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Note Globale    

Bertrand

61 ans

Paris

Bertrand
Chief Risk Officer

Expériences professionnelles

 

Experience

Senior Executive Manager with strong business acumen and international

* Build, train, motivate and drive international teams to work in a collaborative and effective way ensure compliance with regulations and report accordingly

* Manage underwriting, portfolio quality and provisioning, pilot collection, optimize pricing, ensure compliance with regulations

* Approve and implement company's strategy, guiedlines and governance principles, propose budget, report accordingly


Siemens Finance and Leasing Ltd (Beijing, China) Equipment Finance

Chief Risk Officer

Août 2012 - Avr 2017

Equipment Finance – Earning assets: 850 M€ – total staff 220

Chief Risk Officer - Member of Executive Committee (CEO – CFO – CRO), reporting to HQ

  • Manage Underwriting and Portfolio Risk, Collection and Asset Management, direct staff of 50
  • Set up deep reorganization of company in 2014/2015 after identifying in 2013 critical deficiencies within operations and management
  • Redesign business strategy and model: +20% business growth from 2015 and return to profitability in 2016
  • Reorganize teams, tools and processes: +30% efficiency gain and bad portfolio cleaning
  • Successfully redesign guidelines and controls: 0 deficiency in 2015/16 Financial and Compliance Audits

Siemens Financial Services Europe South (France Spain Italy)
Paris (75000)

Regional Chief Risk Officer

Déc 2004 - Juil 2012

Equipment Finance - 5 co’s in France, Spain, Italy - Earning assets: 800 M€ – total staff 160

  • Region South Management including Credit Risk, Collection, Asset Management; direct staff 45
  • Following economic downturn in 2008-2010, perform analytical business review leading to drastic refocus of strategy: 30% acquisition channels closed and replaced by newly developed high quality opportunities
  • Restructure teams, tools and process: achieve French budget and return to profitable growth from 2011
  • Reorganize Italian team structure in order to manage operation ramp down with no loss
  • Ensure continuity and conditions for future development of Spanish operations, by creating positive synergy between Sales and Collection

Siemens Financial Services
Paris (75000)

Directeur Risque

Juil 2001 - Nov 2004

Head of Credit France (staff 10) and member of Management Team with CEO and CFO

* Fully reorganize Risk function: staffing, tools, process (audit in 2003 unqualified, no findings). Growth acceleration +12% yearly on same period.
* Achieve implementation of a new Flow Business model. A key success factor has been the ability to build and launch a performing automated decision tool combining a score and an expert system able to deal with high number of transactions with high quality of risk selection. Still operating 12 years later.
* Submit and obtain a banking licence; build and launch a new regulated company addressing Basel II recommendation.


AKB Bank France (Lyon, France) Launch Start-Up, French subsidiary of AKB Privat-und Handelsbank AG (Germany)
Lyon (69000)

General Manager

Août 2000 - Mai 2001

* Develop Business Model and prepare Strategy and operational set-up, including banking licence to operate in France


GEFISERVICES / GE CAPITAL SOVAC
Strasbourg (67000)

Head of Risk

Sep 1996 - Juil 2000

Car, Equipment and Consumer Finance, French subsidiary of GE Capital

Risk Manager / Functional report to GE Capital Europe Risk

  • Develop and manage new products and partnerships
  • Create and implement of new tools and risk policies aligned with GE Capital standard
  • Restructure team (direct staff 12) and manage geographical move from Strasbourg to Paris HQ

CAVIA / Banque SOVAC
Paris (75000)

Credit Analyst, then Head of team, then Head of Department

Déc 1987 - Août 1996

* Manage team of 8: B2B and large B2C credit underwriting; stock finance and floorplan;
dealers approval
* Prepare and submit to Credit Committee large deals outside of own authority


CREDIPAR / SOVAC (Melun, France)
Melun (77000)

Sales Rep

Nov 1985 - Nov 1987

Sales Rep for Car Financing


Formation

 

1985     ISG - 3ème cycle international

1981     Université Paris 1 - Maîtrise de droit Commercial

1980     Université Paris 1 - DEUG Sciences économiques

1977     Lycée Claude Bernard - Bac C

Langues

 

Français : Bilingue ou langue maternelle

Anglais : Courant

Allemand : Notions

Chinois Mandarin : Notions

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