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<body>These awards serve as a testament to our unwavering commitment to act as a trusted partner, actively supporting our clients in their pursuit of energy transition ambitions. This also reaffirms CACIB’s leadership in the realm of sustainable finance, and highlights our exceptional expertise at successfully executing high-value and intricate deals that support the growth of our clients in Asia-Pacific.<grey-block>The annual IJGlobal Awards honours and celebrates greenfield and financing deals that closed in the calendar year across the globe in various sectors that collectively reflect infrastructure and energy, along with the organisations that made them happen.</grey-block><ul><li>Renewable Energy Deal of the Year: <a @href="https://www.ca-cib.com/en/news/financing-largest-offshore-wind-project-asia-pacific-date">Hai Long’s 1,022 MW offshore wind farm</a> (Taiwan) Our role: Mandated Lead Arranger and Bookrunner, FX Pre-hedging Bank, Hedging Bank, InterCreditor Agent, Commercial Facility Agent</li><li>Renewable Energy Deal of the Year – RTC:<a @href="https://www.ca-cib.com/en/news/largest-single-project-financing-facility-india-power-its-first-round-clock-renewable-energy"> ReNew Power round-the-clock (RTC) project combining onshore wind, solar and battery energy storage system</a> (India) Our role: Mandated Lead Arranger, Hedging Bank</li><li>Renewable Energy Deal of the Year – Offshore Wind: Jeonnam I’s 99 MW offshore wind farm (South Korea) Our role: Financial Advisor, Mandated Lead Arranger, Hedging Bank, Intercreditor Agent, Facility Agent, Offshore Security Agent</li><li>Power Deal of the Year – Hybrid: Keppel Corporation’s 600 MW combined cycle gas turbine plant transaction (Singapore) Our role: Mandated Lead Arranger, Hedging Bank, Technical and E&S Bank</li><li>Oil & Gas Deal of the Year – Decarbonisation: Project financing for the expansion of Pertamina’s Balikpapan refinery and supporting the cleaner transition by significantly reducing emissions through energy efficiency (Indonesia) Our role: Mandated Lead Arranger, Hedging Bank</li><li>Refinancing Deal of the Year – Onshore Wind: Project Typhoon 230 MW onshore wind portfolio (Taiwan) Our role: Mandated Lead Arranger, Hedging Bank</li><li>Refinance Deal of the Year – Renewables Portfolio: TILT Renewables A$1.5 billion refinancing and upsize (Australia) Our role: Mandated Lead Arranger</li><li>Refinance Deal of the Year – Data Centre: <a @href="https://airtrunk.com/airtrunks-a4-6billion-sustainability-linked-loan-sets-multiple-industry-benchmarks/">AirTrunk’s A$4.6 billion sustainability-linked loan</a> (Australia) Our role: Joint Sustainability Structuring Agent, Mandated Lead Arranger, Underwriter and Bookrunner</li><li>Sustainability-linked Loan – Data Centre: <a @href="https://www.digitaledgedc.com/news/digital-edge-secures-its-first-ever-green-loan-to-finance-the-development-of-south-koreas-largest-commercial-colocation-facility">Digital Edge’s green loan to support the first phase of its SEL 2 data centre project</a> (South Korea) Our role: Joint Green Loan Coordinators</li></ul><a @href="Quote1">Quote1</a><a @href="Quote2">Quote2</a></body>

<body>9 transactions supported by Crédit Agricole CIB in Asia-Pacific were awarded by Infrastructure Journal Global (IJGlobal) in several categories.</body>

Sweeping success in IJGlobal Asia Award for Crédit Agricole CIB clients

Client successes

<body>These awards serve as a testament to our unwavering commitment to act as a trusted partner, actively supporting our clients in their pursuit of energy transition ambitions. This also reaffirms CACIB’s leadership in the realm of sustainable finance, and highlights our exceptional expertise at successfully executing high-value and intricate deals that support the growth of our clients in Asia-Pacific.<grey-block>The annual IJGlobal Awards honours and celebrates greenfield and financing deals that closed in the calendar year across the globe in various sectors that collectively reflect infrastructure and energy, along with the organisations that made them happen.</grey-block><ul><li>Renewable Energy Deal of the Year: <a href="https://www.ca-cib.com/en/news/financing-largest-offshore-wind-project-asia-pacific-date">Hai Long’s 1,022 MW offshore wind farm</a> (Taiwan) Our role: Mandated Lead Arranger and Bookrunner, FX Pre-hedging Bank, Hedging Bank, InterCreditor Agent, Commercial Facility Agent</li><li>Renewable Energy Deal of the Year – RTC:<a href="https://www.ca-cib.com/en/news/largest-single-project-financing-facility-india-power-its-first-round-clock-renewable-energy"> ReNew Power round-the-clock (RTC) project combining onshore wind, solar and battery energy storage system</a> (India) Our role: Mandated Lead Arranger, Hedging Bank</li><li>Renewable Energy Deal of the Year – Offshore Wind: Jeonnam I’s 99 MW offshore wind farm (South Korea) Our role: Financial Advisor, Mandated Lead Arranger, Hedging Bank, Intercreditor Agent, Facility Agent, Offshore Security Agent</li><li>Power Deal of the Year – Hybrid: Keppel Corporation’s 600 MW combined cycle gas turbine plant transaction (Singapore) Our role: Mandated Lead Arranger, Hedging Bank, Technical and E&S Bank</li><li>Oil & Gas Deal of the Year – Decarbonisation: Project financing for the expansion of Pertamina’s Balikpapan refinery and supporting the cleaner transition by significantly reducing emissions through energy efficiency (Indonesia) Our role: Mandated Lead Arranger, Hedging Bank</li><li>Refinancing Deal of the Year – Onshore Wind: Project Typhoon 230 MW onshore wind portfolio (Taiwan) Our role: Mandated Lead Arranger, Hedging Bank</li><li>Refinance Deal of the Year – Renewables Portfolio: TILT Renewables A$1.5 billion refinancing and upsize (Australia) Our role: Mandated Lead Arranger</li><li>Refinance Deal of the Year – Data Centre: <a href="https://airtrunk.com/airtrunks-a4-6billion-sustainability-linked-loan-sets-multiple-industry-benchmarks/">AirTrunk’s A$4.6 billion sustainability-linked loan</a> (Australia) Our role: Joint Sustainability Structuring Agent, Mandated Lead Arranger, Underwriter and Bookrunner</li><li>Sustainability-linked Loan – Data Centre: <a href="https://www.digitaledgedc.com/news/digital-edge-secures-its-first-ever-green-loan-to-finance-the-development-of-south-koreas-largest-commercial-colocation-facility">Digital Edge’s green loan to support the first phase of its SEL 2 data centre project</a> (South Korea) Our role: Joint Green Loan Coordinators</li></ul><a href="Quote1">Quote1</a><a href="Quote2">Quote2</a></body>

<body>Over the next 3 years, IPlanet has an investment plan of over EUR 200 million to roll out the electric vehicle-charging infrastructure in the first 300 service stations. The transformation of the full portfolio is expected to be completed by 2032 and will facilitate a more sustainable mobility sector, in line with national and European guidelines.  This financing will support the roll-out of an electric vehicle (EV) charging network across a selected portfolio of approximately 500 existing IP’s service stations in Italy.  The project represents a pioneering transaction in the infrastructure project financing space and a landmark opportunity in the Italian EV fast changing market where IPlanet is amongst the first movers.  This transaction is in line with Crédit Agricole Group's ambitions to actively contribute to the world's energy transition and support the global effort towards carbon neutrality.<a @href="CIT1">CIT1</a><a @href="CIT2">CIT2</a></body>

