Cyrille Charbonnel

About Cyrille Charbonnel

Cyrille Charbonnel currently holds a key leadership position at COFACE SA as Group Underwriting Director and a member of the Group Management Board. In this role, he contributes to the group’s strategic decisions, particularly in relation to risk appetite, underwriting policy, and the management of commercial exposures in a global environment shaped by economic uncertainty. His responsibilities place him at the center of Coface’s business model, which relies on accurate credit risk assessment, disciplined underwriting, and strong portfolio quality. He holds a finance degree from the Institut Supérieur de Commerce de Paris and brings more than 25 years of experience in trade credit insurance. Charbonnel began his career at an organizational consulting firm before joining Euler Hermes France in 1990 as a risk analyst. He later moved into sales, and in 2004 was appointed Sales and Marketing Director. In 2007, he was sent to Portugal as Managing Director of the local subsidiary, gaining valuable international exposure and operational experience in local markets. Charbonnel joined Coface in 2011 as Group Organisation Director, then became Chief Operating Officer. In 2013, he was appointed head of Western Europe and France, two strategically important regions for the group. In 2017, he was promoted to Group Underwriting Director, a role that reflects his deep expertise in Coface’s core activity. Since then, he has helped strengthen underwriting consistency, support technical profitability, and adapt the portfolio to changing customer and macroeconomic risks. His career demonstrates a rare combination of technical risk expertise, commercial leadership, operational management, and regional responsibility. This breadth of experience has made him a respected executive within France’s trade credit insurance sector and within Coface’s listed-company governance framework.