Zaina Tafnout

Automation and optimization of actuarial processes

• Development and maintenance of profitability steering tools.
• Automation of closing accounts in non-life insurance (risk and service), in close collaboration with Finance teams.
• Implementation of automated data retrieval and integration flows for clients via SFTP and Power Automate.
• Optimization and security of data processing procedures to reduce manual tasks.

Data analysis and valorization

• Analysis of existing customer portfolios to identify trends, opportunities, and areas for improvement.
• Conducting quantitative studies to support business team decision-making.

Pricing and business tools

• Redesign and improvement of internal pricing tools.
• Participation in the design and evolution of pricing models and performance indicators.

Reporting and reinsurance

• Development and automation of reinsurance-specific reports.
• Production of analyses and monitoring indicators for internal stakeholders.

Continuous improvement of underwriting processes

• Design of an automated dashboard for monitoring renewals and cancellations for fleet underwriting teams.
• Simplification and industrialization of business processes to improve operational efficiency.

Design and development of a collaborative multi-standard financial modeling tool

• Participation in the design of a modeling platform for producing prospective accounts according to various accounting standards.
• Development of user interfaces (UI) facilitating input assumption integration via standardized Excel templates.
• Design and development of actuarial calculation engines for various modules: Technical Provisions Multi-standard Charges Financial and accounting indicators
• Integration of stochastic models within the solution to improve the robustness of financial projections.
• Support for business teams during user acceptance testing and functional validation phases.
• Management of deployments and deliveries across different environments (development, testing, production).

Automation of life insurance account closings

• Development of an internal tool to industrialize and secure the account closing process.
• Automation of consistency checks and potential anomaly detection to improve calculation reliability.
• Automated generation of detailed reports for business and financial teams.
• Development of calculation engines for: Administration Fees Acquisition Fees Reinsurance Balances Mathematical Reserves Regulatory and accounting indicators
• Contribution to improving operational efficiency and compliance with regulatory requirements.

Data Science Project in partnership with Michelin – Two-wheeler risk prevention

• Participation in an innovation project aimed at leveraging telematics data from onboard devices to improve road risk prevention.
• Collection, preparation, and analysis of behavioral data from insured vehicles.
• Identification and modeling of high-risk periods using advanced Machine Learning techniques.
• Development and comparison of several predictive algorithms: LightGBM XGBoost Support Vector Machine (SVM)
• Construction of risk indicators for targeted preventive actions.
• Contribution to the redesign of the two-wheeler insurance product through a better understanding of driving behaviors.
• Participation in the development of alert and prevention mechanisms for drivers.