Summary
Overview
Work History
Education
Skills
Interests
Timeline
Languages
Awards
Generic
Hafssa El Jaoui

Hafssa El Jaoui

EXPERT IN FINANCE & DIGITAL TRANSFORMATION
Casablanca

Summary

With over 16 years of experience in strategic financial leadership and digital transformation, I specialize in driving growth through operational excellence, innovation, and technology.
Named among Morocco’s 40 Under 40 and recognized as one of the Top 10 Digital CFOs in Morocco by BDO in 2024, I actively contribute to the Women in Tech Morocco community and the country’s evolving FinTech ecosystem.
My mission is to redefine financial services through disruptive, efficient, and inclusive solutions that empower both businesses and communities.

Overview

18
18
years of professional experience
4
4
Languages

Work History

Chief Financial Officer

Yassir Morocco
06.2023 - Current
  • Designed and implemented a digital financial transformation, reducing financial data processing time by 30% while enhancing reliability.
  • Developed a cost management strategy, optimizing annual operational expenses.
  • Supervised the implementation of an integrated budget management system and improving financial forecast accuracy.
  • Introduced interactive dashboards for real-time monitoring of financial and operational performance.
  • Launched innovative digital payment solutions, increasing customer adoption and enhancing user experience.
  • Renegotiated strategic financial partnerships.
  • Led and coached a multidisciplinary team, fostering a culture of innovation and operational excellence.
  • Developed and monitored key performance indicators (KPIs) aligned with the company's strategic goals.

ACCOUNTING MANAGER

Bnp Paribas Bank - BDSI Morocco
09.2021 - 01.2023
  • Managed comprehensive accounting and IFRS-compliant reporting, enhancing forecast accuracy by 20%.
  • Developed predictive models to reduce financial risks.
  • Successfully migrated and integrated an ERP system, increasing team productivity by 25%.
  • Trained financial teams in advanced analytical tools.

Finance and Management Control Consultant

Freelance
09.2019 - 08.2021
  • Assisted companies in digitizing financial processes, increasing efficiency by 30%.
  • Created customized dashboards for optimal margin and profitability tracking.
  • Provided strategic support for compliance with new tax and accounting standards.

Financial Accounting and Reporting Manager

Sgs Group
04.2016 - 02.2019
  • Automated reporting processes, reducing monthly closure time by 30%.
  • Implemented performance tracking tools, improving forecast accuracy by 25%.
  • Managed financial consolidation and reporting for headquarters, ensuring complete transparency.
  • Reduced operational costs by 10% through in-depth financial analysis.

Finance and Administrative Manager

Magellan - Nelite
01.2013 - 03.2016
  • Automated reporting processes, reducing monthly closure time, enabling better decision-making.
  • Implemented financial performance tracking tools.
  • Supervised financial consolidation and prepared detailed reports for headquarters, ensuring complete transparency.
  • Optimized operational cost management through in-depth analysis.
  • Trained and developed accounting teams,
  • Conducted internal audits, ensuring compliance with local and international regulations.
  • Coordinated and supervised accounting and cash management.
  • Prepared and monitored the annual budget, analyzing discrepancies and reporting to management.

TREASURY MANAGER

Fresenius Medical Care Morocco
12.2010 - 12.2012
  • Managed treasury, including control and analysis of cash flow.
  • Maintained relationships with financial institutions.
  • Developed cash flow forecasts and monitored cash flow performance.
  • Negotiated currency transactions, including buying and selling foreign exchange.
  • Monitored currency allocations and managed value date accounts.
  • Balanced accounts and managed DAT and monetary placements.

Special Projects Accountant

Sopriam, El Mada Group
08.2007 - 11.2010
  • Managed the control, processing, and tracking of fixed asset invoices.
  • Handled amortization processes.
  • Participated in physical inventory management.
  • Managed payroll control, tracking, and validation.
  • Analyzed accounts of social organizations

Education

Master of Science - International Financial Management

Skema Business School
Casablanca, Morocco
05.2001 -

Bachelor of Science - Financial Management

Institut Marocain De Management
Casablanca
05.2001 -

DUT - Finance And Accounting

ESTC
Casablanca
05.2001 -

Skills

Strategic Planning

Interests

Digital innovation

Community Engagement

Aquatic Sports

Cultural Travel

Timeline

Chief Financial Officer

Yassir Morocco
06.2023 - Current

ACCOUNTING MANAGER

Bnp Paribas Bank - BDSI Morocco
09.2021 - 01.2023

Finance and Management Control Consultant

Freelance
09.2019 - 08.2021

Financial Accounting and Reporting Manager

Sgs Group
04.2016 - 02.2019

Finance and Administrative Manager

Magellan - Nelite
01.2013 - 03.2016

TREASURY MANAGER

Fresenius Medical Care Morocco
12.2010 - 12.2012

Special Projects Accountant

Sopriam, El Mada Group
08.2007 - 11.2010

Master of Science - International Financial Management

Skema Business School
05.2001 -

Bachelor of Science - Financial Management

Institut Marocain De Management
05.2001 -

DUT - Finance And Accounting

ESTC
05.2001 -

Languages

English
Full Professional
French
Native or Bilingual
Arabic
Native or Bilingual
Spanish
Elementary

Awards

  • 'Morocco’s 40 Under 40' (2024-2025)
  • 'Top 10 Digital CFOs in Morocco' (BDO Maroc, 2024)

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Hafssa El JaouiEXPERT IN FINANCE & DIGITAL TRANSFORMATION