Freelancer profile translated to English.
Back to original languageAbout Ghita
Banks, fintechs, and consulting firms: I support you in your digital banking, fintech transformation, and customer experience optimization projects.
With a Ph.D. in Management Sciences specializing in digital financial services and over 10 years of banking experience, I combine strategic expertise, data analysis, and field knowledge to produce concrete, decision-oriented recommendations.
I focus on banking digital transformation, adoption of digital financial services, strategic analysis, and support for innovative fintech projects.
Available for consulting assignments, strategic analysis, and fintech projects.
French
Native or bilingual
Arabic
Native or bilingual
English
Fluent
Spanish
Basic
Remote only
Primarily works remotely
Experience
- Crédit AgricoleSenior Risk & Portfolio Strategy ConsultingBANKING AND INSURANCEAugust 2023 - Today (3 years)- Risk Management AuditsConducting comprehensive audits of banking and financial risk management systems, including analysis of indicators, monitoring processes, and strategic decision-making mechanisms.- Reporting & DashboardsDesigning and optimizing decision-making dashboards and risk reporting, enabling structured portfolio monitoring, better anticipation of deviations, and informed decision-making.- Credit Portfolio AnalysisIn-depth analysis of credit portfolios to identify areas of vulnerability, anticipate default risks, and propose appropriate strategic recommendations.
- mission freelanceStartup / Project Founder ConsultingNovember 2023 - Today (2 years and 9 months)Supporting project founders and fintech startups in strategic analysis, structuring digital business models, and innovation guidance.
- Crédit AgricoleBusiness Plan & Financial Structuring for StartupsMarch 2020 - August 2023 (3 years and 5 months)- Analysis of submitted business plans- Evaluation of the economic and financial viability of projects- Development and adaptation of scoring models to assess the solvency, financial risk level, and economic robustness of entrepreneurial projects
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Education
- PHD IN MANAGEMENT SCIENCESUniversity Degree2025Doctorat en Sciences de Gestion - Spécialité : Transformation Digital | Expérience Client | Services Financiers | Analyse des Données