
Jean-Michel NATTES
Credit Analyst Enterprise

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About me
Sr. EMEA and APAC Programs Group Finance Manager at Microsoft Corp.
Education

CEGOS
2016 - 2016Professional Training & Coaching : Management & LeadershipActivities and Societies: Le leadership du manager transversal : . Intégrer les spécificités du leadership du manager transversal, . Développer son leadership personnel de manager transversal . Développer une relation de confiance avec ses différents interlocuteurs . Gérer les situations relationnelles délicates avec les acteurs concernés https://www.cegos.fr/formation-management-leadership/t-024.htm

Université de Bordeaux
2000 - 2001DESS Banque Finance et Negoce InternationalEquivalent to a Master’s degree in Banking and Finance .CFPB (Centre Français de la Profession Bancaire) and Montesquieu University, Bordeaux

Université Paul Sabatier Toulouse III
1995 - 1998BTEC Higher National Diploma Business Administration and Management, GeneralFinance & Accounting
Experience

BNP Paribas
Aug 2000 - Sept 2001Credit Analyst Enterprise
Banque Edel
Sept 2001 - Sept 2003Credit Manager Deputy HeadBanque EDEL SNC, l’enseigne de la grande distribution E.Leclerc ( 66% ) et le Crédit Coopératif (membre du groupe BPCE) (34% du capital).- Managing a team of 4 Credit Analysts- Credit Manager Deputy Head- Credit analysis “big ticket” (France and Europe), reporting to the board management.- Responsible for Basle II development project (internal customer ratings).

KBC Lease Belgium, Paris branch
Sept 2003 - Jan 2008Global Account ManagerGlobal Account Manager, Vendor Program leasing :- Business development, follow-up of European Vendor Finance (EVF) relationships,- Financial analysis and preparation of credit applications for credit committee,- Setting annual budgets,- Maintaining good relations with head office.

KBC BANK France
Jan 2007 - Jan 2008Risk ManagerReal Estate Leasing at KBC Bail Immobilier France

Microsoft
Jan 2008 - now• Own and manage relationships with bank partners with a focus on Microsoft’s mission, culture, and growth.• Manage and develop payment solutions programs to support Microsoft’s growth opportunities in EMEA and APAC regions. • Drive business and regulatory assessments of payment solutions programs for Microsoft customers and suppliers.• Run and manage payment solutions related projects and initiatives.• Ensures compliance with company policies, legal standards, and regulatory requirements by reviewing and monitoring accuracy of financial documents and business processes. Drives corrective measures.• Consults with business partners on sharing financial information, approved instruments and processes, and consistency with corporate policies. • Collaborates with Compliance groups to ensure team is current on company policies and procedures. Show less Industry : Software Financing Industry WW Winners Circle & Microsoft Financing International Sales Performer (x7)Microsoft Financing is the customer financing arm of Microsoft Corporation, which provides financing to facilitate acquisition of Microsoft products and solutions (Cloud, Services and Devices) : - Working cooperatively with internal sales teams and partners serving Microsoft’s largest customers.- Achieving loan origination volume,- Managing relationships with Microsoft field sales and licensing teams - Consulting, proposing financing solutions and closing transactions with enterprise clients and partners - Implementation of sales and market penetration strategies - Evangelizing the benefits of offering financing integrated with Microsoft products and services to every customer - Leveraging our software financing value proposition - Reporting to EMEA Director,- Vertical and geographic responsibilities. Show less
Sr. EMEA and APAC Programs Group Finance Manager
Dec 2023 - nowSr. EMEA Programs Group Finance Manager
Jan 2022 - Dec 2023Senior Finance Manager France & Nordics - Financing & Payment Solutions
Jan 2018 - Jan 2022Country Sales Lead, Microsoft Financing
Jan 2008 - Jan 2018

Monsieur Fine Bouche
Dec 2017 - Sept 2019Board Observer and InvestorMonsieur Fine Bouche is a start-up venture specialising in the delivery of high quality meals and seasonal dishes cooked by a great Chef with fresh and local product (Paris, France).
Licenses & Certifications
- View certificate

Microsoft-INSEAD Online Business Strategy and Financial Acumen
Microsoft - INSEADMay 2017 - View certificate

Career Essentials in Generative AI by Microsoft and LinkedIn
MicrosoftDec 2023 - View certificate

