
Cedric Izri
Senior Product Manager & transformation leader | 25 yrs Financial Services | PMO & Portfolio (EU28+ projects) PSPO II, SaFe, ICP-ACC
Salaire / Taux journalier
Luxembourg
Mobilité : Grand Est, Paris, ...
Freelance, ouvert au CDI
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À propos
Introduction
I help financial institutions deliver digital products, manage project portfolios, and transform their operations.With 25+ years in financial services — from credit risk analysis to digital product ownership — I combine deep business understanding with hands-on Agile delivery. My career spans John Deere Bank (18 years), GE Capital, and Renault-Nissan Group, where I progressively moved from finance into product management, portfolio governance, and digital transformation. WHAT I BRING→ Product Management / Product OwnerLed 3 financial products across EU28 markets. Defined roadmaps, managed backlogs (500+ user stories), ran discovery workshops, delivered 7 major releases on-time with 95% stakeholder satisfaction.→ PMO & Portfolio ManagementManaged 28+ strategic projects (~10M€/year budget) across 8 countries. Built governance frameworks, prioritisation models, and executive reporting.→ Business & Digital TransformationIntroduced Agile (Scrum/SAFe) in a traditional bank. Reduced development cycles from 6 to 3 months. Led fintech adoption and legacy system modernisation.→ Team Leadership & TrainingLed India-Europe product teams (12 people). Trained 600+ professionals. Certified Agile Coach (ICP-ACC) and Scrum facilitator. KEY NUMBERS• 28+ strategic projects delivered (10M€ annual budget)• 200M€ credit portfolio managed across 5 European countries• 7 major product releases on-time and on-budget• Stakeholder satisfaction improved from 70% → 92%• 600+ adults trained (98% success rate) CERTIFICATIONSPSPO II & PSM I (Scrum.org) | ICP-ACC Agile Coach (ICAgile) | SAFe 4 AgilistBilan Carbone Practitioner (NEPSEN) | GHGMI Carbon Management (in progress) WHAT I'M LOOKING FORI am seeking a permanent role in Luxembourg (hybrid) as:• Senior Product Manager / Product Owner• PMO / Project Portfolio Manager / Programme Manager• Transformation / Change ManagerAvailable within 1 month. Open to financial services, fintech, SaaS, or consulting.
Expérience de travail
Independent Business Consultant
Independent Business Consultant
janv. 2025 - Présent
1 an 10 mois
Luxembourg, France
– Supporting business owners and executive teams in identifying their core challenges and building actionable solutions - through collective intelligence, structured facilitation and hands-on advisory. – Working with SME leaders across Luxembourg and France to: → Diagnose performance gaps and strategic blind spots through collaborative workshops → Facilitate collective intelligence sessions helping leadership teams align on priorities, solve cross-functional problems and make better decisions together → Advise on business transformation, operational efficiency and digital adoption - drawing on 25+ years of corporate experience in financial services → Design and deliver training: Agile product management, strategic planning, leadership effectiveness – My approach combines deep business expertise (product strategy, project portfolio governance, credit risk, M&A – gained at John Deere Bank, GE Capital and Renault-Nissan Group) with certified facilitation and coaching skills (ICAgile Coach ICP-ACC, Professional Scrum Facilitation PSFS) to create a space where teams think better together and commit to action. – Industries served: financial services, professional services, SMEs undergoing transformation. – Methods: design thinking, retrospectives, business model canvas, World Café, structured brainstorming, scenario planning.
Founder and main Educator
Luxembourg Wine & Spirits Academy
janv. 2020 - Présent
6 ans 10 mois
Luxembourg
– Built and scaled Luxembourg's leading professional wine education institution, now an official WSET Approved Programme Provider. – Designed and managed a portfolio of certification programmes (WSET Levels 1-3, corporate training, masterclasses) – Trained 600+ adults from 30+ nationalities with 98% exam pass rate – Developed B2B and B2C revenue streams: corporate clients, partnerships, public enrolments – Managed team of educators, scheduling, budgeting and business development
John Deere Bank Luxembourg
sept. 2011 - janv. 2025
13 ans 5 mois
Luxembourg
Senior Digital Product Owner & Agile Leader
juin 2020 - janv. 2025
4 ans 8 mois
Luxembourg
– Led digital product strategy for 3 financial products across EU28+ markets, combining product ownership, Agile leadership and stakeholder management within a global equipment financing company. – Product Owner for retail operations, regulatory, lead generation and client onboarding — defined roadmaps, managed backlog (500+ user stories), ran discovery workshops – Led product team across India and Europe, implementing Scrum and facilitating 200+ Agile ceremonies (planning, reviews, retrospectives) – Drove fintech adoption: API integrations, front-end replacement, cloud migration, automated decisioning – Ensured compliance with EU regulations (GDPR, PSD2, ESG disclosure) in close collaboration with risk, legal and compliance – Enhanced operational efficiency by 25% through process optimisation; reduced regulatory risks through proactive monitoring
Manager - Strategic Planning & Project Portfolio
déc. 2017 - juin 2020
2 ans 7 mois
Luxembourg
