Francesco R.

NPE FBE PROJECT MANAGER:Within the Financial Department of the commercial bank in France BNP BCEF, within the Data Risks (DWR) squad belonging to the BCEF Credit and Risks Core domain. 2 roles:

1.NPE FBE Project Manager (Mission: automation of the sending of restructured (in Forbearance) and non-performing exposures (Non Performing Exposures) to the ECB. This project involved close collaboration with the risk department to understand and implement FBE and NPE concepts within the DWR Risk DataWare (dedicated NPE-FBE datamart). These concepts are defined in the Group policy 'Non-performing and Forborne Exposures Policy' and locally applied in the BCEF policy related to non-performing and restructured loans (Retail and Corporate). This project resulted in the deployment of this tool in July 2025.

a.Work methodology: Agile scrum integrated into the domain

b.Interaction with the Risk business to understand NPE-FBE requirements

c.Support for IT as a Business Analyst

d.Audit and validation of the final product

2.Within the BNP BCEF production unit, participation in the production process of regulatory risk and cost of risk reporting leading to the sign-off by the CFO of BCEF. DWR is the core of the Group's production for cost of risk calculations (stage 1, 2, and 3), risk-weighted assets RWA, Basel 4, origination scores, IFRS, BCR (risk exposures database), risk steering, NDOD default calculation

Technical environment: Teradata, Sql Server, Mainframe

Functional environment: Credit and counterparty risk, NPE, FBE, IFRS, NDOD, Basel, RWA, Regulatory Reporting, Agile SCRUM Methodology

PROJECT MANAGER:within the Operations Department, implementing a new approach to Project Management and Steering. Deputy to the Operations Director to define the project steering process for CABOT France and UK.

• Improve collective project execution capacity in a context where CABOT's transformation needs are high

• Centralize projects

• Ensure and monitor compliance with project management directives (quality assurance process)

• Support risk identification

• Monitor the progress of all CABOT projects

• Equip all stakeholders involved in projects with a minimal common vocabulary

• Clarify the roles and responsibilities of project contributors

• Provide common tools

• Disseminate best practices and capitalize on them

Functional environment: credit management, debt purchase, third-party debt collection, amicable debt collection, judicial debt collection, over-indebtedness (Banque de France), statistical modeling of collection curves.

COUNTERPARTY RISK RATING PROJECT MANAGER:Within the IT Risk Department as part of the IT transformation of CACIB risk systems. The project involves replacing the ANADEFI CACIB rating software, a tool for diagnosing, analyzing financial statements, and managing client credit risk, with the group's internally developed DAFNE solution (Rating and Financial Analysis System) shared across all GCA entities.

• Scoping to identify the needs of the CACIB Risk department to be implemented in DAFNE CACIB.

* Developed macro functionalities: Customer data analysis, balance sheet analysis, income statement analysis, IFRS ratio calculation, score, company rating, company comparison, sector comparisons.

• The DAFNE project also required interaction with the Group (GCA) and other GCA entities to identify shared functionalities to be included in the GROUP DAFNE backlog. In this context, IT project manager and IT point of contact for GCA.

• Product Owner (Agile Scrum Methodology): Costing and Planning of the CACIB Project for alignment with the shared Group solution.

• Team creation and setup, Project Steering, and Implementation of Agile methodology working methods

Technical environment: Sas, Sql Server, Angular, Java

Functional environment: Regulatory Rating and Counterparty Risk, balance sheet analysis, income statement analysis, ratio calculation, score, company comparison, sector comparisons, IFRS. Agile SCRUM Methodology