BUSINESS, RISK & TECHNOLOGY
Technology is most effective when it is grounded in a clear understanding of the business it serves.
FROM BUSINESS NEEDS TO FUNCTIONAL SOLUTIONS
Business Analysis establishes the connection between business objectives, operational requirements and technology.
It transforms complex business needs into structured, actionable solutions — from the initial analysis of a project through functional specifications, coordination, testing and validation.
The objective is to secure the project's purpose, anticipate its impacts and maintain alignment between business requirements and technical implementation.
PROJECT & BUSINESS ANALYSIS
Project relevance, business needs, impact analysis, requirements gathering, project studies, specifications and functional design.
PROJECT MANAGEMENT
Project organisation, planning and budgeting, team coordination, progress monitoring, reporting and stakeholder communication.
FUNCTIONAL ANALYSIS & DELIVERY
Application estimates, functional specifications, test plans, functional acceptance, anomaly management and homologation.
CHANGE & TRANSFORMATION
Environment, software and data migrations, user and decision-maker training, documentation, innovation, quality and ergonomics.
UNDERSTANDING THE STRUCTURE OF CREDIT RISK
Credit and risk management rely on complex interactions between customers, financial products, transactions, guarantees, regulations, ratings and exposure.
Understanding these interactions requires both detailed knowledge of credit mechanisms and the ability to translate them into structured processes, rules and systems.
CREDIT PRODUCTS
Real Estate Lending
Classical mortgages, stepped-payment loans, off-plan, interest-only, deferred repayment, savings-linked, regulated and subsidised loans.
Personal & Consumer Credit
Personal loans, student loans, vehicle finance, home improvement, cash loans, permanent/revolving credit.
Professional & Corporate Lending
Equipment, investment and working-capital financing.
Equipment & Asset Leasing
Finance leases, lease-to-own arrangements and financial leasing.
Overdraft Facilities
Cash facilities, global authorisations and temporary agreements.
CREDIT RISK & CAPITAL
Basel II · Financial Rating · Own Funds · Risk-Weighted Assets · Probability of Default · Loss Given Default · Exposure at Default · Expected Credit Loss · Solvency · Commitments
Default & Customer Rating
New definition of default, automated customer rating, downgrade, probation, reclassification, days-past-due, unlikeliness-to-pay and forbearance.
GUARANTEES & TRADE FINANCE
Authorisations & Guarantees
Received and issued guarantees.
Documentary Credit
Import and export documentary credits.
CREDIT SIMULATION
Development of an amortizing credit simulator covering multiple markets, credit types and formats, using Excel and VBA.