Freelancer profile translated to English.
Back to original languageAbout Zakaria
Are you facing regulatory deadlines (RACI, RAF, ICAAP, ILAAP, PPR...) and lacking internal resources to produce your prudential deliverables? I can help.
Banking risk management consultant with 5 years of experience within European financial institutions, I intervene with complete autonomy on your regulatory compliance projects — from methodological scoping to presentation in risk committees.
My areas of intervention:
- ILAAP / ICAAP Reports: development, update, defense with the regulator
- ESG & Taxonomy Framework: materiality analysis, climate transition plan, EBA/GL/2025/01 compliance
- Risk Appetite Framework: design, indicator calibration, Board reporting
CRR3 / CRD VI: impact analysis, risk weighting compliance
- Stress tests & Preventive Recovery Plan
- Backtesting of IFRS 9 models (PD, LGD, EAD, ECL)
What sets me apart:
→ I don't just advise: I deliver final documents, directly usable by your governance and your regulator (ACPR/BCE)
→ Trilingual French · English · Arabic — cross-border assignments possible
→ Multi-establishment experience: retail banks, niche banks, fintechs, subsidiaries of international groups
Available for ad-hoc or long-term assignments, in-person or hybrid.
French
Native or bilingual
English
Fluent
Can work on-site
Paris (up to 50km)
Experience
- Chaabi BankCredit and Financial Risk Management OfficerBANKING AND INSURANCEJune 2024 - Today (2 years and 2 months)Paris, France• Quarterly revaluation of the credit portfolio for France and branches.• Contribution to the development and update of ICAAP/ILAAP/RAF.• Monitoring of risk limits in collaboration with relevant teams.• Contribution to the preparation of materials for the Client Account Surveillance and European Litigation Committees, ALCO, and Risk Committees.• Production and monitoring of Preventive Recovery Plan indicator results.• Contribution to the revision of credit and financial risk management tools.• Preparation for crisis management tests.• Monitoring of credit commitments (France and branches).• Execution of second-level controls.
- BPCE SAData Analyst - Credit RiskBANKING AND INSURANCEAugust 2023 - May 2024 (9 months)Paris, FranceSupport to the Risk Management Department of BPCE Financement in the context of IFRS9 Provisioning Model Backtesting.Definition of the Backtesting strategy- Development of operating procedures- Backtesting of Basel indicators (PD Fwl, LGD, EAD)- Backtesting of ECL- Drafting responses to backtesting standards
- ACCENIOM CONSULTINGConsultant - DATA ANALYSTBANKING AND INSURANCEFebruary 2023 - May 2024 (1 year and 3 months)Paris, France• Training on regulatory requirements for IFRS9 Models• Training on regulatory requirements for Internal Models• Training on the new definition of default NDOD• Training on IRBA PD LGD CCF modeling methodologies
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Education
- MBFA - Banking Risk AnalysisUniversity of Montpellier2021
- Actuarial ScienceUniversity of Montpellier2018
Certifications
- Probability and Statistics for Data Science and BusinessUdemy2023