Othman MESFIOUI RAJA

In Charge of the Credit Risk for both SMEs and Medium/Large Segments for the French market: • Developing and challenging existing credit risk strategies for both acquisition and portfolio management • Credit Portfolio management • Limit Underwriting policy reviews and implementing new UW methods • Intensive monitoring of Risk KPIs - data driven decisioning • Identify operational inefficiencies and manage the implementation of the solution • Continuously coordinating with Project Managers, Data scientists, Sales teams etc. to conduct business with a growth mindset • Support of AML projects • Support Launch of the AMZ Small Business (SBS) card for France • Support Finance team with risk related forecasts and planning

Credit risk management: • Exposure monitoring of 15 countries up to several billions in outstanding. Non-performing loan and collection management for corporate clients. • Credit files analysis of car dealerships and other companies: risk oriented business & financial analysis (up to 300 M€ deals). • Corporate financial product conception and management. Corporate Risk: • Coordination at HQ level of the BPF subsidiaries’ corporate credit risk departments. Currently analyst in charge of France, Netherlands, Poland and China. • Cost of risk monitoring. Banking regulation and compliance issue management. • Monthly risk meeting with BPF’s subsidiaries, Risk KPI and tools creation for credit risk management.