<body>Crédit Agricole CIB acted as Mandated Lead Arranger and Hedging Bank as well as co-Sustainability Coordinator for IPlanet, a 50/50 joint venture of Macquarie Capital and IP specialised for the electrification of service areas on urban and suburban roads. Their objective is to become a multi-energy and multi-service hub meeting the different mobility needs of Italians. </body>

Crédit Agricole CIB closes the financing for IPlanet EV charging Network in Italy

<body>Over the next 3 years, IPlanet has an investment plan of over EUR 200 million to roll out the electric vehicle-charging infrastructure in the first 300 service stations. The transformation of the full portfolio is expected to be completed by 2032 and will facilitate a more sustainable mobility sector, in line with national and European guidelines.  This financing will support the roll-out of an electric vehicle (EV) charging network across a selected portfolio of approximately 500 existing IP’s service stations in Italy.  The project represents a pioneering transaction in the infrastructure project financing space and a landmark opportunity in the Italian EV fast changing market where IPlanet is amongst the first movers.  This transaction is in line with Crédit Agricole Group's ambitions to actively contribute to the world's energy transition and support the global effort towards carbon neutrality.<a href="CIT1">CIT1</a><a href="CIT2">CIT2</a></body>

Strategy

Crédit Agricole CIB appoints Laurent Potin as Chief Executive Officer for Taipei Branch

Crédit Agricole CIB appoints Giliane Cœurderoy Senior Country Officer for Brazil

Green finance

Employees’ voices

Watch the #ClimateChallenge video series!

<body><h2>What are the roles of the legal function?</h2>Its main roles are various:<ul><li>to control legal risk within the Bank under the conditions set out in the Order of 3 November 2014, as amended by the Order of 25 February 2021,</li><li>to provide the Bank’s General Management and cross-company departments/functions with the legal support necessary to enable them to carry out their activities while minimising legal risks</li><li>be responsible for the mandate and management of the relationship with the Bank’s external advisors</li><li>the implementation of an alert process in the event of a negative opinion or an opinion with reservations concerning the conducting of a transaction</li></ul><img @alt="chiffres" @class="align-center" @data-entity-type="file" @data-entity-uuid="76a45db4-4d1c-4dc3-9cce-b0597f693af8" @src="https://www.ca-cib.com/sites/default/files/inline-images/Capture2-EN.PNG"></img> <div @class="body-description"><div><h2>Why was this video made?</h2>The purpose of this video is to highlight the expertise provided by the legal function with a focus on the part related to market activities.The idea was also to show that a lawyer can enjoy international development opportunities even if the language and law are different. The legal function is an essential part of the Bank’s operations and offers interesting career prospects.</div></div>
, <div @class="body-description"><div><h2>Learn about Benoît Delahaye, who tells us about his experience within the Legal Department at Crédit Agricole CIB</h2>
Benoît Delahaye has several years of experience within the legal function in France and abroad. His career path is a great example of mobility and offers a view of the range of possible occupations.<div @class="video-embed-field-responsive-video"><iframe @allowfullscreen="allowfullscreen" @frameborder="0" @height="480" @src="https://www.youtube.com/embed/yOpwJpW0qVM?autoplay=0&start=0&rel=0" @width="854"></iframe></div></div></div></body>

<body>Find out more about Crédit Agricole CIB’s legal function with Benoît Delahaye, head of the “Paris-London master agreements” team who shares his experience.</body>

<body>Find out more about the Legal Department within the Bank</body>

<body><h2>What are the roles of the legal function?</h2>Its main roles are various:<ul><li>to control legal risk within the Bank under the conditions set out in the Order of 3 November 2014, as amended by the Order of 25 February 2021,</li><li>to provide the Bank’s General Management and cross-company departments/functions with the legal support necessary to enable them to carry out their activities while minimising legal risks</li><li>be responsible for the mandate and management of the relationship with the Bank’s external advisors</li><li>the implementation of an alert process in the event of a negative opinion or an opinion with reservations concerning the conducting of a transaction</li></ul><img alt="chiffres" class="align-center" data-entity-type="file" data-entity-uuid="76a45db4-4d1c-4dc3-9cce-b0597f693af8" src="https://www.ca-cib.com/sites/default/files/inline-images/Capture2-EN.PNG"></img> <div class="body-description"><div><h2>Why was this video made?</h2>The purpose of this video is to highlight the expertise provided by the legal function with a focus on the part related to market activities.The idea was also to show that a lawyer can enjoy international development opportunities even if the language and law are different. The legal function is an essential part of the Bank’s operations and offers interesting career prospects.</div></div>
, <div class="body-description"><div><h2>Learn about Benoît Delahaye, who tells us about his experience within the Legal Department at Crédit Agricole CIB</h2>
Benoît Delahaye has several years of experience within the legal function in France and abroad. His career path is a great example of mobility and offers a view of the range of possible occupations.<div class="video-embed-field-responsive-video"><iframe allowfullscreen="allowfullscreen" frameborder="0" height="480" src="https://www.youtube.com/embed/yOpwJpW0qVM?autoplay=0&start=0&rel=0" width="854"></iframe></div></div></div></body>

Find out more about the Legal Department within the Bank

<body><img @alt="Photo de Ivan Capin" @class="align-left" @data-entity-type="file" @data-entity-uuid="b3f87736-454f-43b9-bf08-aadeb5ac8d76" @src="https://www.ca-cib.com/sites/default/files/inline-images/Ivan-Capin-321-425.png"></img>“I’m Ivan Capin and I’m a data scientist at the Crédit Agricole CIB Information Systems Department.” What does your job involve? Ivan Capin: Data scientists are responsible for managing, analysing and using data to optimise a company’s products and services.I’m currently working on a project to redesign the IT tools used to manage risk calculations at Crédit Agricole CIB. This is an extremely sensitive issue as the reports we produce are sent to institutions such as the European Central Bank. It is also extremely complex, as we work with a substantial volume of data, i.e. big data. I also contribute to proof of concepts (PoCs)* and cross-functional communities aimed at testing and validating the application of new technologies in finance, including the blockchain, artificial intelligence and quantum computing.* PoCs are trials carried out to test one or more solutions and demonstrate feasibility.How did you become a data scientist?Ivan C.: My career has been somewhat atypical. After studying mathematics and cognitive sciences, I worked in video games and then in finance for 15 years, as an IT developer and project manager specialised in algorithmic trading. I then took a sabbatical year to obtain my Master diploma in Big Data and returned to Crédit Agricole CIB to work on big data projects as a data scientist.What are the career evolution prospects for data scientists? Ivan C.: Depending on your skills and the opportunities, you can evolve towards management or expert positions (at IT or another department) that are increasingly prestigious and in demand.Do you need special skills to be a data scientist?Ivan C.: Data scientists definitely need extremely solid “baggage” in mathematics and programming. At the Bank, the profession closest to data scientist is IT quant.Can you describe a regular day?Ivan C.: We work in agile mode, so I’ll tell you more about typical iterations than regular days. We work in three-week iterations consisting of periods of planning, analysis and dialogue with various business lines, as well as solution testing and the initiation of production.Which technologies do you use to handle this complexity?Ivan C.: We ingest several terabytes a week in a Hadoop data lake. The data comes from our front-office systems (used by traders) and our calculation grids via Kafka. Decisional analysis is carried out in OLAP cubes and data visualisation in Tableau or UIs developed on a bespoke basis. Continuous implementation is performed with Kubernetes and some production launches are carried out just like at Google!Do you get to dialogue with other experts?Ivan C.: Along with increasingly pinpointed training courses, we have several communities for informing ourselves, talking with experts and keeping abreast of the use of new technologies at the Group. For example, we have communities on artificial intelligence, machine learning, smart data, the blockchain, quantum computing and Dataiku Power BI.What would you say to a student looking to join Crédit Agricole CIB as a data scientist? Ivan C.: At Crédit Agricole CIB, we have strategic projects harnessing leading-edge technologies for processing financial data. It is an ideal environment for a young data scientist or big data engineer. 
 <hr></hr> Check out all our job offers on <a @href="https://jobs.ca-cib.com" @target="_blank">our careers website</a>. Stay tuned for more news from the data science communities at Crédit Agricole CIB!</body>

