Group Senior Financing Officer

Coface; Colombes; Hybride; EUR 90 000 - 130 000; Plein temps

Résumé du poste

Coface is seeking a senior refinancing and capital management professional to define and implement strategies around securitization, bank funding and factoring financing. You will manage liquidity, cost of funding and relationships with banking partners within a multinational group.

The role requires 5–7 years in finance, fluency in English and French, and strong analytical skills to support regulatory capital computations and budget processes.

Qualifications

• Master’s Degree – Accounting, Finance, Economics, or other business related degree.
• Fluency in English and French to negotiate complex legal documentation in English.
• Excellent Excel and MS Office skills.
• Strong analytical, writing and communication skills.
• Ability to handle multiple projects and work independently.

Responsabilités

• Define and implement refinancing strategy around trade receivable securitization, commercial papers and bank funding.
• Ensure sustainable and cost-efficient refinancing structure for factoring activity.
• Set-up new funding sources and manage negotiations with banking partners.
• Monitor liquidity needs, refinancing costs and KPI related to to the Group's capital management.
• Participate in budget process and regulatory capital computations (CRR/CRD IV) related to factoring activities.

Description du poste

Within the Group Investments, Treasury and Financing department, missions dedicated to the Financing and Capital Management team mainly encompass the Group’s capital structuring and allocation along with the refinancing of the factoring activity. Apart from its main activity focused on credit insurance, the Group is also present in the factoring market in Germany and in Poland for a total portfolio of ~ 3,5bn € of outstanding receivables.

Your role

Refinancing management & monitoring:

• Define and implement refinancing strategy mainly around trade receivable securitization, commercial papers and bank funding.
• Ensure sustainable and cost-efficient refinancing structure dedicated to the factoring activity.
• Set-up new sources, follow-up and renewal /restructuring of the different sources of funding (RFP process, banking partner selection, coordination of internal project team, legal contract negotiations etc.).
• Manage & secure long-term relationships with the Group’s banking partners.
• Refinancing need follow-up including budget analysis, KPI, liquidity need and refinancing cost monitoring.

Profitability & capital requirement monitoring

• Participate at an early stage to the budget process with factoring entities and Control department (assumptions validation, refinancing structure sizing and cost projection, verify exposure/ROE adequacy etc.).
• Supervise regulatory capital requirement computations according to CRR regulation on a quarterly basis, deliver results and analysis to the Group CFO and regional CFOs.
• Monitor regulatory requirement developments for the activity (CRR II / CRD IV) and implement adjustments to the RWA engine when required.
• Perform regulatory capital requirement projections for the activity and contribute to the Group Solvency Ratio projection process.

Participate to potential studies aiming at optimizing capital requirement for factoring, proceed to solution implementation.

Minimum 5-7 years professional experience in a finance position either in an international corporate or in the banking industryKnowledge or prior experience in securitization and/or factoringMaster’s Degree – Accounting, Finance, Economics, or other business related degreeFluency in English and French is a necessary ability to negotiate complex legal documentations in EnglishGood knowledge & understanding of Basel regulation CRR / CRD IVStrong analytical, writing and communication skillsAbility to handle multiple projects simultaneouslyAbility to work independently and as part of a teamAttention to detail, self-directed, organized and efficient at time managementExpert knowledge of Excel and MS Office