Summary
Overview
Work History
Skills
education
languages
Hobbies and Interests
Timeline
Generic
Gacem LAGHOUAN

Gacem LAGHOUAN

C 1-5, MERCURY Residence, EL MENZAH GARDEN 2, MNIHLA

Summary

With 10 years of experience in risk management and finance within the banking sector, I have held senior positions in financial and banking institutions. I have successfully established new organizations, optimized risk management policies, and led key projects, such as the implementation of IFRS 9. My strengths lie in rigor, team management skills, and a relentless pursuit of excellence, which are valuable assets that I bring to any role. Now, eagerly seeking new challenges to further leverage my expertise and continue making a significant impact in the field.

Overview

10
10
years of professional experience

Work History

Deputy to the Director of Global Risk Management

ENDA TAWMEEL
06.2023
  • As Deputy to the Director of Global Risk Management, I actively contribute to the optimization of risk management related to ENDA TAMWEEL's activities, including credit risks, financial risks, and operational risks, as well as permanent control and compliance
  • My role encompasses conducting internal projects, proactively controlling risks, strengthening control to a higher level, and monitoring compliance
  • My missions : Co-supervision of five units and management of a team of 35 people
  • Contribute to the development of the overall risk management strategy, in line with the institutional strategy
  • Participate in the definition of the action plan of the Global Risk Management Department and in steering the achievement of its objectives
  • Ework and implement the Risk-Based Commercial Policy
  • Revise the Provisioning and Write-off policy, and oversee the classification of commitments and the calculation of the cost of risk
  • Contribute to the implementation of the recovery system (Watch List Policy) and control and reporting tools
  • Oversee the updating of the RSSI Management Policy reference documents
  • Update and monitor the effectiveness of the operational risk management system, the business continuity plan and the information system security system
  • Set up and manage the financial risk monitoring system
  • Manage projects within the DGGR Global Risk Management Department: IFRS 9, Psychometric Scoring and Rating System by sector
  • Supervise and validate the reporting work to the Microfinance Supervisory Authority
  • Validate the specifications of the DGGR projects, and participate in the selection of external service providers.

Department Manager

Wifak International Bank
07.2021 - 06.2023
  • In charge of managing financing within WIFAK BANK
  • To carry out the various missions, I assumed the following responsibilities: Ensure the ex-ante management of the bank's credit risks: validation of the risk assessment related to all types of financing to companies, VSEs, professionals and individuals, and take decisions on financing requests within the limits of the delegation assigned to the financing risks department (Market Risk taker)
  • Manage and supervise the employees of the Corporate Risk Department and Retail Risk Department (11 employees), and ensure the development of their skills while relaying the bank's strategy and values
  • Define the action plan of the Corporate Risk Department and Retail Risk Department and manage the achievement of their objectives
  • Update and ensure compliance and proper implementation of the bank's financing policy and delegated scheme
  • Set up a dynamic commitment monitoring system: Development of the WATCH LIST policy and procedures for early detection, management and monitoring of difficult commitments
  • Participate in the development of the bank's risk appetite framework: Identify, prioritize and assess risks related to the bank's activities and within each banking activity and processes
  • Manage the Global Banking up-grade project by being the Product Owner of the Financing Module (Retail & Corporate): lead the project committees, validate the deliverables and ensure compliance with the deadlines of the different phases of the Project
  • Prepare the reporting work on the bank's commitments to the Central Bank and international donors
  • Participate in quarterly portfolio shutdown meetings with the statutory auditors: the classification of commitments, the evaluation of guarantees and the calculation of the cost of risk.

Head of Restructuring Analysis

Tunisian-Kuwaiti Bank
07.2017 - 07.2021
  • In charge of framing and monitoring the bank's difficult and important files
  • To carry out the various missions, I performed the following functions: Recruitment and establishment of the Restructuring Files Analysis Unit
  • Define the action plan of the Restructuring Analysis department and manage the achievement of its objectives
  • Establish and implement the policy and procedures for the management and monitoring of Watch List files
  • Draft in-depth analyses with reasoned proposals on the files and present them for decision to the competent committees (Internal Credit Committee, Restructuring Committee, Classification Committee)
  • Prepare the secretariat of the WATCH LIST Committee and ensure correspondence with BPCE for non-delegated credit files of the bank's credit committee
  • Acting as Corporate Credit Risk Analysis Department (validate and comment on the analyses and present them to the relevant committees)
  • Contribute as a representative of the BTK to the modelling and implementation of the group's internal rating systems (oni for Corporate and ONORE for Retail) with BPCE Group Risk Management
  • Contribute to the development of the IFRS implementation strategic plan and its transmission: member of the project committee in charge of the restructuring and recovery part for BTK, AIL and the collection company ESTIFA
  • Participate in cross-functional projects of the central risk department (risk policy; delegated scheme, global risk mapping, etc.) and prepare quarterly WATCH LIST risk reporting to BPCE Group
  • Participate in quarterly portfolio shutdown meetings with the statutory auditors: Supervise the classification of watch list commitments, the evaluation of guarantees and the calculation of the cost of risk.

Credit Analyst

Tunisian-Kuwaiti Bank
01.2013 - 06.2017
  • In charge of studying and giving an opinion on credit applications (individuals, professionals, VSEs and companies) and assessing the risks related to their granting according to the bank's overall commercial and financial strategy and banking regulations
  • To carry out these various missions, I performed the following functions: Analyze, assess counterparty risks and issue a reasoned opinion on credit applications for all types of credits from the commercial network, leasing subsidiary and SICAR subsidiary, ensuring compliance with group and local risk policies, sector limits and delegations
  • Prepare and present credit applications to the relevant committees (internal credit committee, BPCE commitment committee, recovery committee)
  • In charge of sensitive and doubtful credit files of the recovery subsidiary
  • Ensure compliance with internal credit risk management policies and procedures as well as general operating standards of the bank
  • Proceed with the control of outstanding amounts, clustering, scoring and segmentation of financing requests submitted to the Internal Credit Committee and the BPCE Commitments Committee
  • Carry out sectoral analyses and contribute to the definition of sectoral boundaries
  • Assist and supervise junior credit analysts and interns
  • Propose and lead cross-functional improvement projects: Develop and edit models and analytical tools, and build a credit risk map.

Skills

  • Microsoft Office : Word, Excel, PowerPoint and Access
  • ERP and Global banking: NAVISION, DELTA, IMAL, PROLEASE, TEMENOS T24
  • Statistics software: E-Views, Stata, RATS

education

  • DESS Specialized Higher Education Diploma, Arab Maghreb Development Finance Institute, IFID– Tunisia, 2013-2014
  • Research Master's Degree in Banking, Finance and International Trade, Tunis Business School – Tunisia, 2010-2013
  • Bachelor Degree in Management: Finance, Tunis Business School – Tunisia, 2006-2010

languages

  • Arabic: Native
  • French: C1 Proficient Level (TEF Canada Test)
  • English: B2 Advanced Level (IELTS)
  • German: Currently in training (enrolled in A1 level)

Hobbies and Interests

Sports (football, swimming and running), playing chess, reading books and travelling, Joining social and environmental groups, getting involved with charities, and participating in fundraising events.

Timeline

Deputy to the Director of Global Risk Management

ENDA TAWMEEL
06.2023

Department Manager

Wifak International Bank
07.2021 - 06.2023

Head of Restructuring Analysis

Tunisian-Kuwaiti Bank
07.2017 - 07.2021

Credit Analyst

Tunisian-Kuwaiti Bank
01.2013 - 06.2017

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Gacem LAGHOUAN