<body>Ivan Capin, a data scientist at Crédit Agricole CIB’s Information Systems Department, talks about his career and daily work.</body>

<body>Employee Portraits – Ivan Capin, Data Scientist</body>

<body><img alt="Photo de Ivan Capin" class="align-left" data-entity-type="file" data-entity-uuid="b3f87736-454f-43b9-bf08-aadeb5ac8d76" src="https://www.ca-cib.com/sites/default/files/inline-images/Ivan-Capin-321-425.png"></img>“I’m Ivan Capin and I’m a data scientist at the Crédit Agricole CIB Information Systems Department.” What does your job involve? Ivan Capin: Data scientists are responsible for managing, analysing and using data to optimise a company’s products and services.I’m currently working on a project to redesign the IT tools used to manage risk calculations at Crédit Agricole CIB. This is an extremely sensitive issue as the reports we produce are sent to institutions such as the European Central Bank. It is also extremely complex, as we work with a substantial volume of data, i.e. big data. I also contribute to proof of concepts (PoCs)* and cross-functional communities aimed at testing and validating the application of new technologies in finance, including the blockchain, artificial intelligence and quantum computing.* PoCs are trials carried out to test one or more solutions and demonstrate feasibility.How did you become a data scientist?Ivan C.: My career has been somewhat atypical. After studying mathematics and cognitive sciences, I worked in video games and then in finance for 15 years, as an IT developer and project manager specialised in algorithmic trading. I then took a sabbatical year to obtain my Master diploma in Big Data and returned to Crédit Agricole CIB to work on big data projects as a data scientist.What are the career evolution prospects for data scientists? Ivan C.: Depending on your skills and the opportunities, you can evolve towards management or expert positions (at IT or another department) that are increasingly prestigious and in demand.Do you need special skills to be a data scientist?Ivan C.: Data scientists definitely need extremely solid “baggage” in mathematics and programming. At the Bank, the profession closest to data scientist is IT quant.Can you describe a regular day?Ivan C.: We work in agile mode, so I’ll tell you more about typical iterations than regular days. We work in three-week iterations consisting of periods of planning, analysis and dialogue with various business lines, as well as solution testing and the initiation of production.Which technologies do you use to handle this complexity?Ivan C.: We ingest several terabytes a week in a Hadoop data lake. The data comes from our front-office systems (used by traders) and our calculation grids via Kafka. Decisional analysis is carried out in OLAP cubes and data visualisation in Tableau or UIs developed on a bespoke basis. Continuous implementation is performed with Kubernetes and some production launches are carried out just like at Google!Do you get to dialogue with other experts?Ivan C.: Along with increasingly pinpointed training courses, we have several communities for informing ourselves, talking with experts and keeping abreast of the use of new technologies at the Group. For example, we have communities on artificial intelligence, machine learning, smart data, the blockchain, quantum computing and Dataiku Power BI.What would you say to a student looking to join Crédit Agricole CIB as a data scientist? Ivan C.: At Crédit Agricole CIB, we have strategic projects harnessing leading-edge technologies for processing financial data. It is an ideal environment for a young data scientist or big data engineer. 
 <hr></hr> Check out all our job offers on <a href="https://jobs.ca-cib.com" target="_blank">our careers website</a>. Stay tuned for more news from the data science communities at Crédit Agricole CIB!</body>

Employee Portraits – Ivan Capin, Data Scientist

<body><img @alt="Photo d'Anne-Laure Cochet" @class="align-left" @data-entity-type="file" @data-entity-uuid="e7f7b09a-6f2c-42f8-b11e-ea69b6031b56" @src="https://www.ca-cib.com/sites/default/files/inline-images/Anne-Laure-Cochet-321-425.png"></img>“I’m responsible for the “PRICE” pre-trade platform at the Capital Markets IT Department of Crédit Agricole CIB.”Can you tell us how this project originated?Anne-Laure Cochet: The project is based on an idea co-built by the business line and IT to provide the sales and trader teams with a new pre-trade tool for digitalising negotiation.Currently, part of the trading on non-linear interest rate derivatives is carried out via spoken word and controls are performed using multiple screens. Also, the ability to bring clients the best possible service is vital to maintaining and expanding our product franchise. With the MiFID II regulation, we have too a pre-trade transparency obligation relative to the price we announce to our clients. So, we need a tool ensuring a better time to market to respond to our clients and an audit trail to respond to the requirements of regulatory bodies.To launch implementation and quickly approve feasibility, myself and two other employees carried out a minimum viable product (MVP) process over a two-month period. The MVP is an initial version of the application with a limited range of functionalities. It serves to quickly obtain feedback from users and put a deliverable version into production. What were the strong points of this organisational approach for the rest of the project?Anne-Laure C.: This initial project phase served to approve the architecture of the solution and construct the building blocks necessary for the launch of our pre-trade application. By focusing from the very start on the security and automation of the continuous integration, continuous distribution and continuous implementation phases (CI/CD pipeline), we are now able to concentrate on adding business-line value through a better time to market. A new version of the application can be put into production in a single click and in under three minutes.Our back-end is based on the development of application programming interfaces (REST API) aimed at making precise business-line data available in a secure manner. In this way we can build variants of the application at lower development costs responding to the specific characteristics of each user population by providing them with the data relevant to their work. It’s a bit like playing with Lego©.Can you describe a regular day?Anne-Laure C.: The advantage of our business lines and activity sector is that no two days are alike. There is no routine, which makes our daily work more stimulating.We have a daily meeting with all the members of our team. This is a key moment for identifying obstacles, reasserting priorities and, where necessary, making decisions on topics subsequent to new developments. We have a backlog, co-built with our product owner, including all the requests for the development of new functionalities and the monitoring of our technical debt. We work on a two-week iteration basis (sprint) comprising the specification, development, test, user-demonstration and production-launch phases.I’m also in charge of monitoring the budget, hiring new staff and supporting them, as well as the stability and quality of production.Do you need special skills to be a head of application?Anne-Laure C.: The objective of our delivery team is to be as independent as possible in our domain area and to support our product. One of the main duties of a head of application is being a “scrum master”, serving as the coordinator of the team. I don’t directly solve problems, but I try to help the team to search for and identify solutions. One of the skills of a scrum master is being attentive and listening to others with a view to facilitating everyone’s daily work. They also need to communicate and clearly explain the aims of the project and management to the team. They partner the business line by working transparently with the product owner on the advancement, difficulties and solutions implemented in software craftsmanship standards, while complying with IT security requirements.Why Crédit Agricole CIB?Anne-Laure C.: One of Crédit Agricole CIB’s values is placing people at the heart of the company. In the various projects I have led or taken part in, the priority with my peers has been on collaborative work and mutual assistance aimed at finding solutions together.Crédit Agricole CIB is also an international company present on several continents, offering the possibility of an international career. I had the chance to work in New York and Singapore at our development factory. We also make other business trips from time to time. Before the pandemic, I travelled to our premises in Tokyo and, more frequently, those in London.What would you say to someone looking to join the Crédit Agricole CIB Information Systems Department?Anne-Laure C.: Careers at IT, without being a developer, can be fascinating. You need to be strong on analysis and making connections. Good dialogue and cross-functional skills are also essential. I think that if you like to solve problems, are curious, and naturally propose new ideas, then you will find a fulfilling professional environment at our department!----------------------------------------------------- Check out all our job offers on <a @href="https://jobs.ca-cib.com" @target="_blank">our careers website</a>. Stay tuned for more news from Crédit Agricole CIB’s data science communities!</body>

