STEPHANE FLAQUET

Consumer credit business developed in partnership with Bankinter, Spain’s fifth largest bank
260,000 clients for 270M€ of total outstanding

Responsible for all areas of Operations, IT, MIS & HR: Underwriting, Customer Service, Collections & Recoveries, Portfolio Management and Project Development
Team of ~225 FTE (25 internal and ~200 outsourced across 15 vendors)
Accountable for a €15M annual budget
Member of the Management Committee – Spain Business Risk Officer
Management of the relationships with Visa & Mastercard

Head of Account Management - 2005
Responsible for maximizing portfolio profitability through various programs such as balance build (24M€ additional outstanding generated in 2005), card usage incentives & cross-sells

Joint Venture Program Manager - Since Oct. 2004
Responsible for the creation and the implementation of a JV between Capital One and Bankinter
Coordination of all workstreams implied by the JV creation: Legal, Operations, HR, Finance…
Selection and set up of a fully outsourced card processing infrastructure (BPO)

Risk Operations Manager – 2002-04
Responsible for Collections, Recoveries & Fraud Analysis and Operations
Managing relationship and performance of 4 external agencies
Accountable for C&R results and credit loss budget target
Design and implement application & transaction fraud mitigation strategies
Reduce forward flow rates by 87% in 15 months

Portfolio Manager – 2002-04
Managing IT development budget & project prioritization process across all departments
Managing the project managers team
Project Management of the following initiatives: card embossing and welcome pack outsourcing, launch of Internet and SMS communication channels, PPI implementation…
Project manager for the 1st affinity program, jointly with a leading direct insurance company

Business Plan Lead – 2002-04
Responsible for the delivery of the 5 year business plans
Coordination of all workstreams : market valuation, strategy, financials…

Sector: Finance

Head of the Direct Marketing Group
Responsible for the delivery of the marketing plans : prioritization and feasibility study of the test plan, technical and operational constraints, resource planning, budget & campaigns execution across products and channels (creative development and production, production management, data processing, overall coordination)
Business plan targets met with 30,000 test accounts booked over the period

Senior Project Manager
Responsible for the delivery of large projects across the organization

Financial Analyst
Owner of the Business plan and various business profitability NPV models

Sector: Financial Services

Export Finance –– Paris Office - 1999
Junior in the Middle East & Africa team
Involved in various export finance syndicated loans with large French corporations backed up by Coface and other European credit insurance institutions

Project Finance –Paris Office - 1999
Junior in the Oil & Gas Group
Involved in two project finance deals for which Paribas acted as Lead-Arranger: USD 130M refinancing facility for Qatar Petrochemical Company (QAPCO) and USD 475M syndicated loan for Qatar Vinyl Company (QVC).

Corporate Banking – Abu Dhabi (UAE) Branch – 1996-99
Credit Officer (first as CSNE)
Complete management of a portfolio of 30 corporate clients, representing total facilities of around USD 120M, mainly in the trading, construction and oil & gas sectors: day to day client relationships, facility structuring, financial analysis, presentation to Credit Committee, review of legal documentations…

Sector: Banking

Sector: Certified Public Accounting