Sales Assistant with Romanian and English

Job attributions:

Collaborate closely with cross-functional teams including risk management, legal, internal sales, pay-out and customer service to ensure seamless partnership management

Initiating and implementing transactions with customers. This includes quoting, collecting documents, following-up credit decisions as well as coordinating the flow of an application through the organization

A strong commercial, strategic and analytic track record in both sales and relationship management, the role demanding a mix of analytic, critical, and administrative abilities

Drive towards defined commercial objectives through strategic planning and execution

Developing and maintaining strong relationships with the vendor’s commercial representatives as well as the vendor’s channel partners

Executing the sales strategy and business plan of the local and global Business Units, the Vendor and his channel partners.

Good level of understanding of documentation, equipment finance products, credit risks and compliance policies.

Daily contact via email or by phone with external stakeholders as dealers, partners, vendors, customers

Adhere and update policies and procedures, including completion of all training requirements, and timely follow up on delegated action items.

Collaborate closely with cross-functional teams including risk management, legal, internal sales, pay-out and customer service to ensure seamless partnership management

Initiating and implementing transactions with customers. This includes quoting, collecting documents, following-up credit decisions as well as coordinating the flow of an application through the organization

A strong commercial, strategic and analytic track record in both sales and relationship management, the role demanding a mix of analytic, critical, and administrative abilities

Drive towards defined commercial objectives through strategic planning and execution

Developing and maintaining strong relationships with the vendor’s commercial representatives as well as the vendor’s channel partners

Executing the sales strategy and business plan of the local and global Business Units, the Vendor and his channel partners.

Good level of understanding of documentation, equipment finance products, credit risks and compliance policies.

Daily contact via email or by phone with external stakeholders as dealers, partners, vendors, customers

Adhere and update policies and procedures, including completion of all training requirements, and timely follow up on delegated action items.

Competencies:

Bachelor’s or University Degree in fields such as Economics or equivalent through experience

Minimum 3 years of experience in sales support within a leasing/financial organization. Ideally, to have experience with leasing/financial solutions and within equipment finance, but a strong experience in one and willingness to learn the second could work as well

Proficiency with MS Office Suite, particularly MS Excel and MS Power Point

Fluency in Romanian and English (written and spoken)

Skills

Team player but able to work autonomously as well

Analytical and multitasking skills

In-depth understanding of sales principles and customer and vendors service practices

A can-do attitude and passion for your job

Strong consultative selling skills – listening, questioning, persuading and presenting

Flexible and willing to travel

Position: Senior Financial Accountant

Location: Bucharest, Romania

Hybrid

BNP Paribas Leasing Solutions (Romania), a company of BNP Paribas Group, is a leading player in the financing and rental of professional equipment in Romania;  

Job Atrributions: 

Reviews and participates in the recording of all relevant accounting information in the Charisma Information System and prepares financial reports:

​

• participates in the recording and checking of data on accounting information in the Charisma Information System;

•performs and oversees the reconciliation of the accounts (receivables, debts, bank statements, early payments, outstanding financial obligations);

• participates in the execution of the necessary recordings and reviews for the monthly closing of the balance sheet;

•establishes, verifies and submits tax statements and reports to the Tax Authority;

•performes proper and timely reporting to the Group, National Bank of Romania, National Institute for Statistics and other authorities according to the specific reporting rules;

•provides assistance to other departments and prepares reports /documents, if necessary;

• participates in the drawing up of the annual revenue and expenditure budget and its estimates and monitor its implementation;

• provides support in the relationship with the external auditors and the National Bank of Romania through the preparation of the requested information according to the required deadlines;

• participates in the elaboration and updating of internal procedures/ internal instructions to incorporate changes of the accounting and legal nature as they enter into force;

•verifies the compliance of items/amounts entered in invoices related to leasing/sale/rental contracts with the respective contract and with the necessary internal approval flow;

•defines and uses the appropriate tax treatment for accounting transactions;

• is responsible for carrying out the permanent control of the activities carried out both as established and assigned to the post through internal procedures relating to it and as a continuing and independent measure for the verification of the work carried out;

• participates in the elaborations/improvement of internal procedures/internal rules/regulations assigned to the Financial Department;

•ensures the elaboration, review and archiving of financial and accounting documents in accordance with the current legislation.

•complies and agrees to be obliged by all the rules, regulations, procedures and internal (general or special) policies of the company and the group of which it is part as they are brought to its knowledge (in writing, by electronic mail);

•performs any other activities as may be decided on a case-by-case basis by the Department Manager and/or the General Manager according to the evolution of the company’s activity.

Jon Requirements:

Minimum 3 years’ experience in the financial area, preferably in a financial institution on a similar position or in an audit firm.

Bachelor degree in economics/finance

Very good knowledges of English, in written, speaking, comprehension

Romanian – native

•Solid taxation and accounting knowledge;

•ACCA or similar certification, finalized or in progress, is an advantage;

•Knowledge of financial reporting standards (IFRS) and accounting regulations applicable to non-bank financial institutions in Romania;

•Advanced knowledge of MS Office Excel; Charisma

•Capacity for analyzing and compiling information;

•Organizational spirit with very good time management skills;

•Ability to work in the team and to fall within the requested deadlines.

​

We are looking for a Test Analyst to join our growing team and be part of a large-scale project focused on test management and manual testing, having extensive interaction with project actors.