<body>Anne-Laure Cochet, Head of Application at Crédit Agricole CIB’s Information Systems Department, talks about the launch of a new project to digitalise the negotiation phases between sales & traders.</body>

<body>Employee Portraits – Anne-Laure Cochet, Head of Application</body>

<body><img alt="Photo d'Anne-Laure Cochet" class="align-left" data-entity-type="file" data-entity-uuid="e7f7b09a-6f2c-42f8-b11e-ea69b6031b56" src="https://www.ca-cib.com/sites/default/files/inline-images/Anne-Laure-Cochet-321-425.png"></img>“I’m responsible for the “PRICE” pre-trade platform at the Capital Markets IT Department of Crédit Agricole CIB.”Can you tell us how this project originated?Anne-Laure Cochet: The project is based on an idea co-built by the business line and IT to provide the sales and trader teams with a new pre-trade tool for digitalising negotiation.Currently, part of the trading on non-linear interest rate derivatives is carried out via spoken word and controls are performed using multiple screens. Also, the ability to bring clients the best possible service is vital to maintaining and expanding our product franchise. With the MiFID II regulation, we have too a pre-trade transparency obligation relative to the price we announce to our clients. So, we need a tool ensuring a better time to market to respond to our clients and an audit trail to respond to the requirements of regulatory bodies.To launch implementation and quickly approve feasibility, myself and two other employees carried out a minimum viable product (MVP) process over a two-month period. The MVP is an initial version of the application with a limited range of functionalities. It serves to quickly obtain feedback from users and put a deliverable version into production. What were the strong points of this organisational approach for the rest of the project?Anne-Laure C.: This initial project phase served to approve the architecture of the solution and construct the building blocks necessary for the launch of our pre-trade application. By focusing from the very start on the security and automation of the continuous integration, continuous distribution and continuous implementation phases (CI/CD pipeline), we are now able to concentrate on adding business-line value through a better time to market. A new version of the application can be put into production in a single click and in under three minutes.Our back-end is based on the development of application programming interfaces (REST API) aimed at making precise business-line data available in a secure manner. In this way we can build variants of the application at lower development costs responding to the specific characteristics of each user population by providing them with the data relevant to their work. It’s a bit like playing with Lego©.Can you describe a regular day?Anne-Laure C.: The advantage of our business lines and activity sector is that no two days are alike. There is no routine, which makes our daily work more stimulating.We have a daily meeting with all the members of our team. This is a key moment for identifying obstacles, reasserting priorities and, where necessary, making decisions on topics subsequent to new developments. We have a backlog, co-built with our product owner, including all the requests for the development of new functionalities and the monitoring of our technical debt. We work on a two-week iteration basis (sprint) comprising the specification, development, test, user-demonstration and production-launch phases.I’m also in charge of monitoring the budget, hiring new staff and supporting them, as well as the stability and quality of production.Do you need special skills to be a head of application?Anne-Laure C.: The objective of our delivery team is to be as independent as possible in our domain area and to support our product. One of the main duties of a head of application is being a “scrum master”, serving as the coordinator of the team. I don’t directly solve problems, but I try to help the team to search for and identify solutions. One of the skills of a scrum master is being attentive and listening to others with a view to facilitating everyone’s daily work. They also need to communicate and clearly explain the aims of the project and management to the team. They partner the business line by working transparently with the product owner on the advancement, difficulties and solutions implemented in software craftsmanship standards, while complying with IT security requirements.Why Crédit Agricole CIB?Anne-Laure C.: One of Crédit Agricole CIB’s values is placing people at the heart of the company. In the various projects I have led or taken part in, the priority with my peers has been on collaborative work and mutual assistance aimed at finding solutions together.Crédit Agricole CIB is also an international company present on several continents, offering the possibility of an international career. I had the chance to work in New York and Singapore at our development factory. We also make other business trips from time to time. Before the pandemic, I travelled to our premises in Tokyo and, more frequently, those in London.What would you say to someone looking to join the Crédit Agricole CIB Information Systems Department?Anne-Laure C.: Careers at IT, without being a developer, can be fascinating. You need to be strong on analysis and making connections. Good dialogue and cross-functional skills are also essential. I think that if you like to solve problems, are curious, and naturally propose new ideas, then you will find a fulfilling professional environment at our department!----------------------------------------------------- Check out all our job offers on <a href="https://jobs.ca-cib.com" target="_blank">our careers website</a>. Stay tuned for more news from Crédit Agricole CIB’s data science communities!</body>

Employee Portraits – Anne-Laure Cochet, Head of Application

<body><img @alt="Hermine Colin" @class="align-left" @data-entity-type="file" @data-entity-uuid="cdd2162a-f337-4a91-b118-5752ad907f91" @src="https://www.ca-cib.com/sites/default/files/inline-images/Hermine-Colin-321-425.png"></img>“My name is Hermine Colin and I’m Head of Architecture at Crédit Agricole CIB, working within the Information Systems department.”What does your job involve?Hermine Colin: Think of an information system as a big city, where each part of the system is a neighbourhood and each application a house. My job is to make sure everything fits together as harmoniously as possible.Our goal is to build the ideal city and make sure all work in progress and each of our projects helps us advance towards this goal without causing any disasters in terms of overall urban development. You could say Heads of Architecture are the Bank’s answer to Haussmann, who famously oversaw urban development in Paris in the late 19th century.How did you come to be Head of Enterprise Architecture?Hermine C.: It’s not something I set my heart on as a child! I started out at business school and then spent a few years working for a consulting firm. 
While I was on assignment at Crédit Agricole CIB I was won over by the idea of building the Bank as though it was a city, ensuring consistency at multiple levels (processes, functions, applications, infrastructure, data and so on).After three years learning the ropes as a team member, I had the opportunity to head up the team, which is made up of about ten people. Why Crédit Agricole CIB?Hermine C.: The general public has little awareness of this part of the Bank. Its clients are not individuals like you and me, but large corporates, often multinationals. We help them finance their day-to-day operations, major projects and sometimes acquisitions. I’m fascinated by all these specialised activities, which are critical to the smooth running of the global economy. What about career prospects?Hermine C.: In the few years I’ve been here, I’ve already been able to reach management level.  
Every day, I’m lucky enough to be able to see everything that’s changing in this “city” that is the Bank. That gives me opportunities to understand new specialised business areas and explore new ways of building systems. Thanks to this high-level view, I’m able to constantly grow my network and take advantage of development opportunities on both the business and the IT side.Are there any particular qualities a Head of Enterprise Architecture needs to have?Hermine C.: As in any role, the main thing is to be motivated and to want to add value to the business. You have to be able to take a step back and think outside the box. Beyond that, you need a healthy mix of banking, IT and architectural skills, not forgetting what might be the most important of all – social skills and a listening ear. It simply isn’t possible to know everything about everything, so it’s vital to be able to bring together the right experts and get them talking and sparking ideas. Could you describe what a typical day looks like for you?Hermine C.: There’s not much that’s routine about this job; while every day is different, they’re all busy and each one brings new challenges. That said, there are a few constants: first, there are some things you have to do to build a general framework, a vision of the city that allows everyone to build their house while abiding by safety and security regulations; and second, you have to provide advice and assistance on some projects. And sometimes, when somebody’s built a house in the wrong place, you have to put your inspector’s hat on!What would you say to someone looking to join Crédit Agricole CIB as an enterprise architect?Hermine C.: It’s a little known job but one that’s becoming increasingly necessary and sought after! It’s a great way to quickly gain an overview of the Bank and how it works and have regular contact with top management. Come and build the city of the future at Crédit Agricole CIB! 
 <hr></hr> Check out all our job offers on <a @href="https://jobs.ca-cib.com" @target="_blank">our careers website</a>. Stay tuned for more news from Crédit Agricole CIB’s data science communities!</body>

