- Modeling and monitoring of the performance, default, recovery and early repayment levels of our portfolios- Development of a fair value model for the valuation of credit portfolio held by private investors or by Younited.- Development of forecasting models to predict the evolution of cost of risk on Younited's portfolio and enable capital and budget planning.- Multiple portfolio sales (backbook & forward flow), generating solid P&L for Younited.- Pricing advisory on B2B and partnership origination, to enable origination profitability on strategic partnerships.- Strong collaboration with the Data Science team on credit score developments & backtesting.

• Developing risk strategies to optimise profitability• Make data driven decisions with especial focus on marginal decision making• Manage the portfolio, which includes credit limit management, retention strategies etc. • Track, communicate and draw insights from the performance of ongoing initiatives & be on top of all credit KPI’s through intensive monitoring• Support the annual budget, forecast and planning processes• Identify operational inefficiencies and manage the implementation of the solution• Partnering with engineers, Project Managers, data scientists, designers etc. to coordinate and prioritise business decisions

Managing the credit loss provision and enabling growth for American Express EMEA across SME and commercial charge cards portfolios. Responsibilities:- Defining credit risk strategies (Acquisition & customer management) for Amex commercial products- Oversight of operations teams to ensure flawless execution of risk management procedures - Establishing strong partnership with sales, marketing, and Risk Centre of Excellence teams based across various geographies to successfully drive business growth in the region

- Strategy Development & Insight: Leading strategic initiatives to optimise FC P&L or the FC customer experience.Working in strong partnership with commercial team to develop and execute new strategies- Marketing Analytics: Optimise customer acquisition using hypothesis testingStatistical analysis of marketing campaigns- Information management:Identify gaps in current reports, implement new automated reporting process and relevant infrastructure using dashboarding & data visualisation tools Work with Data Team to drive availability of relevant data, tools, and infrastructure

Translating risk data into business insight and providing quantitative support to business decisions. Key areas of focus include:Credit Risk & Credit Strategy Analytics:Responsible for conducting & presenting credit strategy analysis in order to optimise the business performanceLoss Forecasting & Return Modelling:Initiated, developed and implemented FC Loss Forecasting Model / Recoveries Forecasting Model using R & ExcelDesigned and developed cash flows models to forecast ROI for FC investors using R & ExcelDeveloped & implemented FC SME & Property Stress Testing ModelReporting & Information Management:Communication of risk analysis to senior management/ clients on a regularly basisAutomation of reports using R & SQL Responsible for providing ad hoc support to all stakeholders regarding Risk initiatives using R/SQLOther:Founder of FC Five a Side Football

Audit of Private Equity, Venture Capital and Mutual Funds• Participated in the audits of BNP Paribas, Fondinvest, Masseran International, SGSS Aviva and others• Assessment of inherent, control and significant risks• Planning and execution of audit tests• Interacted with clients• Reports redaction

Within the Credit Risk Office, I joined the Impairment and Capital Demand Team of Barclaycard.Barclaycard’s Global Impairment & Forecasting team calculate, forecast, report and explain Barclaycard’s impairment performance.- Collated and processed impairment data using Microsoft Excel, summarising complex information to communicate key messages to the main stakeholders.Key accomplishments:- risk management understanding- governance & policy understanding- impairment calculation model understanding- improvement in Excel skills

I had been entrusted with the data processing of a brand portfolio and the production of reports. This job allowed me to acquire field experience, personal initiative and skills in using Excel and PowerPoint.