Yann Le Corvoisier

Financial Services: Mortgage Lending

30K clients, €0.5 billion lent/year, €2.7 billion credit portfolio

▪ CFO and member of the Executive Committee of the JV between La Banque Postale and SNCF

▪ Scope:

Leadership of 4 teams:

- Accounting (5 people): General accounting, taxation, regulatory

- Management Control and Treasury (4 people): Budget preparation and updates, analytical monitoring of activity and performance

- ALM: operationally outsourced to La Banque Postale

▪ Key actions and initiatives I led:

- Arrived as a transition manager to explain the sharp drop in operating margin, I identified and resolved the error (index gap), and strengthened controls.

- Definition with the Management Board of the recovery strategy in a context of real estate crisis and high interest rates

- Restructuring of teams: outsourcing of Accounting and ALM.

- Implementation and automation of dashboards and financial tools (Budget, ALM, accounting statements, financial margins) in Powerbi

- Launch of digitalization projects (Sage ERP, Datawarehouse, Powerbi, E-invoicing, Procure-To-Pay, expense report management)

- Strengthening of procedures with the implementation of training videos for tasks

▪ Keywords:

Digital Transformation | Management | Strategy | Process Improvement | Budget and Forecasting | Data Analysis | Accounting & Management Control | Results-Oriented

Financial and Digital Consulting, as well as interim management / Freelance missions

Technical Skills:

▪ Budget and Forecasting ▪ Digital Transformation ▪ Financial Process Improvement ▪ Management ▪ Strategy ▪ Data Analysis ▪ Accounting ▪ Management Control ▪ Communication ▪ Risk Management ▪ Reporting ▪ Project Management ▪ Internal Controls ▪ Treasury ▪ Cost Control ▪ Consolidation

Behavioral Skills:

▪ Leadership ▪ Ingenuity ▪ Adaptability ▪ Problem Solving ▪ Integrity ▪ Results-Oriented ▪ Crisis Management ▪ Entrepreneurship

Key sectors:

▪ Banking▪ Insurance▪ Digital▪ Services▪ Real Estate

Key achievements:

▪ Creation of a financial report in Powerbi from Pennylane (sportech sector)

▪ Startup investments and support: Financial Sector (Chip / Cuvva), Sportech (Smatchy), Foodtech (Consentio / Tranché), Real Estate (Joole / Coliving / So New BCN)

▪ Creation and backend development (laravel, php, mysql, aws) + frontend (html, javascript) of a pan-European online price comparison site for toys (operational between 11/2019 and 06/2023, +50K visitors/month)

▪ Creation of an online B2B/B2C marketplace for services (+900 services, 3M professionals, qualified lead generation)

▪ 2 studies on data acquisition (bakery and fresh produce sectors)

▪ 2 pre-closing due diligence for company acquisitions (sectors: daycare, satellite)

▪ Financial support and Pre-seed funding campaign (sportech sector)

▪ Interim management: Interim Financial Director (CFO) for 7 months for a financial company

Skills: Finance · Strategy · Entrepreneurship · Interim Management · Digital · Project Management · Financial Reporting· Backend and Frontend Programming

Fintech | Telco Neobank

From 0 to 250k customers.

▪ As CFO and member of the Executive Committee of this Spanish digital neobank founded by Masmovil (Spanish telecommunications group) and Cetelem / BNP Paribas Personal Finance, I participated in its creation, launch and growth.

▪ Missions:

- Participation and valuation of the startup's strategy

- Manage relationships with the Bank of Spain, auditors, and shareholders

- Ensure liquidity and solvency

- Budget and update preparation

- Implementation of financial processes, policies, manuals, controls

- Management of pricing and profitability of financial products

- Monthly preparation of financial statements and analytical closing and performance monitoring

- Treasury management

- Management of supplier and partner contracts

▪ The main activities and initiatives I led were:

- Manage financial documentation for the Bank of Spain's authorization to operate as a financial entity

- Operational and financial reporting to stakeholders and quarterly presentation to shareholders, the board of directors, and the Bank of Spain (Spanish central banking authority) - Solvency and liquidity management including the execution of 3 capital increases (total of €16 million), subordinated loan (€2.8 million), and revolving credit line (€170 million)

- Outsourcing of the Financial team to Cetelem

- Creation of detailed and semi-automated Business Plan models by channel x product x origination process

▪ Key company achievements in the last 2 years:

- 250K customers acquired

- €120 million lent

- €90 million outstanding

▪ Keywords:

Digital Transformation | Management | Strategy | Process Improvement | Budget and Forecasting | Data Analysis | Accounting & Management Control | Results-Oriented | Communication | Entrepreneurship