<body>Hermine Colin, Head of Enterprise Architecture within Crédit Agricole CIB’s Information Systems department, talks about her career so far and her day-to-day responsibilities.</body>

<body>Employee Portraits – Hermine Colin, Head of Enterprise Architecture</body>

<body><img alt="Hermine Colin" class="align-left" data-entity-type="file" data-entity-uuid="cdd2162a-f337-4a91-b118-5752ad907f91" src="https://www.ca-cib.com/sites/default/files/inline-images/Hermine-Colin-321-425.png"></img>“My name is Hermine Colin and I’m Head of Architecture at Crédit Agricole CIB, working within the Information Systems department.”What does your job involve?Hermine Colin: Think of an information system as a big city, where each part of the system is a neighbourhood and each application a house. My job is to make sure everything fits together as harmoniously as possible.Our goal is to build the ideal city and make sure all work in progress and each of our projects helps us advance towards this goal without causing any disasters in terms of overall urban development. You could say Heads of Architecture are the Bank’s answer to Haussmann, who famously oversaw urban development in Paris in the late 19th century.How did you come to be Head of Enterprise Architecture?Hermine C.: It’s not something I set my heart on as a child! I started out at business school and then spent a few years working for a consulting firm. 
While I was on assignment at Crédit Agricole CIB I was won over by the idea of building the Bank as though it was a city, ensuring consistency at multiple levels (processes, functions, applications, infrastructure, data and so on).After three years learning the ropes as a team member, I had the opportunity to head up the team, which is made up of about ten people. Why Crédit Agricole CIB?Hermine C.: The general public has little awareness of this part of the Bank. Its clients are not individuals like you and me, but large corporates, often multinationals. We help them finance their day-to-day operations, major projects and sometimes acquisitions. I’m fascinated by all these specialised activities, which are critical to the smooth running of the global economy. What about career prospects?Hermine C.: In the few years I’ve been here, I’ve already been able to reach management level.  
Every day, I’m lucky enough to be able to see everything that’s changing in this “city” that is the Bank. That gives me opportunities to understand new specialised business areas and explore new ways of building systems. Thanks to this high-level view, I’m able to constantly grow my network and take advantage of development opportunities on both the business and the IT side.Are there any particular qualities a Head of Enterprise Architecture needs to have?Hermine C.: As in any role, the main thing is to be motivated and to want to add value to the business. You have to be able to take a step back and think outside the box. Beyond that, you need a healthy mix of banking, IT and architectural skills, not forgetting what might be the most important of all – social skills and a listening ear. It simply isn’t possible to know everything about everything, so it’s vital to be able to bring together the right experts and get them talking and sparking ideas. Could you describe what a typical day looks like for you?Hermine C.: There’s not much that’s routine about this job; while every day is different, they’re all busy and each one brings new challenges. That said, there are a few constants: first, there are some things you have to do to build a general framework, a vision of the city that allows everyone to build their house while abiding by safety and security regulations; and second, you have to provide advice and assistance on some projects. And sometimes, when somebody’s built a house in the wrong place, you have to put your inspector’s hat on!What would you say to someone looking to join Crédit Agricole CIB as an enterprise architect?Hermine C.: It’s a little known job but one that’s becoming increasingly necessary and sought after! It’s a great way to quickly gain an overview of the Bank and how it works and have regular contact with top management. Come and build the city of the future at Crédit Agricole CIB! 
 <hr></hr> Check out all our job offers on <a href="https://jobs.ca-cib.com" target="_blank">our careers website</a>. Stay tuned for more news from Crédit Agricole CIB’s data science communities!</body>

Employee Portraits – Hermine Colin, Head of Enterprise Architecture

<body><img @alt="Portrait de Théophile Walter" @class="align-left" @data-entity-type="file" @data-entity-uuid="ee402aa7-fab9-4779-b46b-07116f5e55fa" @height="376" @src="https://www.ca-cib.com/sites/default/files/inline-images/Marie-Rakotopara-321-425.png" @width="284"></img>“I’m Théophile Walter and I work as a Big Data developer within Crédit Agricole CIB's Information Systems department.” What does your job involve? Théophile Walter: I work on the development of big data applications, including research on and the development of client needs, as well as solution design and proposals.Can you tell us about your career?T. Walter: I started out with a high-school diploma in science and a Bachelor’s degree in Computer Science and then went on to obtain my Master’s in Big Data on a work/study basis. I did a two-year work/study programme at Crédit Agricole CIB, where I was hired after obtaining my Master’s.Why Crédit Agricole CIB?T. Walter: I didn’t know anything about the banking and finance sector when I started my work/study programme at Crédit Agricole CIB. During my Master’s, I discovered an extremely varied environment and topics. We are provided with all the resources for working on data with new solutions.  What about career prospects?T. Walter: Several career paths are possible, obviously depending on my goals and on opportunities. You can specialise and become an expert on certain technologies, so you can dialogue with other teams and familiarise them on these technologies. Others prefer to focus on project management and management.Does your profession call for specific expertise?T. Walter: I think you need a logical mindset because some complex problems, algorithms in particular, call for extensive thinking to find the right response to a need, notably in terms of performance optimisation.Could you describe a typical day for us?T. Walter: A typical day generally involves the development of tools for managing and calculating market risks. Depending on the phase, this consists of dialogue with business analysts, code designers and architects on the design of the report. Then there’s development in itself, as well as tests to make sure the report fully responds to objectives. I also work on following up and correcting any potential production issues. What technologies do you work with? T. Walter: The data used in our reports is stored in a data lake at a Hadoop cluster. We use Spark in Java and Python to make the distributed calculations and manage data flows with Kafka. We also use Jenkins for the automated management of tests and continuous integration.On a daily basis, do you have the opportunity to familiarise yourself with new technologies?T. Walter: Crédit Agricole CIB gives you many opportunities to learn about new technologies, frequently organising conferences with talks by experts. Online training is available on a broad range of subjects. We also have a community of developers that organises events where you can meet with a diverse set of individuals and find out about technologies other than the ones you use in your work.What would you say to a student looking to join Crédit Agricole CIB as a big data developer?T. Walter: You need sound knowledge of big data environments, as an understanding of the way the various components interact is crucial for effectively developing optimised applications.Any particular anecdotes? T. Walter: More a pleasant memory. When I took part in the best developer in France contest with the Crédit Agricole team, I met with developers from across the group and LCL, talked with them and went through to the final with some of my colleagues. It was a fantastic day! 
 <hr></hr> Check out all our job offers on <a @href="https://jobs.ca-cib.com" @target="_blank">our careers website</a>. See you soon in Crédit Agricole CIB's data science communities! </body>

<body>Théophile Walter, Big Data developer at Crédit Agricole CIB’s Information Systems department, talks about his career and daily work.</body>

