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Othman MESFIOUI RAJA is currently serving as the Global Head of Credit Risk at INFINIT. With previous experience at American Express and Banque PSA Finance, Othman has a strong background in credit risk management for both SMEs and medium/large segments in the French market. Othman is skilled in developing credit risk strategies, portfolio management, limit underwriting policy reviews, and implementing new underwriting methods. Additionally, Othman has experience in data-driven decision-making, identifying operational inefficiencies, and coordinating with various teams to drive business growth. With a Master's degree from NEOMA Business School and international exchange experience at Estonian Business School, Othman brings a diverse skill set to the table.