Crédit Agricole Assurances announces the appointments of Séverine Tourtois as Director of Individual Retirement Savings and Jean-Luc François as General Secretary
Crédit Agricole Assurances, the no. 1 insurer in France and no. 1 bancassurer in Europe, is announcing the appointments of Séverine Tourtois as Director of Individual Retirement Savings, effective 8 December 2025, and Jean-Luc François as General Secretary, effective 2 January 2026.
Séverine Tourtois has over 30 years’ experience in several of the Crédit Agricole Group’s business lines, including Insurance and Retail Banking, and has held various responsibilities, notably in the financial, risk, marketing, credit and savings functions. She most recently held the position of Chief Financial and Banking Officer of the Crédit Agricole Sud Rhône Alpes Regional Bank, before being appointed Director of Customer Service Divisions in 2025.
Her expertise, in-depth knowledge of the Group and commitment will be major assets in accelerating the development of individual pension savings activities, a key focus of Crédit Agricole Assurances’ new corporate project. This mission, carried out in line with Crédit Agricole’s Savings strategy, and in close collaboration with partner banks, Crédit Agricole’s Regional Banks and LCL, aims to reinforce the Group’s leading position in this high-stakes market. As part of her duties, Sévérine Tourtois will also succeed Jean-Luc François as Chairman of the Board of Directors of Spirica, a Crédit Agricole Assurances insurance company working outside bancassurance (Internet partnership and independent wealth management advisers).
Séverine Tourtois began her career in 1995 at Crédit Agricole SA as a management accountant. In 2002, she joined PREDICA as head of the Activity and Results Analysis department, going on to take the helm of the Management Control Department in 2007. In 2011, she joined the Charente Périgord Regional Bank as Chief Financial Officer in charge of steering, risk and credit, and was appointed Director of Marketing, Communication and Insurance in 2017. Since September 2020, she has worked at Caisse Régionale Sud Rhône Alpes, first as Chief Financial and Banking Officer and then as Director of Customer Service Divisions. Séverine Tourtois holds a Master of Arts in Management Sciences from Kedge Business School Marseille, supplemented by a D.E.C.F. diploma in Accounting and Financial Studies. She also holds an Executive Certificate in Marketing & Digital from HEC.
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Following the retirement of Bruno Moatti, Jean-Luc François takes over as Head of the General Secretariat. He will supervise Crédit Agricole Assurances’ Legal, Compliance, Public Affairs and Strategy Departments, as well as its Corporate Project. His duties will include overseeing governance and representing Crédit Agricole Assurances with market and regulatory bodies. His extensive experience in personal insurance, across a diverse set of insurance environments, as well as his in-depth knowledge of economic, financial and regulatory aspects, will be major assets in supporting the new strategic directions of Crédit Agricole Assurances and strengthening its adaptation to the key challenges facing the sector.
Jean-Luc François began his career in 1989 in Japan at the Corporate Finance and Strategy Department of the Rhône-Poulenc group. In 1991, he joined the pharmaceutical company Roussel Uclaf (Aventis group), where he held various positions, including as economic analyst, management controller, and then as assistant to the CEO. In 1996, he joined the consulting firm McKinsey & Company, where he became a Managing Partner in 2003. He joined Aviva France in 2006 as a member of the Management Board in charge of finance, before being appointed Deputy Chief Executive Officer of the Aviva France group in 2008. In 2011, he joined Crédit Agricole Assurances as Director of International Affairs, before being named Director of Individual Retirement Savings in 2018. Jean-Luc François is a graduate of HEC and holds an MBA in Finance and Corporate Strategy from the Wharton School of the University of Pennsylvania.