<body>Employee Portraits – Théophile Walter, Big Data Developer</body>

<body><img alt="Portrait de Théophile Walter" class="align-left" data-entity-type="file" data-entity-uuid="ee402aa7-fab9-4779-b46b-07116f5e55fa" height="376" src="https://www.ca-cib.com/sites/default/files/inline-images/Marie-Rakotopara-321-425.png" width="284"></img>“I’m Théophile Walter and I work as a Big Data developer within Crédit Agricole CIB's Information Systems department.” What does your job involve? Théophile Walter: I work on the development of big data applications, including research on and the development of client needs, as well as solution design and proposals.Can you tell us about your career?T. Walter: I started out with a high-school diploma in science and a Bachelor’s degree in Computer Science and then went on to obtain my Master’s in Big Data on a work/study basis. I did a two-year work/study programme at Crédit Agricole CIB, where I was hired after obtaining my Master’s.Why Crédit Agricole CIB?T. Walter: I didn’t know anything about the banking and finance sector when I started my work/study programme at Crédit Agricole CIB. During my Master’s, I discovered an extremely varied environment and topics. We are provided with all the resources for working on data with new solutions.  What about career prospects?T. Walter: Several career paths are possible, obviously depending on my goals and on opportunities. You can specialise and become an expert on certain technologies, so you can dialogue with other teams and familiarise them on these technologies. Others prefer to focus on project management and management.Does your profession call for specific expertise?T. Walter: I think you need a logical mindset because some complex problems, algorithms in particular, call for extensive thinking to find the right response to a need, notably in terms of performance optimisation.Could you describe a typical day for us?T. Walter: A typical day generally involves the development of tools for managing and calculating market risks. Depending on the phase, this consists of dialogue with business analysts, code designers and architects on the design of the report. Then there’s development in itself, as well as tests to make sure the report fully responds to objectives. I also work on following up and correcting any potential production issues. What technologies do you work with? T. Walter: The data used in our reports is stored in a data lake at a Hadoop cluster. We use Spark in Java and Python to make the distributed calculations and manage data flows with Kafka. We also use Jenkins for the automated management of tests and continuous integration.On a daily basis, do you have the opportunity to familiarise yourself with new technologies?T. Walter: Crédit Agricole CIB gives you many opportunities to learn about new technologies, frequently organising conferences with talks by experts. Online training is available on a broad range of subjects. We also have a community of developers that organises events where you can meet with a diverse set of individuals and find out about technologies other than the ones you use in your work.What would you say to a student looking to join Crédit Agricole CIB as a big data developer?T. Walter: You need sound knowledge of big data environments, as an understanding of the way the various components interact is crucial for effectively developing optimised applications.Any particular anecdotes? T. Walter: More a pleasant memory. When I took part in the best developer in France contest with the Crédit Agricole team, I met with developers from across the group and LCL, talked with them and went through to the final with some of my colleagues. It was a fantastic day! 
 <hr></hr> Check out all our job offers on <a href="https://jobs.ca-cib.com" target="_blank">our careers website</a>. See you soon in Crédit Agricole CIB's data science communities! </body>

Employee Portraits – Théophile Walter, Big Data Developer

<body><img @alt="Photo de Marie Rakotopara" @class="align-left" @data-entity-type="file" @data-entity-uuid="437cb229-3064-48e9-acf7-08c568414270" @src="https://www.ca-cib.com/sites/default/files/inline-images/Marie-Rakotopara-349-462.png"></img>"Within the IT team in charge of Crédit Agricole CIB’s compliance tools, I manage innovative projects (Artificial Intelligence, Datavisualisation, chatbots, ...). My role is to ensure the projects move forward with the quality expected by the business. I interact on a daily basis with Compliance, development teams in Singapore, and with other IT teams who help us with our projects.I rely on the knowledge and experience of my compliance IT colleagues and my managers who are there to help me if necessary. I also play an advisory role by conveying to the project teams the views of IT on architecture, security and urbanisation.I participate in budget monitoring by following consumption as the project advances and by sending alerts if necessary."Can you describe the job of an IT innovation Project manager?Marie Rakotopara: Innovative projects cannot be conducted in the same way as classic projects. They are sometimes uncertain and unpredictable. Being creative, questioning and listening are therefore important to imagine the solutions best adapted to the needs of Compliance.My role is also to create a healthy and pleasant environment where team spirit can thrive. This is essential in general and even more so with innovative projects. I must also gain the trust of final users who will be the ambassadors of the new tool that will be created.In a multi-disciplinary and multi-cultural environment, it is important to understand the various profiles in order to adapt written and oral communication.What are the highlights of your job throughout the year?Marie R.: The year is governed by the scheduling of our projects. We are very busy when new projects are launched, when a new team needs to be set up, with members who do not necessarily know each other, and when we must imagine together a new target vision and organise our daily lives.Later, when the project is delivered, the final users see the materialisation of the needs they expressed several months beforehand, and their job or everyday life is improved by the new tool we built with them. We usually celebrate this launch by a friendly lunch or a drink with all the team members who were involved in the project.During the second part of the year, time is set aside with other project managers and the business line to define the list of issues for the next year, to quantify them and to schedule them in order to create the roadmap for the following year.Could you describe a typical day?Marie R.: According to the progress of each project I make sure that the whole project team has everything needed to conduct the ongoing work, I answer questions to resolve complicated situations, I run meetings to summarise the situation for management and take part in brainstorming workshops. I communicate daily with people on site, and remotely with development teams in Asia, and with users located in our subsidiaries, in London in particular.I don't spend all my time in meetings, and am sometimes on my own, working on the written and concrete formalisation of current ideas, for example by creating models or drafting project components. In an innovative environment, this helps to represent the project’s main ideas and to have them approved.A typical day is also defined by informal coordination meetings, over a coffee for instance. It makes it easier to talk freely with a smaller number of people and to debrief meetings and discuss complex issues. These are often the meetings that bring out new ideas. Each day is also full of constant interactions with the whole project team, during meetings, by phone or via internal chat tools.Can you tell us about your career? What are the requirements for a job like yours and what are its prospects?Marie R.: I was trained as an engineer and started out as a business analyst on smaller and more standard projects. I also have a three-year experience with development teams in Singapore. This experience gives me a varied technical and functional knowledge base. A simple project management training course completed this expertise with the methods and tools required for this position. There are many ways to reach a position like mine, as the main requirements are a wide-ranging knowledge, rigor and open mindedness. Previous experience in IT projects and project management in general is required.What messages would you like to convey to those who would like to work in a position like yours?Marie R.: To manage innovative IT projects, we must prioritise creativity over methods and standards. For this, commitment to the project and good communications are crucial to have the support of participants and management, and to make sure the project moves in the right direction. There is a widely held belief that large companies are not capable of innovation, yet several Crédit Agricole CIB business line processes now include AI components.By definition, an innovative project involves little-known technologies and therefore carries a greater risk of failure than a traditional project. It is therefore important to identify as soon as possible the project components that carry this risk so they can be prioritised.To stand out in this job, it is a good idea to be ahead of the curve by taking a step back and anticipating business line needs. By conducting a technology watch for instance, but also by brainstorming with the experts of the field and of course with the business line itself 
  See all employee testimonies on our <a @href="https://www.ca-cib.com/pressroom/news?filters%5Bcategories%5D=224" @target="_blank">Newsroom</a>.</body>

<body>Marie Rakotopara, IT Innovation Project manager within the IT team in charge of Crédit Agricole CIB’s compliance tools, explain her background and her job.</body>

<body>Employee Portraits - Marie Rakotopara, IT Innovation Project manager</body>

