Credit risk
Credit risk, whether related to a borrower’s inability to meet his or her financial obligations or to changing economic conditions, represents a constant challenge for financial institutions. Command Strategy helps you to anticipate, measure and control your credit risks.
Our support
- Application of prudential standards (Basel III, IFRS 9, CRR/CRD): Ensure compliance with regulatory requirements in terms of capital adequacy, provisioning and management of credit risk exposures.
- Management of reporting requirements: Develop processes to meet regulatory obligations (COREP, FINREP, ECB Stress Tests) and ensure credit risk transparency.
- Governance and internal control framework: Implement robust policies and procedures for granting credit, monitoring commitments and managing counterparty risks.
- Exposure and concentration monitoring: Analyze and monitor outstanding loans, identify excessive exposures and diversify portfolios to limit systemic risks.
- Development of key indicators (PD, LGD, EAD): Implement quantitative indicators such as Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD) for fine-tuned credit risk management.
- Warning systems and internal rating: Implement scoring models and early warning systems to detect signals of financial deterioration in borrowers.
- Development of scoring and internal rating models: Build rating models to assess borrowers’ creditworthiness and anticipate default risks.
- Stress tests and crisis simulations: Perform sensitivity analyses to assess the impact of unfavorable economic scenarios on the quality of the credit portfolio.
- Calculation of economic and regulatory capital: Estimate capital requirements using standard and advanced approaches to optimize capital management and return on risk.
- Overhaul of credit management systems: modernize tools for monitoring exposures, managing collateral and assessing counterparty risk to improve operational efficiency.
- Automating decision-making and monitoring processes: Implement advanced automation solutions to speed up credit granting while ensuring rigorous risk control.
- Optimizing the credit life cycle: Improve internal processes for granting, managing, monitoring and collecting receivables to reduce the cost of risk and optimize profitability.
- Training in credit risk management methodologies: raising teams’ awareness of internal rating methods, regulatory requirements and industry best practices.
- Developing a risk culture: Implementing a proactive approach to monitoring commitments and controlling counterparties to minimize losses and secure transactions.
- Strengthening analytical and technological skills: Supporting teams in mastering credit risk modeling tools and associated management systems.
124 Bis Avenue de Villiers – 75017 Paris
Phone: +33 (0)1 42 94 09 48
Benjamin TESSIAUT, CFA
Senior Manager
A statistician and actuary with a degree from ISUP – Sorbonne University, Benjamin has been working for the past ten years on financial actuarial, regulatory and modeling issues for players in the world of finance.
Sophie TA KIM
Senior Manager
Trained as an accountant, Sophie exercised the auditing profession then as a consultant to asset managers, bankss and insurers during fifteen years before joining Command Strategy.
Sarah OHAYON
Senior Manager
Sarah holds a Master’s degree in Statistical and Financial Engineering from Paris Dauphine University. has built up her expertise in risk management over the last ten years, working as a consultant for a range of investment players.the investment world.
Fabrice ROUSSEAU
Senior Manager
Graduate of Paris Dauphine University with twenty-five years’ experience, including ten years in investment banking and trading.
Jean-Pierre RIZK
Partner
A graduate of HEC Paris specializing in financial services, Jean-Pierre covers the entire consulting chain, from strategic analysis to implementation and outsourcing. His expertise, versatility and ability to bring people together are one of the hallmarks passed on in Command’s DNA. Strategy.
Hakim AMEZIANI
Partner
A graduate of ENS Paris and Université Paris Dauphine, Hakim has over ten years’ experience in asset management in asset management and financial and insurance risk managementHe has worked on a wide range of projects, from regulatory issues and changes to standards, to large-scale IS and financial projects.
Vincent TARRIT
Senior Manager
A graduate of the Toulouse School of Economics (TSE), Vincent has several years’ experience in managing projects on a variety of themes: alternative investments, benchmarks, data quality, etc.
Sarah IHADDADENE
Manager
An expert in financial engineering and a graduate of ESG Finance, Sarah has nearly 7 years’ experience in finance and asset management. Her various assignments have enabled her to work on functional issues, accounting projects and the production of regulatory statements.
Guillaume DELSENY
Senior Manager
A graduate of Skema Business School and Université Paris I Panthéon-Sorbonne, Guillaume has 15 years’ experience in organizational transformation, with a specialization in Asset Management. He is involved in the entire consulting cycle, including IT project management, systems selection and migration, and business rules definition. His expertise covers the Front-to-Back-to-Accounting-to-Treasury chain and Private assets.
Tidia YETTOU
COMMUNICATION
With a degree in Marketing, Tidia joined the company at its inception and has played an active role in its expansion. She holds the position of Marketing and Communications Manager.
Nicolas DUSSERRE
Senior Manager
Trained as an engineer, Nicolas is passionate about data-driven innovations. specializes in automation issues for players in the world of finance..
Thomas BELLINI
Manager
Thomas holds a Master’s degree in “IT for Finance” from the Université Paris Dauphine, as well as a diploma from the CY-TECH engineering school (Data Science option), and specializes in the design of IT solutions for the financial sector. Today, within the company, he works on projects as a Full Stack developer, with a focus on finance.
Olga DENEGA
Senior Manager
Alexandre TEYSSIER
Manager
Holder of a Master’s degree in Engineering and Finance (M2IF) from the University of Paris-Saclay, Alexandre has solid expertise in the use of mathematical and numerical tools applied to finance. For the past 7 years, he has been working in the fields of Asset Management and Risk Management, addressing a wide range of industry issues.
