Gérer les risques pour une performance financière optimale

Note Globale    

Henri

59 ans

Paris

Henri
Risk manager, banque & services financiers

Expériences professionnelles

 

Crédit Agricole Consummer Finance
Massy, France

ALM - Gestion Actif Passif

Nov 2019 - Août 2021

Modélisation ALM des remboursements anticipés et des prêts non performants (NPL) pour le crédit à la consommation, la location financière et la location longue durée.
- amélioration de la qualité des données et des indicateurs
- réduction de la duration du refinancement

Refonte du calcul des Taux de Cession Interne. Prise en compte de la structure des financements, des contraintes et des remboursements anticipés : réduction des TCI

Amélioration du process de production du stress test EBA : exploitation des informations de rapprochement comptables et de middle office


Indépendant
Paris (75000)

Business Angel

Juil 2017 - Aujourd'hui

Formation à des étudiants, conseil à des entrepreneurs & start-ups early stage.


SOCIÉTÉ GÉNÉRALE

HEAD OFFICE

Jan 2016 - Juin 2017

Regulatory credit risks reporting - quality improvement

  • Management and review of new or improved data from international banking subsidiaries
  • Digital coach

SOCIÉTÉ GÉNÉRALE

HEAD OFFICE

Jan 2013 - Déc 2015

Risk & finance projects management for International Retail Banking and Financial Services (Banks in 20 countries, BL Leasing, Car renting, Consumer Credit, Insurance)

  • Financial, accounting and tax assessment for IT investments, project portfolio management
  • Finance & Risk System implementation, change management, financial and regulatory projects (G-SIB), production of specific reports

SOCIETE GENERALE

FINANCIAL SERVICES (SFS)

Jan 2008 - Déc 2012

5 business lines: Leasing, Equipment Finance - Car renting - Computer renting - Consumer Credit - Insurance (NBI 3,1 G€, outstanding 50 G€, 100 subsidiaries in 48 countries)

Support of the development of the SFS through supervision of Computer renting, implementation of Basel reforms, financial operations, remediation actions and crisis management.

Asset Liability Manager, treasury & investment

Improvement of subsidiaries ALM and risks reduction:

  • ALM control and advisory: rate, FX, liquidity, gaps, LCR et NSFR
  • Annual review of limits, funding and market risks authorisations
  • Supervision of external refinancing and group commitments
  • Management of equity and subordinated debt operations

SOCIETE GENERALE

FINANCIAL SERVICES (SFS)

Jan 2004 - Déc 2008

Mission officer in charge of implementation of Basel 2 risk projects

Implementation of Basel advanced methods IRBA & AMA

  • Credit Risks: implementation of procedures, data collects, PD and LGD calculation models
  • Operational: loss collection, risk & control assessment, risk indicators et scenarios analysis
  • Business Continuity Planning: review & improvement of crisis plans, back-up facilities
  • Compliance: launch regulatory incident follow-up and new product committees

SOCIETE GENERALE

FINANCIAL SERVICES (SFS)

Supervision of Europe Computer Systèmes (Computer renting NBI 700 M€)

Improvement of financial, organisational, tax and risk integration within SG group

  • Investments review: integration of agents, subsidiary creations, acquisitions
  • Management of activity and risks

SOCIÉTÉ GÉNÉRALE

FRENCH RETAIL BANKING

Jan 2001 - Déc 2001

Development manager of Compagnie Générale d’Affacturage (Factoring)

  • Strategic review for the set-up of a factoring European business line
  • Business review post acquisitions in Germany and Italy from Deutsche Bank
  • Various organisational and risks assignments

SOCIÉTÉ GÉNÉRALE

RISKS DEPARTMENT

Jan 1995 - Déc 2000

Industry Consultant - steel, glass, paper & transformation industries
Worldwide perimeter, advisory mainly European and American corporate

for commercial banking, project financing, trade finance, LBO review, equity investments

  • Strategic review and business plans analysis
  • Industrial sector review

COOPERS & LYBRAND

Management consulting – Financial Management

Jan 1989 - Déc 1995

  • Management accounting for industrial management: cost accounting, optimization of inventory valuation, Activity Based Costing
  • In the context of status transition at France Telecom (Orange): definition and deployment of fixed asset valuation and management


PHILIPS

CONSUMER PRODUCTS DIVISION

Jan 1987 - Déc 1989

IT project manager – Sales and Financial Management

  • Design and implementation of databases and tools for commercial management & control
  • Conception and realisation of branches P&L

Certification

 

2021 : MOOC RGPD CNIL

2021 : MOOC SecNumacadémie ANSSI

2020 : Python, Université Libre de Bruxelles

2018 : Certification AMF

Formation

 

1991     IAE de Paris - DESS Administration des Entreprises option Finance

1986     École Centrale Paris (CentraleSupélec) - Ingénieur option Modélisation

Langues

 

Français : Bilingue ou langue maternelle

Anglais : Courant

Allemand : Moyen

Grec : Notions

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