Microsoft 365 Copilot First Look
LinkedInNov 2023 - View certificate

Accessibility in Action
MicrosoftSept 2023 - View certificate

Building Your Team
LinkedInOct 2021 - View certificate

Habits to Win Every Day
LinkedInOct 2021 - View certificate

Project Management Foundations
LinkedInMay 2021 - View certificate

Career Advice from Some of the Biggest Names in Business
LinkedInNov 2020 - View certificate

Leadership Mindsets
LinkedInNov 2020 - View certificate

Body Language for Leaders
LinkedInDec 2019
Honors & Awards
- Awarded to Jean-Michel NATTESWW Winners Circle 2017 & Microsoft Financing International Sales Performance Microsoft Corp. Jul 2017 * WW Winners Circle 2017, awarded in Recognition of Leadership : Exceeding Commitments, Cross Group Collaboration, Continuous Drive of CPE, Focus on Growth* Microsoft Financing International : Top Sales Performance
- Awarded to Jean-Michel NATTESWW Winners Circle 2016 & Microsoft Financing International Sales Performance Microsoft Corp. Jul 2016 * WW Winners Circle 2016, awarded in Recognition of Leadership : Exceeding Commitments, Cross Group Collaboration, Continuous Drive of CPE, Focus on Growth* Microsoft Financing International : Top Sales Performance
- Awarded to Jean-Michel NATTESWW Winners Circle 2014 & EMEA Sales Performance Microsoft Corp. Jul 2014 * WW Winners Circle 2014, awarded in Recognition of Leadership : Exceeding Commitments, Cross Group Collaboration, Continuous Drive of CPE, Focus on Growth* Microsoft Financing International : Top Sales Performance
- Awarded to Jean-Michel NATTESWW Winners Circle 2013 & EMEA Top Sales Performance Microsoft Corp. Jul 2013 * WW Winners Circle 2013, awarded in Recognition of Leadership : Exceeding Commitments, Cross Group Collaboration, Continuous Drive of CPE, Focus on Growth* Microsoft Financing EMEA : Top Sales Performance
- Awarded to Jean-Michel NATTESWSET® Level 2 Certificate - Award Wines and Spirits ECOLE DU VIN DE FRANCE Feb 2013 WSET® Level 2 Diploma-Award Wines and SpiritsFocus on the key grape varieties and regions of the world, and principle varieties of spirits.Wine & Spirit Education Trusthttp://www.wsetglobal.com/
- Awarded to Jean-Michel NATTESWW Winners Circle 2012 & EMEA Top Sales Performance Microsoft Corp. Jul 2012 * WW Winners Circle 2012, awarded in Recognition of Leadership : Exceeding Commitments, Cross Group Collaboration, Continuous Drive of CPE, Focus on Growth * WW 100 % Club 2012 , awarded in Recognition of Exceeding Sales Commitments
- Awarded to Jean-Michel NATTESWW Winners Circle 2009 Microsoft Corp. Jul 2009 * WW Winners Circle 2009, awarded in Recognition of Leadership : Exceeding Commitments, Cross Group Collaboration, Continuous Drive of CPE, Focus on Growth* WW 100 % Club 2009 , awarded in Recognition of Exceeding Sales Commitments
Volunteer Experience
Sociétaire
Issued by C'est qui le Patron ?! La Marque du Consommateur
Associated with Jean-Michel NATTESSocietaire
Issued by Time for the Planet
Associated with Jean-Michel NATTESIndividual Sponsor
Issued by Babyloan
Associated with Jean-Michel NATTESIndividual Sponsor
Issued by Emmaüs France
Associated with Jean-Michel NATTESExecutive Coach to Mission-Driven Founders 🌱
Issued by Live for Good on May 2025
Associated with Jean-Michel NATTESMentor étudiant
Issued by “Objectif Emploi” - Initiative lancée et pilotée par la Ville de Suresnes on Oct 2021
Associated with Jean-Michel NATTESMember
Issued by FrenchFounders on Aug 2018
Associated with Jean-Michel NATTESVolunteer football coach
Issued by Lycee International de St. Germain-en-Laye on Sept 2019
Associated with Jean-Michel NATTESParrain/Mentor
Issued by NQT Association on Jul 2022
Associated with Jean-Michel NATTESIndividual Sponsor
Issued by Médecins Sans Frontières on Oct 2023
Associated with Jean-Michel NATTESEmployé volontaire
Issued by Paris 2024 - Comité d'organisation des Jeux Olympiques et Paralympiques de 2024 on Aug 2024
Associated with Jean-Michel NATTES
Languages
- enEnglish
- frFrench
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