Senior Analyst - QPM

esponsibilities of the Role – Sr. Analyst, Covenant Monitoring

1. Manage client and stakeholder relationships, including building a strong working relationship with the Paris FIN team under the dual‑office model.
2. Coordinate effectively with cross‑functional teams such as Relationship Managers (RMs) and Middle Office (MO).
3. Report and escalate client incidents and provide quick and satisfactory resolution to issues.
4. Respond promptly to email queries, acknowledge messages even if resolution is pending, and keep stakeholders informed of delays.
5. Follow up on contractual obligations under finance documents, including covenants, undertakings, triggers, ratios, and technical reports.
6. Update covenant information in the covenant management system in coordination with SMO Risk Managers.
7. Chase Loan Agents when required documents are not received within timelines.
8. Validate the accuracy and conformity of information received against finance documentation.
9. Check financial ratios against contractual thresholds and liaise with Risk Managers if breaches are identified.
10. Deliver BAU activities as per agreed benchmarks and service levels.
11. Monitor, report, and escalate errors and operational incidents.
12. Track and resolve covenant occurrences within defined ageing norms, documenting valid reasons for delays.
13. Update covenant system comments and exception trackers within stipulated timelines and discuss learnings during team stand‑ups.
14. Identify data quality issues using system reports and propose corrective actions.
15. Contribute to enhancements in the covenant management tool and suggest process improvements to the team manager.
16. Participate in user acceptance testing for system or process changes.
17. Ensure adherence to internal procedures, FBK norms, and regulatory requirements.
18. Process all covenant occurrences accurately and consistently in line with Paris OPER/FIN/STR standards.
19. Maintain complete and audit‑ready documentation at all times and ensure no critical audit findings.
20. Escalate risks proactively to prevent financial or operational losses.
21. Participate in resiliency and remote testing and share results with BCP teams.
22. Learn the end‑to‑end process and support the team during critical situations.

Qualifications:

• Good academic background
• Good understanding of financing and the loan life cycle
• Knowledge of credit risk

Abilities / Skills Required:

• Strong customer service orientation
• Logical and structured approach to planning, problem solving, and decision‑making
• Ability to work independently and manage own workload while collaborating with others
• Strong communication skills, including the ability to influence and persuade stakeholders
• Excellent analytical skills
• Ability to organize, prioritize work, and remain flexible
• Knowledge of or exposure to target markets
• Good negotiation and influencing skills
• Ability to work under pressure and meet fixed deadlines
• Out‑of‑the‑box thinking capability
• Quick understanding of upstream and downstream process

We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status”

At Société Générale, we are convinced that people are drivers of change, and that the world of tomorrow will be shaped by all their initiatives, from the smallest to the most ambitious. Whether you’re joining us for a period of months, years or your entire career, together we can have a positive impact on the future. Creating, daring, innovating, and taking action are part of our DNA. If you too want to be directly involved, grow in a stimulating and caring environment, feel useful on a daily basis and develop or strengthen your expertise, you will feel right at home with us!

Still hesitating? 
You should know that our employees can dedicate several days per year to solidarity actions during their working hours, including sponsoring people struggling with their orientation or professional integration, participating in the financial education of young apprentices, and sharing their skills with charities. There are many ways to get involved.

We are committed to support accelerating our Group’s ESG strategy by implementing ESG principles in all our activities and policies. They are translated in our business activity (ESG assessment, reporting, project management or IT activities), our work environment and in our responsible practices for environment protection.