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Jean Tino RAVOAVY HARIMAHEFA

@jeantinoravoavyharim

Business Risk Manager at AXIAN Group – Digibank & Fintech, harmonising risk and internal control across five country operations.

Madagascar
Message

At AXIAN Group – Digibank & Fintech, I coordinate risk management and internal control frameworks across five country operations. I assess risks in business processes, new products, projects and third-party relationships, and recommend proportionate mitigation measures.

At Groupama Assurances Mutuelles, I led the operational risk insurance programme across the Group’s entities and subsidiaries. I assessed financial and operational exposures and negotiated with brokers and insurers on pricing, terms and coverage.

At Crédit Agricole Assurances, I managed claims for Harvest and affiliated products, conducted control and audit reviews, and developed Excel-based pricing and steering tools. Earlier, at GMF Assurances – Covéa, I built dashboards and translated regulatory changes into internal control procedures.

Experience

Work history, roles, and key accomplishments

RR

Data Scientist & Research Assistant

Real Quality Rating

Jan 2017 - Mar 2017 (2 months)

Sourced and automated real-estate data collection using VBA, supported model design and validation, and authored analysis reports for investors.

RS

Quantitative Studies Officer

RITM Economic Research Centre – Université Paris Sud

Jan 2015 - Mar 2015 (2 months)

Conducted econometric and statistical studies using Eurobarometer and Eurostat data, and built microeconomic models supporting a digital-economy business case.

Education

Degrees, certifications, and relevant coursework

AF

AMRAE Formation

Risk Management Strategy Certification (CEFAR), Risk Management

2024 - 2024

Completed Risk Management Strategy Certification (CEFAR) in 2024.

PS

PPA Business School

Accounting & Financial Manager Degree, Accounting & Finance

2018 - 2018

Earned an Accounting & Financial Manager Degree (Bac+5 / RNCP Level 1) in 2018.

BE

Bärchen Education

AMF Certification, Finance

2018 - 2018

Completed AMF Certification (French Financial Markets Authority) in 2018.

UX

Université Paris X

Master's Degree in Economics, Economics

Earned a Master's Degree in Economics with a focus on International Finance in 2016.

UX

Université Paris X

Master's Degree, Economics

2016 - 2016

Earned a Master's Degree in Economics – International Finance in 2016.

US

Université Paris Sud

Bachelor's Degree in Applied Economics, Applied Economics

Earned a Bachelor's Degree in Applied Economics in 2015.

US

Université Paris Sud

Bachelor's Degree, Applied Economics

2015 - 2015

Earned a Bachelor's Degree in Applied Economics in 2015.

CM

Collège Saint Michel

Baccalauréat S, Sciences

2012 - 2012

Completed Baccalauréat S (Sciences) in 2012.

Tech stack

Software and tools used professionally

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