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Senior Director of Market Development and Housing Finance, Global Programs
- Capital markets
- Market development
- Financial services
Patrick has overseen the development of Habitat’s strategy to catalyze more effective housing markets – marked by the launch of the Center for Innovation in Shelter and Finance and the establishment of a Capital Markets team that leads projects such as the MicroBuild impact capital fund. His prior experience includes managing the largest microfinance provider in Rwanda and the founding of financial institutions for the base of the pyramid in Burundi and the Democratic Republic of the Congo. Before working in international development, Patrick worked for ABN AMRO Bank and Ernst & Young. Patrick holds a bachelor’s degree from the University of Illinois and a master’s degree in public policy from Princeton University.
Director of Market Development and Housing Finance, Global Programs
- Product development for low-income populations
- Strategic planning and operations
- Market systems analysis
- Program design, implementation and evaluation
Sandra leads the global operations of Habitat for Humanity International’s Center for Innovation in Shelter and Finance. She has provided technical assistance in more than 25 countries in Latin America and the Caribbean, Africa and Asia around the design of market oriented products and services that promote financial inclusion among low-income groups. She also served as the director of the Opportunity International microfinance institution in Colombia, and was the director of the social performance and monitoring unit at Fonkoze, in Haiti. She has dedicated the last eight years to the design of housing finance products for very low-income populations and has directly trained more than 250 microfinance practitioners and more than 100 consultants in housing microfinance. She holds a dual master’s degree in nonprofit management and social economics from the University of Barcelona, a diploma in management of organizational culture from the Xaveriana University in Colombia and a bachelor’s degree in psychology from the National University of Colombia.
Maria Teresa Morales
Director of Housing Finance and Market Development, Latin America and the Caribbean
San Jose, Costa Rica
- Market development and financial models expert
- Global forum facilitator
- Capacity building specialist
María Teresa has 25 years’ experience in corporate finance and housing microfinance. Her expertise as a consultant includes financial models, product development, partnerships development, mentoring and capacity building. She leads the development of the housing microfinance programs and market development models in Latin America and the Caribbean through the Center of Innovation Shelter and Finance. She has been panelist or facilitator in more than 10 global forums related to housing, housing microfinance and base of the pyramid events. Recently, she has been in charge of supporting the Center in the Asia-Pacific region and capacity building for internal consultants in the Philippines, Cambodia, India and Sri Lanka. She is a Certified Public Accountant, with a master’s degree in technology management from the University of Maryland. She is proficient in Spanish and English.
Director of Housing Finance and Market Development, Asia-Pacific
- Capital raising
- Housing finance
- Business strategy and planning
Greg oversees the operations for the Center for Innovation in Shelter and Finance, and the institutional technical assistance to financial institutions receiving funding from the MicroBuild Fund in the Asia-Pacific region. He previously led Habitat for Humanity’s U.S. strategy for financing for affordable housing. He helped develop a community-based microfinance and business training program in Johannesburg, South Africa. He has more than 10 years of experience in private equity and investment banking at Five Mile Capital, JLL and UBS. Mr. Skowronski holds a master of business administration degree from the Ross School of Business at the University of Michigan, and a bachelor’s degree in finance from the University of Georgia.