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Fahd Azzouz

@fahdazzouz

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Bilingual ratings associate specializing in credit risk assessment and financial analysis.

United Kingdom

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What I'm looking for

I seek mid-level roles in credit risk, ratings or financial analysis that leverage Excel/Python automation, support credit committees, enable cross-functional collaboration, and drive actionable insights for portfolio and risk decisions.

I am a bilingual ratings associate and finance lecturer with experience in credit risk assessment, insurance analysis, and financial due diligence.

I hold a PhD in Finance (September 2021 – June 2025) from the Centre for Financial and Corporate Integrity at Coventry University and currently lecture on Macroeconomics, Financial Management, and Business Research across levels 3–6.

In industry roles I have produced detailed investment and due diligence reports, built and refined financial forecasting and valuation models, and implemented Excel automation to streamline recurring valuation and reporting processes for senior stakeholders.

I am proficient with Microsoft Excel, Python, STATA, Bloomberg, S&P Capital IQ and Refinitiv, and I translate complex datasets into clear, actionable insights to support credit committees, portfolio monitoring, and cross-functional decision-making.

Experience

Work history, roles, and key accomplishments

Ratings Associate - Intern

Coface

Jun 2017 - Aug 2017 (2 months)

Conducted financial and ratio analyses for SMEs and multinationals to improve asset risk assessment and support credit insurance decisions; validated data using Coface ICON and Orbis and produced stakeholder-ready reports.

Financial Analysis Coface ICON Orbis Data Validation Report Writing Excel

Education

Degrees, certifications, and relevant coursework

Coventry University

PhD in Finance, Finance

2021 - 2025

Doctoral research in finance at Coventry University's Centre for Financial and Corporate Integrity, completed between September 2021 and June 2025.

Coventry University

Master of Science, Global Financial Trading

2019 - 2021

Grade: Distinction

MSc Global Financial Trading (Distinction) completed at Coventry University from September 2019 to April 2021.

IAE Amiens - Université de Picardie Jules Verne

Bachelor of Business Administration, Business Administration

2015 - 2018

Grade: Equivalent to First

Bachelor of Business Administration (equivalent to First) completed at IAE Amiens - Université de Picardie Jules Verne from September 2015 to July 2018.