Case study
Credit risk steering on the personal loan portfolio
Context and objectives
Amid a change of shareholder, this French retail and private bank (several thousand employees, more than 200 branches) is embarking on a deep transformation: process optimisation, harmonised credit policies and stronger risk steering.
The risk department wants to take back control of its unsecured personal loan portfolio: better understand repayment behaviour, integrate regulatory changes and equip decision-making.
Assignment
A retail credit risk specialist, selected from the Bloomco community, works for 8 months within the risk department: statistical analysis of the portfolio's behaviour and performance, proposed changes to the origination strategy presented to leadership, construction of dynamic reporting (Python, SAS, Power BI) and integration of regulatory requirements into the steering models.
Results
- Monthly risk reporting automated in Power BI, adopted by leadership from the second month in place of manual extractions.
- Origination strategy adjustments validated by the risk committee, with an action plan tracked quarterly.
- Internal teams upskilled on the analysis tools, to sustain the set-up after the assignment.
Company profile
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