Miguel Jóia Santos is a Trade Finance and Insurance Consultant with a remarkable 20-year career in Mozambique's Banking and Insurance sectors. Currently serving at SBS, Miguel Jóia employs an innovative approach to deliver specialized, disruptive financial consulting services, with notable expertise in Commercial Credit Insurance. Recently, he developed a new product, Commercial Credit Financial Guarantees, aimed at enhancing financing accessibility for SMEs operating within major value chains. An economist by education, Miguel Jóia also holds an International Certification in Project Management and a postgraduate degree in Banking and Insurance Management, reflecting his expertise in executing complex financial initiatives.