– Managed the strategic planning process and the project portfolio for EU28+ financial services operations, as part of the Extended Management Team. – Key role in the definition and animation of the 3-5-years strategy; central role in the execution of the annual tactical plans – Set up portfolio management practice in the region — oversaw 28+ strategic projects integrating digital transformation, regulatory and ESG components – Managed €10M+ annual project budget; coordinated cross-border teams across 8 European countries – Project manager for key initiatives: branch openings, front-end system replacement (product manager role) – Delivered quarterly portfolio reviews to executive leadership (Luxembourg and US headquarters) – Improved stakeholder satisfaction from 70% to 92%; implemented governance framework improving transparency and reporting
Country Credit Manager – Dealer Financing
avr. 2014 - déc. 2017
3 ans 9 mois
Luxembourg, Poland, Netherlands, Sweden, Denmark, Switzerland
– Operational credit and risk management for dealer networks across Denmark, Sweden, the Netherlands and Poland. – Managed 41 agricultural equipment dealers; credit line management, M&A evaluation, securities management – Handled difficult cases in coordination with the equipment division and headquarters (Luxembourg and US) – Development and sales of financing products and solutions for dealers – Management and development of one direct report; credit authority of €3,000k – Active member of management meetings
Manager - Wholesale Credit Analysis
sept. 2011 - avr. 2014
2 ans 8 mois
Luxembourg
– Managed and supervised credit reviews received from country teams across France, Spain, Italy and international markets EU28+ – Initiated and led EU team reorganisation project: centralisation of credit underwriting in Luxembourg HQ (launched 2009, rolled out 2011) – Interim Country Credit Manager for Poland: set up of operations, processes and relationships with sales division and dealers – Led Country Credit Managers on M&A operations analysis; supported manufacturer teams in dealer channel optimisation – Created a financial toolbox used in M&A files across countries; deployed cash-flow based methods for risk assessment and dealer networks stress tests. – Key member of major projects: worldwide credit system replacement, integration of new countries (Poland, Ukraine, Russia) – Supervised a credit analysis team; credit authority €2,000k
Senior Wholesale Credit Analyst
John Deere Bank Luxembourg
mai 2007 - août 2011
4 ans 4 mois
Luxembourg
– Supervised credit reviews for dealers across France, Spain, Italy and international markets, with a strong focus on team development and process improvement. – Led the restructuring of the French credit team over 18 months: assessed the organisation, made recommendations to the Board, recruited 3 people, set up quality processes – Leading role in deploying cash-flow based methods and M&A consolidation from a credit risk perspective – Supported European Manufacturer HQ in the deployment of the 'Dealer of the Future' strategy – Functional management of 1 credit analyst
Key Accounts Credit Manager – France
GE
sept. 2004 - mai 2007
2 ans 9 mois
Paris, France
– Credit risk management for major corporate fleet customers, working closely with the French CRO, European and US headquarters. – Credit reviews and management of Key Accounts; structured finance and complex deal risk management – Deal structuring: proposed, processed, validated and reported guarantees – Active participant in cross-functional meetings and board discussions on complex cases – Credit authority €1.25M
Senior International Credit Analyst
RCI Bank and Services
mai 1997 - sept. 2004
7 ans 5 mois
Paris, Nancy, Marseille
– Progressive career in wholesale and retail credit within Renault-Nissan's financial services arm, handling dealer networks in France and abroad. – Credit risk management on SMEs, large corporates and wholesale dealer financing – Analysis, advice and validation of complex operations: mergers, acquisitions and disposals within dealer networks – Coverage expanded from French regional offices to international subsidiaries (UK, Belgium, Portugal, Argentina, Brazil) – Design and implementation of IT tools dedicated to subsidiaries; drafted risk policies and financial reporting – I spent a lot of time on complex operations such as mergers, acquisitions and restructurings within dealer networks, which meant combining numbers, legal constraints and commercial realities. It gave me a solid foundation in risk, financial statements and how decisions taken at head-office level affect people in the field.
Formation
Institute of Masters of Wine
Master of Wine stage 1, Wine
2020 - 2025
5 ans 1 mois
University of Strasbourg
University Degree, Understand Terroirs through geo-sensorial tasting
2019 - 2020
1 an 1 mois
Wine & Spirit Education Trust
WSET Diploma, Wine & Spirits
2016 - 2018
2 ans 1 mois
Sake Sommelier Association
certified sake sommelier SSA, Sake Sommelier
2017 - 2017
1 mois
Institut d'Administration des Entreprises
Master of Management, Management
1996 - 1997
1 an 1 mois
Licences et certifications
ICAgile Certified Professional - Agile Team Facilitation
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WSET Diploma
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Google SEO Fundamentals
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GHGMI Carbon Management
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Bilan Carbone Practitioner
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SAFe 4 Agilist
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ICP-ACC Agile Coach
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PSM I
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PSPO II
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