administration.


Mohammad Al-Rawashdeh

Mohammad Al-Rawashdeh joined the team in October 2018 as a technical advisor to the Development and Employment Fund.

Prior to his current position he worked for one year as a marketing advisor at the Jordan Loans Guarantees Cooperation. Mohammad brings several years of experience from many reputable institutions including 9 years from two investment banks in Saudi Arabia, where he worked as a department head in different fields including research, marketing, asset management, corporate finance and chairman advisor. Moreover, he started his career at the Central Bank of Jordan (CBJ) where he worked in senior positions in three main departments, namely Bank Supervision, Foreign Investments and Open Market Operation. In addition to his work at the CBJ, Mohammad also worked as a part time teacher at many public and private universities and gave several training courses for foreign institutions in Jordan. He also brings consultancy experience on corporate governance from an international consulting company.

In addition to his working experiences, Mohammad has personal interest in assisting SMEs and participating in endeavors for elevating poverty and unemployment.

Mohammad holds a MA degree in Finance from the University of Wales, Bangor, UK. He obtained his BA degree in Economics from the Yarmouk University in Irbid, Jordan. He also passed level 1 exam in CFA.

Sofia Bublatzky

Sofia Bublatzky joined the team in October 2018 as a junior advisor. She supports the advisory services for the Central Bank of Jordan in financial inclusion and microfinance matters as well as the programme’s strategic communication and PR components. Prior to her current position, Sofia gained experience in the private sector as a project manager in a Startup in Germany and in the areas of financial system development, financial inclusion and microfinance through two internships at the GIZ in Germany and in Jordan.

Sofia holds a M. Sc. in economics with a specialization in development economics from the Vrije Universiteit in Amsterdam, the Netherlands, and a B.Sc. in economics from the University of Mannheim, Germany.