Olivier Fodzo

INTERNAL CONTROL AND RISK MANAGEMENT • Reviewed all existing operating procedures • Supervised the design and Implementation of new keys process: 63 new processes for core and support functions (Underwriting for all classes of products, claims; facultative reinsurance, accounting, customer journey) • Supervised staff training on new processes • Implemented the internal control function for 1ST and 2nd level of control • Designed the risk map framework with measures of severity and frequency • Implementation and monitoring of Key risks indicators; elaboration of the annual risk and audit annual plans with report to the risk committee FINANCIAL PLANNING AND ANALYSIS • Budget design and monitoring of all Key metrics (P&L, cash flow statement, balance sheet • KPI implementation on key metrics of UW

• valuing NPL portfolios, using rigorous modelling and analytics • investment memo write-ups, documentation completion and interaction with servicers • dealing with sales teams on portfolios to identify unknown variables to take into consideration in the portfolio assessment • diving into the portfolios of various non-performing loans (mainly unsecured consumer debts) to find out the main drivers, prepare long-term cash flow projections and pricing

CORPORATE FINANCE • Capital budgeting NPV,IRR , payback for several cost savings internal projects • Financial statement analysis (IFRS & GAAP US):BS, IS , cash-flow • Equity Valuation (book value, DDM, Multiples , comparables ) • Investment picths presentations , CREDIT RISK ANALYSIS • Fundamental Industry Analysis ,( cyclicality, growth prospects , °concentration • Company fundamentals , (competitive position, collateral, covenants, Character , P&L , ratios leverage, ratios coverage ) MANAGEMENT ACCOUNTING, • Post acquition follow up, (KPI, ESG, and industry analysis) • Consolidated Budget preparation ( revenues and expenses ) and variances analysis • Preparation of Cash flow statements report (forecast vs real ) • Working capital management • Suivi des clôtures comptables INTERNAL CONTROL • Implementation and assessment of KYC processes • Participation to the risk building and implementation • internal control report

• Overseeing the EMEA ledger of about 2 millions GBP