Lloyd Guzha-Chanetsa is a Senior Consultant with Frankfurt School of Finance & Management. At present, he is a Team Leader on a Technical Assistance Project operating in Zambia and Malawi, supporting European Investment Bank (EIB) intermediated lending operations for small and medium agri-food sector investments integrating smallholder farmers. He has nearly 25 years' experience in the consulting field, specialising in SME Banking and Agricultural Value Chain Financing and has conducted varied work assignments in 23 countries.