11/02/2024 updated

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100 % available

Data Analyst with Credit Risk experience

Clamart, France
Clamart +50 km
Master's degree in Financial Engineering
Clamart, France
Clamart +50 km
Master's degree in Financial Engineering

Profile attachments

nicolas_ardoint_241101_EN.pdf

Data AnalysisRegulatory ComplianceComputer ProgrammingCredit AnalysisData CollectionData VisualizationFinancial AnalysisGithubR (Programming Language)International Financial Reporting StandardsPython (Programming Language)Loss Given DefaultLoansPower BISAS (Software)SQL DatabasesStatisticsStructured FinanceTableau (Software)Modelling SkillsCredit RisksModel ValidationMatplotlibVba Programming Language
Data Analysis
Expertise in data sourcing, quantitative/inferential modelling, and processing using various tools and technologies.

Programming and Software
Proficiency in Excel, SAS, SQL, Python, R, VBA, and other data analysis tools like Matplotlib, Seaborn, and Streamlit.

Credit Risk Analysis
Extensive experience in IRBA modelling methodologies, practices, and loan portfolio credit analysis.

Data Visualization
Proficient use of Microsoft PowerBI, DAX, Tableau, and Github for collaborative work and data presentation.

Statistical Modelling
Experience in PD (Probability of Default) modelling, LGD (Loss Given Default), and EAD (Exposure at Default) models for credit risk assessment.

Regulatory Compliance
Knowledge of ECB (European Central Bank) requirements and experience in preparing models for regulatory approval.

Financial Analysis
Capability in bank rating models, structured finance, and IFRS 9 provisioning model validation.
 

Languages

EnglishFluentFrenchNative speaker

Project history

IRBA Retail PD Modelling - Reboot Program

BNP Paribas
Remediation of PD models for regulatory approval, data sourcing, record differentiation, and PD calibration. Coordinated junior consultants and worked with large datasets.

IRBA Retail Back-Testing and Extension Assessments

Société Générale
Updated and enhanced prudential PD and LGD models, performed back-testing analysis, and assessed BdDF prudential models extension to CdN's assets.

Bank Rating Model Overhaul

Natixis
Reviewed and adjusted bank rating application scope and criteria, sourced counterparty financial data, and delivered critical building blocks for test rescoring package.

IRBA Model Procedures Overhaul

RCI – Bank and Services (Renault group's financial captive)
Developed procedures for construction and maintenance of PD models, including segmentation, calibration, and back-test processes.

Credit Risk and IFRS 9 Provisioning Model Validation

BPCE
Reviewed prudential credit risk models and contributed to the understanding and appropriation of IFRS 9 depreciation models within the group.

Structured Finance Rating Analysis (Director)

Fitch Ratings Ltd
Assigned and maintained ratings on securitisations in RMBS and ABS areas across European countries. Overhauled and updated rating criteria for RMBS.

Certificates

Data Analyst

DataScientest

2024

PCAP - Certified Associate in Python Programming

Python Institute

2020


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