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Marouane CharafMC

Marouane Charaf

Functional / UAT Tester – Real Estate Credit

€190/day
Casablanca, MA
3-7 years

Average response time: 1 hour

Freelancer profile translated to English.
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About Marouane

  • French

    Native or bilingual

  • Arabic

    Native or bilingual

  • English

    Fluent

Can work on-site
Casablanca (up to 50km)

Experience

  • cih bank
    Functional / UAT Tester
    BANKING AND INSURANCE
    July 2025 - Today (11 months)
    Casablanca, Morocco
    CIH BANK Casablanca
    Analysis and validation of functional requirements related to real estate credit on 30+ user stories per release
    Design and execution of functional and UAT tests covering the entire credit cycle (Simulation, Study & Analysis, Risk Analysis, Decision, OPCI, Reserve Release, Contracting, Compliance Opinion, End of Process)
    Execution of end-to-end tests on 40+ real cases, reducing post-acceptance anomalies by -30%
    Qualification, monitoring, and prioritization of 50+ anomalies (including critical ones) with a pre-production correction rate exceeding 95%
    Active contribution to regression testing campaigns, securing each production release without blocking incidents
    Close collaboration with PO, IT teams, and business units to ensure functional and regulatory compliance
  • CIH BANK
    Functional / UAT Tester – Real Estate Credit
    July 2025 - Today (11 months)
    Analysis and validation of functional requirements related to real estate credit on 30+ user stories per release
    Design and execution of functional and UAT tests covering the entire credit cycle (Simulation, Study & Analysis, Risk Analysis, Decision, OPCI, Reserve Release, Contracting, Compliance Opinion, End of Process)
    Execution of end-to-end tests on 40+ real cases, reducing post-acceptance anomalies by -30%
    Qualification, monitoring, and prioritization of 50+ anomalies (including critical ones) with a pre-production correction rate exceeding 95%
    Active contribution to regression testing campaigns, securing each production release without blocking incidents
    Close collaboration with PO, IT teams, and business units to ensure functional and regulatory compliance
  • CIH BANK
    Real Estate Credit and Risk Analysis Expert
    BANKING AND INSURANCE
    April 2024 - July 2025 (1 year and 3 months)
    Casablanca, Morocco
    Solvency analysis and credit risk assessment on 120+ real estate financing files
    Structuring, processing, and monitoring of files representing a total outstanding amount of several tens of millions of dirhams
    Rigorous application of regulatory and documentary requirements, with a compliance rate close to 100%
    Direct interaction with decision-making bodies (Credit Manager, Risk Analysis, Management)
    Contribution to securing the credit portfolio and managing operational risk

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Education

  • Master of Finance, Banking, and Insurance
    ENCG Settat Settat With Honors
    2019
    Master Finance Banque Assurance
  • Professional Bachelor's Degree in Management
    EST Casablanca
    2017
    Licence Professionnelle Management

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