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
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Mathematics & Physics Tutor

Villetaneuse, Île-de-France, France

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)
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Credit Insurance Rate Renegotiation Specialist (CDD)

Paris, Île-de-France, France

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
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Back Office Credit Rate Renegotiation Manager

Maisons-Alfort, Île-de-France, France

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
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Client Advisor (Part-time, CDI)

Montreuil, Île-de-France, France

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
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Financial Advisor Intern

Montreuil, Île-de-France, France

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
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Local Custody Tax Support (CDD)

Pantin, Île-de-France, France

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
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Beauty Advisor (CDD)

Montreuil, Île-de-France, France

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
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Member

Paris, Île-de-France, France

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
Paris, Île-de-France, France

Master MEEF

Economics Education

Université Sorbonne Paris Cité
Paris, Île-de-France, France

Master 2

Money, Banking, Finance, Insurance (MBFA) - Risk, Insurance, Decision

Université Sorbonne Paris Cité
Paris, Île-de-France, France

Master 1

Money, Banking, Finance, Insurance (MBFA) - Risk, Insurance, Decision

Université Abderrahmane Mira
Bejaia, Bejaia, Algeria

Master 2 MBFA

Applied Economics, Financial Engineering

Université Abderrahmane Mira
Bejaia, Bejaia, Algeria

Master 1 MBFA

Applied Economics, Financial Engineering

Université Abderrahmane Mira
Bejaia, Bejaia, Algeria

Licence

Money, Banking, Financial Environment

Lycée Nouveau Sidi-aich
Bejaia, Bejaia, Algeria

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.