About Bedis Blaiej

Where quantitative risk, regulation and code meet.

I help financial institutions turn complex risk requirements into statistically sound models, reproducible analytics, automated calculations and documentation that teams can review and maintain.

Data & Risk Analytics Associate · Tunis

Analytics for decisions that need to withstand review.

Since August 2022, I have worked at PwC France & Maghreb across credit risk, regulatory analytics and automation for banks, insurers and finance companies. My work connects the interpretation of IFRS 9, ICAAP and Basel-related requirements with modelling, validation, code and controlled delivery.

The experience documented here spans France, Morocco, Tunisia, Egypt and the UAE. Named institutional engagements below are relationships of PwC France & Maghreb, not independently contracted client work.

French · fluent English · professional

01 — Experience

Selected engagements at PwC France & Maghreb.

Each named engagement carries its provenance explicitly.

August 2022 to present

Data & Risk Analytics Associate

HSBC Bank & CGI Finance Via PwC France & Maghreb

France · Definition-of-default and IFRS 9 parameter model review, validation and backtesting.

AXA Credit Maroc Via PwC France & Maghreb

France / Morocco · Internal PD model implementation and retail ECL calculator.

CFG Via PwC France & Maghreb

Morocco · ICAAP quantitative framework, internal rating and capital modelling.

BNA & STB Via PwC France & Maghreb

Tunisia · PD and LGD modelling, VBA calculator and R pipeline migration.

Socram Banque Via PwC France & Maghreb

France · PEL interest and premium entitlement calculation automation.

ADCB Via PwC France & Maghreb

Egypt / UAE · IFRS 9 recalibration, SAS configuration and macroeconomic overlay.

Internal projects Via PwC France & Maghreb

Tunisia · LGD and CCF pipelines, plus quantitative IFRS 17 vendor benchmarking.

02 — Education and practice

Financial engineering and finance.

2020–2022: Master’s in Financial EngineeringHigher Institute of Management
2017–2020: Bachelor’s Degree in FinanceHigher Institute of Management

Evidence before assertion.

Methods, code and documentation should support the same model purpose. Assumptions and limitations remain visible, calculations are reproducible, and handover is part of the solution.

Technical precision without unnecessary complexity
Clear evidence boundaries and privacy-conscious handling
Maintainable implementation and useful knowledge transfer

03 — Expertise matrix

Methods and implementation capabilities.

Levels are qualitative self-descriptions, not test scores or client performance measures.

Risk and regulation

Methods I have applied in regulated financial contexts.

Credit risk modelling Core

IFRS 9 analytics Core

ICAAP and capital Strong

Model validation Core

Implementation

Tools used to make analytical work reproducible.

Python and R Core

SAS Strong

SQL and data pipelines Strong

VBA automation Strong

04 — Selected work

Public case summaries.

Sanitised descriptions of work delivered via PwC France & Maghreb.

View all work

Socram Banque · France

Automating PEL case calculations

Interest and premium entitlement calculations varied by contract case, subscription date and rate tier, making consistent manual treatment difficult.

Outcome: qualitative capability

AXA Credit Maroc · France and Morocco

Automating an IFRS 9 ECL calculator

The business team needed a consistent way to calculate Expected Credit Loss across retail segments without manually re-deriving the approved methodology.

Outcome: qualitative capability

Next step

Bring the analytical question, not the sensitive data.

A short brief is enough to establish whether this is a fit. Describe the situation in general terms only. Do not send client data or model files.

Start a consultation brief Email directly