Nikola Garat is appointed Commercial Director at Sofinco
Massy, March 17, 2026 – Sofinco announces the appointment of Nikola Garat as Commercial Director. In this role, he will lead Sofinco’s entire commercial strategy, coordinating distribution networks, sales promotion, and partnership development.
Nikola Garat began his career in 1999 at the Crédit Agricole Toulouse 31 regional bank as a customer advisor. Subsequently serving as Branch Manager, Marketing Manager, and Deputy Sales Director, he developed a strong customer focus, a passion for change management, and a commitment to employee development.
In 2018, he joined Crédit Agricole S.A. as a project manager for the Trajectoires Patrimoine initiative before becoming Director of Smart Conso Crédit Agricole & LCL for Crédit Agricole Personal Finance & Mobility. In 2023, he became Director of Retail Financing at Sofinco.
Aged 49, Nikola Garat holds an Agricultural Engineering degree from the Purpan Engineering School (EIP) in Toulouse.
Press contact Claire Garcia – presse@ca-pfm.com – +33 (0)6 80 41 17 77 About SofincoIn France, Sofinco is the commercial brand of Crédit Agricole Personal Finance & Mobility. Since 70 years, it offers a wide range of payment solutions and related services to its 4 million customers across all distribution channels: direct sales, point-of-sale financing (for home furnishings), and partnerships. Sofinco offers flexible, responsible solutions tailored to the needs of its customers and partners (major retailers, specialty retailers, and institutional clients) to give them a competitive edge every day. www.sofinco.fr