<body><img alt="Photo de Marie Rakotopara" class="align-left" data-entity-type="file" data-entity-uuid="437cb229-3064-48e9-acf7-08c568414270" src="https://www.ca-cib.com/sites/default/files/inline-images/Marie-Rakotopara-349-462.png"></img>"Within the IT team in charge of Crédit Agricole CIB’s compliance tools, I manage innovative projects (Artificial Intelligence, Datavisualisation, chatbots, ...). My role is to ensure the projects move forward with the quality expected by the business. I interact on a daily basis with Compliance, development teams in Singapore, and with other IT teams who help us with our projects.I rely on the knowledge and experience of my compliance IT colleagues and my managers who are there to help me if necessary. I also play an advisory role by conveying to the project teams the views of IT on architecture, security and urbanisation.I participate in budget monitoring by following consumption as the project advances and by sending alerts if necessary."Can you describe the job of an IT innovation Project manager?Marie Rakotopara: Innovative projects cannot be conducted in the same way as classic projects. They are sometimes uncertain and unpredictable. Being creative, questioning and listening are therefore important to imagine the solutions best adapted to the needs of Compliance.My role is also to create a healthy and pleasant environment where team spirit can thrive. This is essential in general and even more so with innovative projects. I must also gain the trust of final users who will be the ambassadors of the new tool that will be created.In a multi-disciplinary and multi-cultural environment, it is important to understand the various profiles in order to adapt written and oral communication.What are the highlights of your job throughout the year?Marie R.: The year is governed by the scheduling of our projects. We are very busy when new projects are launched, when a new team needs to be set up, with members who do not necessarily know each other, and when we must imagine together a new target vision and organise our daily lives.Later, when the project is delivered, the final users see the materialisation of the needs they expressed several months beforehand, and their job or everyday life is improved by the new tool we built with them. We usually celebrate this launch by a friendly lunch or a drink with all the team members who were involved in the project.During the second part of the year, time is set aside with other project managers and the business line to define the list of issues for the next year, to quantify them and to schedule them in order to create the roadmap for the following year.Could you describe a typical day?Marie R.: According to the progress of each project I make sure that the whole project team has everything needed to conduct the ongoing work, I answer questions to resolve complicated situations, I run meetings to summarise the situation for management and take part in brainstorming workshops. I communicate daily with people on site, and remotely with development teams in Asia, and with users located in our subsidiaries, in London in particular.I don't spend all my time in meetings, and am sometimes on my own, working on the written and concrete formalisation of current ideas, for example by creating models or drafting project components. In an innovative environment, this helps to represent the project’s main ideas and to have them approved.A typical day is also defined by informal coordination meetings, over a coffee for instance. It makes it easier to talk freely with a smaller number of people and to debrief meetings and discuss complex issues. These are often the meetings that bring out new ideas. Each day is also full of constant interactions with the whole project team, during meetings, by phone or via internal chat tools.Can you tell us about your career? What are the requirements for a job like yours and what are its prospects?Marie R.: I was trained as an engineer and started out as a business analyst on smaller and more standard projects. I also have a three-year experience with development teams in Singapore. This experience gives me a varied technical and functional knowledge base. A simple project management training course completed this expertise with the methods and tools required for this position. There are many ways to reach a position like mine, as the main requirements are a wide-ranging knowledge, rigor and open mindedness. Previous experience in IT projects and project management in general is required.What messages would you like to convey to those who would like to work in a position like yours?Marie R.: To manage innovative IT projects, we must prioritise creativity over methods and standards. For this, commitment to the project and good communications are crucial to have the support of participants and management, and to make sure the project moves in the right direction. There is a widely held belief that large companies are not capable of innovation, yet several Crédit Agricole CIB business line processes now include AI components.By definition, an innovative project involves little-known technologies and therefore carries a greater risk of failure than a traditional project. It is therefore important to identify as soon as possible the project components that carry this risk so they can be prioritised.To stand out in this job, it is a good idea to be ahead of the curve by taking a step back and anticipating business line needs. By conducting a technology watch for instance, but also by brainstorming with the experts of the field and of course with the business line itself 
  See all employee testimonies on our <a href="https://www.ca-cib.com/pressroom/news?filters%5Bcategories%5D=224" target="_blank">Newsroom</a>.</body>

Employee Portraits - Marie Rakotopara, IT Innovation Project manager

<body><img @alt="Photo of Cécile Bellahcene" @class="align-left" @data-entity-type="file" @data-entity-uuid="c185ab05-e796-41b7-ac9d-cec157832070" @src="https://www.ca-cib.com/sites/default/files/inline-images/Cecile-Bellahcene-350.jpg"></img>“My name is Cécile, I am 28 years old and I am a credit risk analyst at Crédit Agricole CIB within the Risks and Permanent Control (RPC) division. Our team is in charge of the management and operational steering of counterparty risk, in order to minimise the Bank’s cost of risk within the Corporate and Structured financings perimeter.”Could you please describe your job as Credit Risk Analyst?Cécile Bellahcene: As a credit risk analyst within RPC, I am in charge of a portfolio of Corporate clients in the healthcare sector, and in particular large pharmaceutical companies. My role is to identify and control the Bank’s exposure to counterparty risks. For this I am in charge of the credit requests initiated by the Front Office. After analysing and discussing with parties involved, I give independent risk advice and recommendations. Depending on the level of delegation, certain files might be presented to various internal credit committees.What are the key moments of the year in your business?C.B.: There are no real highlights, our workload is proportional to the workload of the Bank’s various business lines that initiate the credit requests. As part of our work we must also remain constantly informed of changes in the groups and counterparties we follow, to ensure an early warning role if necessary. 
Our activity is nevertheless very correlated to the economic environment; the Covid-19 health crisis for instance and the various supportive measures set up by the French government and Crédit Agricole Group created a massive flow of files (French State guaranteed loan (PGE) requests, waivers, new money…). What does a typical day look like?C.B.: I am lucky because I can organise my days as I like, which doesn’t mean that I don’t have daily discussions with my colleagues and management. I also interact with many other employees, whether in the business lines, senior bankers who manage the client relationship, delegatees, and other support functions within the Bank. Our interlocutors are really very diverse, and I like this aspect very much!Which educational and professional background do you need for your job? What are the possibilities of career advancement? C.B.: After a scientific baccalaureate (A-level) I joined a preparatory class for two years and then Kedge Business School in Bordeaux where I obtained a Masters in management. For my gap year, I did a one-year internship in the Risk Department of Group Crédit Agricole S.A. During my studies I also spent a semester at the University of Tennessee in the United States and then did an internship at Dexia as a credit risk analyst for international public financings. 
I then spent 18 months as a VIE in Crédit Agricole CIB New York, working as a credit analyst in the securitisation business line. This is an experience I recommend to all young graduates. Following this mission I was given the opportunity to join the risk teams in France. I don’t think there is a typical path but you must be curious, have a critical mind and a good knowledge of financial analysis to be able to discuss with your interlocutors and challenge transactions.What would you say to people who would like to join Crédit Agricole CIB?C.B.: At Crédit Agricole CIB, we are fortunate to work in a very caring and formative environment. We have the possibility to take on responsibilities quite early and this is quite rare. There are also many career opportunities within the Bank because of the many business lines within our CIB, both in France and abroad. See all employee testimonies on our <a @href="https://www.ca-cib.com/pressroom/news?filters%5Bcategories%5D=224" @target="_blank">Newsroom</a>.</body>

<body>Cécile Bellahcene, Credit risk analyst, talks about her career and role within Crédit Agricole CIB's Risks and Permanent Control division.</body>

