Mohamed El Ayachi

Group Chief Information Officer

Making IT a strategic partner to executive management: an IT and digital roadmap aligned with the business, transformation programmes delivered end to end, and information systems that are reliable, secure and run on clear indicators.

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  1. 2005Software engineer
  2. 2007Project manager
  3. 2012Domain manager
  4. 2016Business-line CIO
  5. 2021Group CIO, banking
  6. 2025Group CIO, automotive

Profile

More than 20 years in information systems, ten of them in leadership roles. At Banque Centrale Populaire Group: CIO for Credit and Risk, then CIO for Retail Banking, then Group CIO leading around 100 people across 4 IT departments and 3 specialised subsidiaries. Since 2025: Group CIO of a leading multi-brand automotive importer and distributor with 14 operating subsidiaries.

What I do: turn executive direction into concrete programmes, from core systems (Temenos and Sopra Core Banking, DMS, CRM) to digital customer journeys, payments, data and AI, while holding budget, timelines and service quality together with software vendors, integrators and startups.

Areas of expertise

IT and digital strategy
IT master plan, roadmap aligned with the CEO and executive committee, project portfolio arbitration.
Transformation programmes
Core Banking (Temenos, Sopra Amplitude), DMS, CRM, credit factory, card payments: from scoping to rollout.
Digital customer experience
Online and mobile banking, Open Banking, workshop portal, brand websites, customer area, digital after-sales and credit journeys.
Data, reporting and AI
Data quality, business intelligence, automated management KPIs, progressive integration of AI into journeys and processes.
Infrastructure and cybersecurity
Platform, network and hosting modernisation; EDR, SIEM, IAM, risk management, disaster recovery and business continuity governance.
IT service quality
Reorganised helpdesk, service catalogue, RACI, SLAs, performance KPIs and user satisfaction measurement.
Budget and sourcing
Capital and operating budgets, outsourcing policy, bid analysis, relationships with vendors, integrators and startups.
Leadership and organisation
Target organisation, hiring, skills development, steering committees, cross-functional teams of up to 100 people.

Experience

Since January 2025

Group CIO

Leading multi-brand automotive importer and distributor

14 operating subsidiaries

  • Defined and lead the Group IT and digital strategy, aligned with executive management priorities.
  • Transformation programme: DMS and CRM modernisation, digital after-sales journeys.
  • Customer experience: workshop portal, Group and brand websites, customer area, new digital services and mobile ecosystem.
  • Data-driven approach: data quality, business intelligence, automated management KPIs, progressive integration of data and AI into customer journeys and business processes.
  • Infrastructure modernisation (platforms, networks, virtualisation, hosting): performance, availability, obsolescence management.
  • Cybersecurity and resilience: EDR, SIEM, IAM, network security, risk management, DRP/BCP governance.
  • IT service quality: helpdesk reorganisation, service catalogue, RACI, SLAs, performance KPIs and satisfaction measurement.
  • IT organisation transformation, advising the CEO and the executive committee.

May 2021 – December 2024

Group CIO

Banque Centrale Populaire

Around 100 people, 4 IT departments, 3 specialised subsidiaries, CAPEX and OPEX budgets

  • Digital transformation and Open Banking: branch and mobile channels, core banking system replacement.
  • Directed the Core Banking transformation programme (Temenos and Sopra).
  • Bank payment strategy: operational roadmap and programmes.
  • Technical debt reduction; built ecosystems with internal partners and startups.
  • Activity transfer and managed services between Casablanca and African subsidiaries.
  • Due diligence and support for a banking institution.
  • Target organisation, staffing, hiring, investment budget and capacity planning.
  • Project indicators and client SLAs, risk management, steering committees.

March 2017 – April 2021

CIO, Retail Banking

Banque Centrale Populaire

Project and programme portfolio, 4 departments and project teams

  • Led the digital roadmap: business processes and customer journeys.
  • Implemented the Group IT master plan and ICT strategy.
  • Arbitrated staffing and budgets, approved technical choices, managed capital and operating budgets.
  • Managed relationships with subsidiaries, vendors, integrators and freelance teams.

Key achievements

  • Digital journeys for retail and corporate clients
  • Amplitude Core Banking for African subsidiaries
  • CRM: 360° customer view, complaints, marketing campaigns
  • Credit factory for the Group, subsidiaries and external clients
  • Group card payments: switch and payments
  • Mobile payments, online and mobile banking
  • Document management and workflow
  • Digital SME lending

January 2016 – March 2017

CIO, Credit and Risk

Banque Centrale Populaire

  • Led lending and collections programmes, rating and risk calculation tools.
  • Drafted the IT outsourcing policy and analysed subcontracting bids.

Key achievements

  • Digital mortgage and consumer credit journey
  • Redesigned credit and scoring engine
  • Automated decision workflow and dashboards
  • Non-performing loan collection system
  • Data exchange with external bodies
  • Consumer data protection compliance

February 2012 – December 2015

Bancassurance Domain Manager

Banque Centrale Populaire

  • Managed the bancassurance project portfolio and technical teams.
  • Ran product design workshops with insurance companies.

Key achievements

  • Redesigned bancassurance product management system
  • Retirement and education savings: online subscription
  • Home insurance: automated subscription and claims
  • Climate, death and disability insurance
  • Assistance products and customer bundles

Early career

Skills and tools

Governance and methods
PMPAgile ScrumITILCMMIDRP/BCP
Business solutions
TemenosSopra AmplitudeAutomotive DMSCRMSage (finance, payroll/HR, purchasing)DocumentumOnBase
Security
EDRSIEMIAMNetwork security
Technical foundation
Java / J2EESpringHibernateCobolOracleDB2SQL Serverz/OSAIXLinuxWebSphereJBoss

Education

  • 2004
    Advanced postgraduate degree (DESA) in Computer Science, Telecommunications and Multimedia

    INPT, with the Faculty of Sciences, Rabat

  • 2001
    Bachelor's degree in Electronics

    Faculty of Sciences, Meknes

  • 1996
    Baccalaureate in Mathematics

    Lycée Hassan II, Midelt

Languages

  • ArabicNative
  • FrenchFluent, written and spoken
  • EnglishIntermediate

Personal qualities

  • Leadership and ability to unite teams
  • Strong interpersonal skills
  • Analytical mind
  • Agility
  • Clear communication
  • Mobility

Discuss a leadership role

The full CV is available as a PDF. For a first conversation, a phone call is simplest.

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