We Finance What Matters Most: The Roles at Sfil

At Sfil, our roles span the entire financing value chain—from market operations to supporting local authorities and hospitals, as well as export financing and cross-functional functions.

Organized into specialized teams, our employees share a common ambition: leveraging their expertise to serve the public interest and ensure the financial strength of our model. Here’s an overview of the key areas of activity within Sfil.

Market Finance

The ALM (Asset and Liability Management) and Financial Markets Division plays a pivotal role in managing our bank’s finances and securing its balance sheet. It is structured around several teams that combine operational expertise, risk management, and strategic oversight.

• Front Office & Trading Floor: Market operators are directly involved in debt issuance, both short- and long-term, ensuring the bank’s financing activities are carried out under the best possible conditions.
• Investor Relations Team: This team oversees financial communication efforts and builds strong, trusted relationships with investors.
• ALM Team: Responsible for managing the bank’s assets and liabilities, this team ensures the balance sheet remains financially stable by integrating asset flows, managing liquidity, and maintaining a controlled risk appetite.
• Middle and Back Office: This team handles the recording of debt issuances and market operations.

Public Sector & Hospital Financing

The teams dedicated to local public sector financing support critical investments made by local authorities and public healthcare institutions.

• Partnership Management: They manage relationships with partner banks, particularly La Banque Postale, which markets Sfil loans.
• Loan Approval & Processing: They analyze loan applications, formalize financing agreements, and oversee their operational implementation.
• Loan Monitoring & Reporting: This team ensures the smooth management of loans (amortizations, early repayments, cash flow processes) and produces the necessary financial reports.

This division embodies Sfil’s mission to support local and hospital financing by facilitating access to stable, long-term, and cost-efficient credit.

Export Credit Financing

This strategic division supports French exporters and major international infrastructure projects in partnership with Bpifrance Assurance Export.

• Dossier Analysis & Structuring: Teams evaluate project viability, structure state-guaranteed financing, and liaise with foreign counterparts.
• Operations Monitoring & Execution: They coordinate fund disbursements, manage credit agreements, and maintain relationships with stakeholders (commercial banks, exporters, and local authorities).
• Export Middle & Back Office: These teams ensure transaction processing, regulatory compliance, and accurate accounting of operations.

Through this activity, Sfil supports the international competitiveness of French companies and contributes to France’s economic influence abroad.

des entreprises françaises à l’international et contribue au rayonnement économique de la France.

Audit, Risk and Compliance

Managing risks involves safeguarding not only financial activities but also all of Sfil’s operations.

• Risk Assessment and Modeling: This team evaluates credit, market, and operational risks, using quantitative tools and stress tests to anticipate potential losses. Climate and environmental risks are also assessed using innovative models like CLIMADA to evaluate the exposure of territories to extreme events and assist in ecological transition efforts.
• Regulatory Compliance: This division focuses on anti-money laundering, ethical standards, and professional conduct. These roles require strong analytical, legal, and regulatory expertise, as well as effective communication with regulators and partners.
• Internal Audit: Identifies major risks facing the company and conducts audits to mitigate them.
• Inspection Function: Focuses on fraud risk management and prevention.

IT, digital & tech, innovation

• Technology & IT Division: At the heart of Sfil’s transformation, this team designs, secures, and evolves the digital and IT infrastructures that underpin our mission of financing critical investments in France. Constantly monitoring innovations like cloud computing, cybersecurity, AI, blockchain, and data, they develop and integrate tools to adapt to changing needs and strengthen investor confidence.
• Transformation Team: Driving change within Sfil, this team leads strategic projects and supports departments in adopting new models, practices, and tools. Closely aligned with digitalization goals, they anticipate sector evolutions and enhance collective efficiency.
  
  Cross-Functional Roles

• Legal: Ensures the legal compliance of all Sfil activities, offers counsel, secures contracts, monitors regulatory changes, manages disputes, liaises with supervisory authorities, and oversees governance.
• Human Resources: As a strategic partner, the HR department supports skill development, fosters employee engagement, and ensures an ethical, inclusive, and motivating work environment. HR plays a crucial role in employee well-being.
• Communication: Strengthens our institutional legitimacy by highlighting our leadership role and expertise.
• IT Support & General Services: Guarantees the smooth, secure, and efficient operation of tools and infrastructures while supporting transformation projects and ensuring an optimal work environment.
• Accounting: Maintains the reliability of financial information, ensures regulatory compliance, and contributes to the efficient management of Sfil.