Achat Manen
Financial Services Professional
Villennes-sur-Seine, FR.About
Highly analytical and client-focused financial professional with a robust academic background in finance and economics, specializing in credit risk analysis and financial product management. Proven ability to optimize credit portfolios, ensure stringent regulatory compliance, and deliver exceptional client service within dynamic banking and financial services environments. Adept at leveraging data analysis and financial acumen to drive impactful results and enhance client satisfaction.
Work
Independent Tutor
|Mathematics & Physics Tutor
Villetaneuse, Île-de-France, France
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Summary
Provided academic support and homework correction for middle and high school students in Mathematics and Physics, fostering improved understanding and performance.
Highlights
Tutored numerous middle and high school students in Mathematics and Physics, leading to significant improvements in their academic comprehension and grades.
Assisted students with homework and exam preparation, resulting in enhanced confidence and test scores.
Developed customized learning plans to address individual student needs and learning styles, ensuring effective knowledge transfer.
CSF (Crédit Social des fonctionnaires)
|Credit Insurance Rate Renegotiation Specialist (CDD)
Paris, Île-de-France, France
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Summary
Managed the processing of credit insurance rate renegotiation requests for civil servants, ensuring compliance and client satisfaction.
Highlights
Processed a high volume of credit insurance rate renegotiation requests, ensuring meticulous adherence to policy terms and regulatory guidelines.
Facilitated seamless adjustments to credit insurance policies, directly contributing to enhanced client financial flexibility and retention.
Utilized detailed knowledge of credit insurance products to effectively guide clients through complex renegotiation processes, improving understanding and trust.
BPCE
|Back Office Credit Rate Renegotiation Manager
Maisons-Alfort, Île-de-France, France
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Summary
Oversaw back-office operations for credit interest rate renegotiations, ensuring meticulous data verification and accurate rate allocation.
Highlights
Managed the renegotiation of real estate credit interest rates, optimizing client financial terms and securing favorable outcomes.
Conducted thorough verification of supporting documents (CRD, charges, resources) to ensure 100% regulatory compliance and data accuracy.
Analyzed demand conditions and credit situations to assign appropriate interest rates based on established grids, minimizing risk exposure.
Generated precise credit simulations and prepared contractual amendments for client review and approval, streamlining the agreement process.
Monitored and controlled the return of offers, ensuring timely completion of renegotiation cycles and adherence to service level agreements.
Banque Postale
|Client Advisor (Part-time, CDI)
Montreuil, Île-de-France, France
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Summary
Provided comprehensive client reception and sales services, delivering tailored financial product solutions to meet diverse client needs.
Highlights
Welcomed and advised a diverse client base on a range of financial products, ensuring positive and informative interactions.
Identified client needs and successfully cross-sold suitable banking and insurance products, contributing to branch sales targets.
Maintained strong client relationships through personalized service and expert product knowledge, fostering loyalty and trust.
Banque Postale
|Financial Advisor Intern
Montreuil, Île-de-France, France
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Summary
Supported financial advisory services through client acquisition, product sales, and administrative tasks, gaining hands-on experience in retail banking.
Highlights
Opened current accounts and Livret A savings accounts for new clients, facilitating client onboarding and expanding the customer base.
Prepared accurate quotes for auto and home insurance, credit consumption, and real estate loans, directly supporting sales efforts.
Conducted proactive telemarketing and in-branch prospecting, successfully identifying and engaging potential clients.
Achieved sales targets by effectively selling mobile phone cards and other diverse product portfolio items.
BNP Paribas
|Local Custody Tax Support (CDD)
Pantin, Île-de-France, France
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Summary
Managed fiscal documentation and developed Excel macros to streamline tax support processes for local custody operations.
Highlights
Processed and verified fiscal documentation with 100% accuracy, ensuring compliance for local custody activities.
Developed and implemented Excel macros to enhance efficiency in tax data management, significantly reducing manual effort and processing time.
Contributed to the smooth operation of tax support functions within a major financial institution, maintaining high standards of data integrity.
Yves Rocher
|Beauty Advisor (CDD)
Montreuil, Île-de-France, France
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Summary
Advised clients on well-being and beauty products, fostering client loyalty and achieving commercial objectives.
Highlights
Provided expert advice on beauty and well-being products, enhancing client satisfaction and product knowledge.
Developed and nurtured client relationships, contributing to increased customer loyalty and repeat business.
Consistently achieved commercial objectives and guaranteed sales performance through effective client engagement and product recommendations.
Volunteer
Association ESCAPADE LIBERTE MOBILITE
|Member
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Summary
Contributed to developing and promoting accessibility for people with disabilities and the elderly across natural, leisure, tourism, sports, cultural, educational, and employment domains.
Highlights
Advocated for enhanced accessibility for people with disabilities and the elderly across various sectors, including leisure, tourism, and culture.
Participated in initiatives to foster inclusion and provide appropriate means for participation in physical, sports, and educational activities.
Supported the association's mission to improve quality of life and opportunities for vulnerable populations, demonstrating strong social commitment.
Education
Université Paris 8
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Master MEEF
Economics Education
Université Sorbonne Paris Cité
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Master 2
Money, Banking, Finance, Insurance (MBFA) - Risk, Insurance, Decision
Université Sorbonne Paris Cité
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Master 1
Money, Banking, Finance, Insurance (MBFA) - Risk, Insurance, Decision
Université Abderrahmane Mira
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Master 2 MBFA
Applied Economics, Financial Engineering
Université Abderrahmane Mira
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Master 1 MBFA
Applied Economics, Financial Engineering
Université Abderrahmane Mira
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Licence
Money, Banking, Financial Environment
Lycée Nouveau Sidi-aich
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Baccalauréat
Sciences
Grade: Mention A.BIEN
Awards
Baccalauréat Sciences - Mention A.BIEN
Awarded By
Lycée Nouveau Sidi-aich
Awarded for excellent academic performance in the Science Baccalauréat examination.
Languages
Français
Kabyle
Arabe
Anglais
Skills
Office & Business Tools
Microsoft Office Suite, PC Paie (Payroll Software).
Data Analysis & Statistical Software
VBA, RStudio, Stata, Eviews, SPSS.
Financial Services & Banking
Credit Risk Analysis, Credit Insurance, Interest Rate Renegotiation, Financial Product Sales, Client Advisory, Retail Banking, Regulatory Compliance, Back Office Operations, Fiscal Documentation.
Client Relationship Management
Customer Service, Client Onboarding, Cross-selling, Client Retention, Negotiation, Proactive Prospecting.
Analytical & Problem-Solving
Data Verification, Financial Simulation, Process Optimization, Problem-Solving, Strategic Analysis, Mathematical Reasoning.
Interests
Sports & Recreation
Cycling, Swimming, Tennis, Zumba Dance.
Hobbies
Reading.