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P3
Persona — Risk control
Karim — Risk Manager
Guardian of commitments · Go/No-Go vote · pilot of F95 credit scoring
Chain links operated
A2A3A5B2B3
Owns the pre-offer credit lock S41 / F95
Before
Before — Pain points
- Portfolio exposure tracked via fragile Excel macros
- No real-time consolidated view · manual re-assessment
- Risk of missing deadline alerts (termination, indexation)
- Artisanal or non-existent client credit scoring → massive exposures like the 2022 crisis
- F59 double mandate detection entirely manual
With the CRM
With the CRM — Gains
- F52 aggregated risk view · F64 contract scoring
- Proactive F15 alerts on all deadlines
- F95 / S41 industrialized pre-offer credit scoring (Go/No-Go lock)
- F59 + F60 automatic controls (double mandate, competitive bidding)
- Automated CRE report F63 (APER law · target 31/03)
Measurable added value
Measurable added value
100%
CRE audit coverage
0
missed deadline alerts
< 3 d
business credit scoring
1st default ROI
pays back on 1st default avoided