Loïc Cédric Talobou

Within the Data Office business line, I joined the Third-Party Referential team, which is at the heart of BCEF's digital transformation and its strategic plan to promote a data culture. This team is responsible for defining the data governance strategy, understanding and mastering data through its quality improvement, complying with the internal requirements of the Group and BCEF as well as regulatory requirements for data protection, and finally securing data access (data warehouses, referentials, operational systems) and ensuring the alignment and availability of the Third-Party Referential.

● Data Product Manager for the Third-Party scope of the LTS/VDS/LOM/ESG Program

Achievements: Process for creating new data or modifying existing data

o Planning workshops with stakeholders (Business Domains and IT teams)

o Drafting the Scope Definition Note (definition and specification of the data and its scope)

o Defining data circulation and reporting within the IS (BCEF and BNP Paribas Group)

o Creating data in management tools for user knowledge (DMT tool)

o Coordinating remediation plans for data across all business domains

● LTS/VDS/LOM/ESG Program (Loan Tape Standard / Valuation Data Set / Loan Origination Monitoring / Environment Social Governance)

o Ensuring the integrity of the Third-Party Referential and the flow of exchanges between BCEF and the Group

o Supporting and advising business domains and governance functions

o Meeting the requirements of the BNPP Group and regulatory authorities

o Promoting a data culture within BCEF and ensuring data quality

o Managing regulatory projects and exchange flows between BCEF and the Group (RMPM/CRI Third-Party)

o Identifying customers eligible for sustainable finance commercial offers (loans and savings)

Within the SNF (Service Numérique France) business line, I joined the Credit Corporate Risk team, composed of multidisciplinary profiles (project managers, architects, study engineers, data managers, etc.) who combine technical business owner and technical implementer skills for the benefit of CA Consumer Finance's business departments, its clients, and its partners (Crédit Agricole Regional Banks, LCL, Large Retail Partners, institutional investors, etc.). Its missions include developing innovation and digital solutions within the company, managing, steering, and implementing programs and projects on behalf of business departments, defining and enforcing information system architecture and urbanization standards, and finally maintaining the Information System in operational condition.

As a project manager, my involvement in various projects has allowed me to interact with different CACF business lines, namely Retail, Corporate, Treasury, and Accounting. I work with ad hoc virtual teams located in Roubaix and Massy, as well as service centers (AUBAY, ACCENTURE).

● Project Manager for the Risk Reporting (CRRV4.2)

● Project Manager for the ANACREDIT application

Achievements:

o Project Scope, Cost, and Schedule Management

o Communication management between stakeholders and the project team (Paris and Singapore)

o Drafting business requirements (specifications through workshops with the business)

o Creation, anomaly tracking, and user support (assistance in opening anomalies on CAMELIA)

o Retrospectives (management of process quality, deliverables, and lessons learned)

o Project steering (Planning using MS Project)

o Project scoping with IT teams (CDS, Roubaix) and the business (Massy)

o Business support during acceptance testing (Test Plan, Test Cases, Acceptance Report)

o Weekly reporting on activities (objective, stake, functional scope, summary, points of attention, risks, dependencies, budget, overall trend, difficulties, and other key events)

o Participation in weekly or monthly Steering Committee and Project Committee meetings

● CRRV4.2 Project [Risk Reporting] (regulatory project): Enrichment of the Central Risk Database with new data for Retail, Corporate, Treasury, and Accounting Adaptation scopes

o Integration of Treasury Third Parties into the THIRD-PARTY & GROUP Database

o Populating Treasury from the KTP Database

o Addition of new ANACREDIT and Leverage Effect data on BASTET

o Accounting/Risk reconciliation for Retail, Corporate, and Treasury scopes

● ANACREDIT Project [ANAlytical CREDIT] (regulatory project): Creation of a detailed analytical credit database for the ECB, to be shared among all members of the Eurosystem, including data from all Eurozone countries. The coherent set of data required for the BDF and the ECB includes:

o Counterparty identification data

o Risk data associated with counterparties

o Financial and accounting data for commitments

o Guarantees associated with commitments

● Application of the ARIANE Method (internal CACF project management method)

o Pre-study (Instances: CLE, CDPP Deliverables: FDE, FGE, EVALIMPACTS)

o Study (Instances: COVALAR, COVALOG Deliverables: ARS, DCG, EDB, ENV, FGP, TSF)

o Launch (Instances: CCP Deliverables: PMP, PLP)

o Definition (Instances: CVE, CEF Deliverables: CDC, DDS, ARD, NOR, DSCG, EVALPI)

o Construction (Instances: CNAP, CVS Deliverables: DST, DEXPT, PV MOE, SDT, BDT)

o Validation (Instances: COMEP Deliverables: DFR, AMSO, PV MOA, PDEM)

o Production Deployment (Instances: NONE Deliverables: DVMEP, DCMEP)

o Post-project (Instances: NONE Deliverables: REX, ROI)

Within the GIT (Global IT) business line, I joined the Counterparty Risk IT team, which delivers application solutions to permanent risk control operators. This enables them to manage their activities such as detecting counterparties in credit default, calculating prospective profitability, and assessing risk indicators necessary for credit granting. These business applications allow the Bank to accelerate and make its processes for granting business loans more reliable, by using qualitative and quantitative data, predictive indicators, and real-time compliance calculations.

I joined the team as a Business Analyst for six months and then quickly progressed to Project Manager for one year. My involvement in various areas has given me a comprehensive IT/business perspective to best guide operational staff in their requests. I work in an international context with the business analysis and technical implementation teams in Singapore on a daily basis, in English.

● Project Manager for the Basel Parameters Calculation Engine

● Project Manager for the Counterparty Default History Application

Achievements:

o Project Scope, Cost, and Schedule Management

o Communication management between stakeholders and the project team (Paris and Singapore)

o Improvement of best practice processes (change management)

o Drafting business requirements and creating mock-ups (workshops with the business)

o Drafting functional specifications

o Drafting test strategy and test plans

o Creating test scenarios and test cases

o Executing test cases, validating and verifying business requirements

o Creating and tracking anomalies, and Level 3 user support

o Drafting the Acceptance Test Report (Release note)

o Retrospectives (management of process quality, deliverables, and lessons learned)

● ECE (Electronic Calculator Engine) Project: Basel Parameters Calculation Engine

o Managing the activity of 1 Business Analyst consultant in Paris

o Project scoping with IT teams (in Paris and Singapore)

o Calculation of prospective profitability of equity adjusted for credit risk (PI)

o Calculation of risk indicators (PD, Maturity, EAD, LGD, CCF, RWA)

o Calculation of PI at contractual maturity, monthly, at step-up, and at average maturity

● EURECCA (Electronic Unit of Regulatory and Economic Calculations for Credit Application) Project:

o Management of counterparty quantitative data and their rating

o Management of authorizations, guarantees, and collateral

o Calculations of profitability and equity allocation indicators (PI, RWA)

● BALHI (Basel History) Project:

o Managing the activity of 1 Business Analyst consultant in Paris

o Management and collection of historical data on counterparties in credit default

o Regulatory tool useful for validating the predictive model

o Decision support tool (LGD and CCF) between predictive risk (IRBA model) and actual risk (observed from historical data)