<body>Employee Portraits - Cécile Bellahcene, Credit risk analyst</body>

<body><img alt="Photo of Cécile Bellahcene" class="align-left" data-entity-type="file" data-entity-uuid="c185ab05-e796-41b7-ac9d-cec157832070" src="https://www.ca-cib.com/sites/default/files/inline-images/Cecile-Bellahcene-350.jpg"></img>“My name is Cécile, I am 28 years old and I am a credit risk analyst at Crédit Agricole CIB within the Risks and Permanent Control (RPC) division. Our team is in charge of the management and operational steering of counterparty risk, in order to minimise the Bank’s cost of risk within the Corporate and Structured financings perimeter.”Could you please describe your job as Credit Risk Analyst?Cécile Bellahcene: As a credit risk analyst within RPC, I am in charge of a portfolio of Corporate clients in the healthcare sector, and in particular large pharmaceutical companies. My role is to identify and control the Bank’s exposure to counterparty risks. For this I am in charge of the credit requests initiated by the Front Office. After analysing and discussing with parties involved, I give independent risk advice and recommendations. Depending on the level of delegation, certain files might be presented to various internal credit committees.What are the key moments of the year in your business?C.B.: There are no real highlights, our workload is proportional to the workload of the Bank’s various business lines that initiate the credit requests. As part of our work we must also remain constantly informed of changes in the groups and counterparties we follow, to ensure an early warning role if necessary. 
Our activity is nevertheless very correlated to the economic environment; the Covid-19 health crisis for instance and the various supportive measures set up by the French government and Crédit Agricole Group created a massive flow of files (French State guaranteed loan (PGE) requests, waivers, new money…). What does a typical day look like?C.B.: I am lucky because I can organise my days as I like, which doesn’t mean that I don’t have daily discussions with my colleagues and management. I also interact with many other employees, whether in the business lines, senior bankers who manage the client relationship, delegatees, and other support functions within the Bank. Our interlocutors are really very diverse, and I like this aspect very much!Which educational and professional background do you need for your job? What are the possibilities of career advancement? C.B.: After a scientific baccalaureate (A-level) I joined a preparatory class for two years and then Kedge Business School in Bordeaux where I obtained a Masters in management. For my gap year, I did a one-year internship in the Risk Department of Group Crédit Agricole S.A. During my studies I also spent a semester at the University of Tennessee in the United States and then did an internship at Dexia as a credit risk analyst for international public financings. 
I then spent 18 months as a VIE in Crédit Agricole CIB New York, working as a credit analyst in the securitisation business line. This is an experience I recommend to all young graduates. Following this mission I was given the opportunity to join the risk teams in France. I don’t think there is a typical path but you must be curious, have a critical mind and a good knowledge of financial analysis to be able to discuss with your interlocutors and challenge transactions.What would you say to people who would like to join Crédit Agricole CIB?C.B.: At Crédit Agricole CIB, we are fortunate to work in a very caring and formative environment. We have the possibility to take on responsibilities quite early and this is quite rare. There are also many career opportunities within the Bank because of the many business lines within our CIB, both in France and abroad. See all employee testimonies on our <a href="https://www.ca-cib.com/pressroom/news?filters%5Bcategories%5D=224" target="_blank">Newsroom</a>.</body>

Employee Portraits - Cécile Bellahcene, Credit risk analyst

<body><img @alt="Portrait of Thibault L., Application Developer for capital market activities," @data-entity-type="file" @data-entity-uuid="bf4ec651-3836-4827-835d-3fa894e6d3ee" @src="https://www.ca-cib.com/sites/default/files/inline-images/bandeau-interne-actu-thibault-l-EN_1.png"></img>"I’m Thibault Le Grand, and, after three years of work-study training at Crédit Agricole CIB, I’m now an application developer for the Bank’s capital market activities, within the IT department." Can you explain your job in more detail?Thibault L.: I’m responsible for developing and maintaining an application used by securitisation teams in France and in New York to issue financial securities on the capital markets. In order to be able to offer innovative solutions that meet users’ needs, it’s important to understand the functional environment in which I operate. I never work alone: rolling out a piece of software is a genuine example of teamwork.What are the highlights of your job?T.L.: Day to day, my work varies depending on requests and issues fed back by users. Generally speaking, things pick up during the last two weeks before the release of a new version of the application I manage.Could you describe a typical day for us?T.L.: After having coffee, my team gets together for a morning meeting for 15 minutes or so to discuss sticking points encountered the previous day. After that, I alternate between developing new functionality requested by the capital markets department and dealing with unforeseen live issues escalated by users. This means I’m in regular contact not only with my counterparts in New York but also with IT staff in Singapore.What path do you have to follow to get to where you are, and what career opportunities are available?T.L.: To be a developer, you can take a post-secondary IT course at an engineering school or a university. Personally, I took a master’s degree in mathematics and IT. During the three years I spent as an apprentice application developer at Crédit Agricole CIB, my day-to-day work ranged from development to project management, not forgetting management of live application releases. There are plenty of career opportunities, such as becoming a business-side project manager or implementation tech lead.What messages would you like to convey about Crédit Agricole CIB?T.L.: Crédit Agricole CIB offers numerous opportunities for mobility within its various departments and, contrary to popular ideas about banks, there are many young employees! See all employee interviews on our <a @href="https://www.ca-cib.com/pressroom/news?filters%5Bcategories%5D=224" @target="_blank">Newsroom</a>. </body>

<body>Thibault Le Grand, Application Developer for capital market activities, explains his role, duties and day-to-day responsibilities at Crédit Agricole CIB.</body>

<body>Employee Portraits – Thibault Le Grand, Application Developer for capital market activities</body>

<body><img alt="Portrait of Thibault L., Application Developer for capital market activities," data-entity-type="file" data-entity-uuid="bf4ec651-3836-4827-835d-3fa894e6d3ee" src="https://www.ca-cib.com/sites/default/files/inline-images/bandeau-interne-actu-thibault-l-EN_1.png"></img>"I’m Thibault Le Grand, and, after three years of work-study training at Crédit Agricole CIB, I’m now an application developer for the Bank’s capital market activities, within the IT department." Can you explain your job in more detail?Thibault L.: I’m responsible for developing and maintaining an application used by securitisation teams in France and in New York to issue financial securities on the capital markets. In order to be able to offer innovative solutions that meet users’ needs, it’s important to understand the functional environment in which I operate. I never work alone: rolling out a piece of software is a genuine example of teamwork.What are the highlights of your job?T.L.: Day to day, my work varies depending on requests and issues fed back by users. Generally speaking, things pick up during the last two weeks before the release of a new version of the application I manage.Could you describe a typical day for us?T.L.: After having coffee, my team gets together for a morning meeting for 15 minutes or so to discuss sticking points encountered the previous day. After that, I alternate between developing new functionality requested by the capital markets department and dealing with unforeseen live issues escalated by users. This means I’m in regular contact not only with my counterparts in New York but also with IT staff in Singapore.What path do you have to follow to get to where you are, and what career opportunities are available?T.L.: To be a developer, you can take a post-secondary IT course at an engineering school or a university. Personally, I took a master’s degree in mathematics and IT. During the three years I spent as an apprentice application developer at Crédit Agricole CIB, my day-to-day work ranged from development to project management, not forgetting management of live application releases. There are plenty of career opportunities, such as becoming a business-side project manager or implementation tech lead.What messages would you like to convey about Crédit Agricole CIB?T.L.: Crédit Agricole CIB offers numerous opportunities for mobility within its various departments and, contrary to popular ideas about banks, there are many young employees! See all employee interviews on our <a href="https://www.ca-cib.com/pressroom/news?filters%5Bcategories%5D=224" target="_blank">Newsroom</a>. </body>