Mr. Michel de Carvalho serves as Chairman at Capital Generation Partners. He also served as the Global Chairman & Vice Chairman, Investment Bank, Europe, Middle East, and Africa at Citigroup. He also served as Advisory Committee Member at HealthpointCapital. He also serves as a Board Member at Heineken. Michel joined CapGen as Chairman after a 20-year career at Citigroup where he served as Vice Chairman of Citi Investment Bank and Global Chairman of Citi Private Bank. Previously Michel was MD at Credit Suisse First Boston (CSFB). He went on to join the Board of Nikko Securities in 1995 - the first non-Japanese person to do so. In 1998, Michel headed the negotiations leading to the creation of Nikko Salomon Smith Barney, today the Japanese arm of Citigroup. He also holds a BA from Harvard College. He has represented Britain in the Winter Olympics on three occasions and is also a keen golfer and cyclist. Michel was born in Buckinghamshire and speaks six languages. He married Charlene Heineken in October 1983 and has five children. Michel is a Member of the Supervisory Board of Heineken NV and an Executive Director of Heineken Holding NV.