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Amine Ganfoudi is an experienced professional in credit risk management with a strong background in quantitative analytics and regulatory standards implementation. Currently serving as Head of Credit Risk Portfolio Management at Orange Bank since July 2020, Amine oversees the credit risk portfolio, manages IFRS9 ECL calculations, and leads cost of risk analysis. Previous roles include Senior Risk Manager at HSBC, where Amine contributed to IFRS9 implementation and monthly credit risk assessments, and Senior Credit Risk Manager at Groupe BPCE, focused on stress testing and methodology development for IFRS9. Amine began a career in credit risk analysis at BNP Paribas Personal Finance, developing statistical models and ensuring compliance with regulatory requirements. Educational qualifications include a Master’s degree in Engineering with a specialization in Applied Mathematics from Centrale Méditerranée.