Key responsibilities:

• Conduct test activities through different phases of testing – test strategy, test planning, test design, test execution, test reporting
• Understand functional requirements or user stories
• Define the Test strategy and perform Peer Review on the Test strategy
• Prepare and execute test plans, test cases and test scenarios
• Analyze test results, document issues, and retest corrections to ensure that the problems are solved
• Perform Test case capitalization for Regression
• Test Management, Defect Management and Reporting using Jira, ALM Octane, QC ALM, or similar tools
• Produce reporting/KPI for test progress and Closure
• Review of test cases designed, improve, and optimize test process
• Responsible for delivery of all testing documentation and execution of tests
• Selection of test cases for automation & provide support for test automation
• Gain an understanding of the business context and technical environment
  

What we are looking for:

• French advanced level written and spoken
• The ability to research on their own/get info from different stakeholders and developers
• Good planning, organization, and time management skills
• Excellent written and verbal communication skills, the ability to communicate efficient with the team (business, developers, PO’s)
• Excellent problem-solving skills
• Knowledge of agile methodology

Nice to have:

• ISTQB certification would be a plus
• Experience in banking projects

Who are we?

We’re part of one of the largest banking groups in the world and we’re conducting its best IT projects!
Central Europe Technologies (CET) is an expertise Shared Service Center for BNP Paribas Group, subsidiaries serving 19 countries and we are continuously expanding.
Our offices are located in Romania, in Bucharest, Brasov and Cluj. The company brings together over 300 employees, with expertise in various technologies (Java, .Net, COBOL) and other operational roles (credit analysts, collection officers, System Expert administrators).

About our culture:

We are proud to create, maintain and develop strategic business applications for BNP Paribas Group entities around the world, while keeping a high level of service and providing added value to our customers..
Working in a multicultural environment, we encourage our people to develop their talents and skills, offering various career opportunities and internal mobility programs, within local CET teams or in other entities within the Group, both in Romania and abroad.
We value our employees’ experience by keeping a well-balanced environment with flexibility regarding the work schedule and care for everyone’s personal time. We embraced a hybrid way of working because we believe social connection always adds value to our day-to-day activities.
Diversity and inclusion are among our core values, as CET is an equal opportunity employer. Therefore, we are committed to ensure employment opportunities regardless of race, skin color, beliefs, religion, nationality, ethnic background, age, sex, sexual orientation, marital status or political opinions.

Location: Bucharest, Romania

Partial Hybrid

Temporary Contract until the end of 2024 – Replacement for maternity leave

BNP Paribas Leasing Solutions (Romania), a company of BNP Paribas Group, is a leading player in the financing and rental of professional equipment in Romania; 

Job purpose:

Obtaining the necessary documents and information from suppliers, customers, guarantors and any other contractual partners of the Employer, correct and complete completion of contracts and additional documents with relevant data from documents obtained from suppliers, customers, guarantors, etc., and in accordance with the conditions approved by the Employer’s risk department.

Requesting and obtaining the necessary documents for signing contracts or modifying them from suppliers, customers, guarantors and any other contractual partners of the Employer.

Obtaining contracts or additional documents signed by customers or guarantors and the signature of persons authorized from the Employer’s organization, archiving the documentation.

Responsibilities: 

·        requesting and obtaining from clients, guarantors and any other contractual partners of the Employer all the necessary documents in order to prepare and transmit the leasing / rental / credit modification files to the existing contracts for the analysis of the Risk Department

·        obtaining extracts from the Trade Register regarding the corporate status of the Employer’s contractual partners, checking the Employer’s contractual partners in the other public databases or to which the Employer has access, including the results of these checks in the files prepared for payment

·        analysis of the approvals issued by the Risk Department and the complete and correct drafting of the contractual documents in accordance with the requirements specified in the respective approvals, validation of these documents;

·        analysis of the approvals issued by the Risk Department and the complete and correct drafting of the contractual documents in accordance with the requirements specified in the respective approvals, validation of these documents;

·        verification of the documentation and information received from the contractual partners of the Employer both in terms of their veracity and from the perspective of fulfilling the legal and contractual conditions

·        performing the necessary actions to obtain the signature of the authorized persons of the contractual partners of the Employer on the contractual documents drawn up and validated (including, the verification of the capacity of the signatories to validly employ the respective company in front of the third party

 ·      studies: university degree

·       experience requested: minimum 3 years experience preferable in a financial institution on a similar position;

·       at least medium level of English language; Romanian native

·       advanced knowledge of MS Office package (Word, Excel, etc.)

·       general knowledge about BNP Leasing Solutions’s products and services

·       good level of negotiation and relationship skills

·       good time management skills, capable to organize him/herself;

·       ability to work in a team and to meet deadlines.

 

Job responsibilities:

1. Project Management

• Projects governance
• Prepare the governance of the projects together with Sponsor (stakeholders/ members, roles and responsibilities, frequency of meetings, roadmap, action plan, etc.)
• Support business in drafting the framing note/specification
• Project analysis
• Design Retro planning
• Monitor and maintain the priority of projects, considering resources and budget constraints
• Identification of risks for projects’ small parts not implemented and define an implementation timeline for these
• Lead all aspects of project implementation
• Third party contract review
• Regular follow up: Organize weekly meetings with sponsors to follow up the status of projects & tickets, Follow up on budget, daily follow up on the open tickets

Reporting: Plan and organize the Steering Committees/Transformation Committees (status of projects)

2. Business Process Optimization role

•    design and propose AS IS/TO BE flow analysis together with the business owners and final validation
•  create flow diagrams in MS Visio, Excel and MS Project,
•  time-resource analysis and reports,
• conduct Gap Analysis & identify solutions to address
•  conduct workshops internally to implement new processes
•    understand organization pain points & implement changes
•   analysis on data quality in Charisma on business request
•   align business process documentation/ working instructions and procedures
• 3. Business analyst role
• being SPOC for Shared Service Center in relation with business
• design business Specification for new projects
•  provide support for framing notes
•  organize testing, testing plan, resources and flow and provide business support
• find solutions for operational bottlenecks and in Charisma/ CLM/DMM system

We are looking for a Business Analyst to join our team in Central Europe Technologies, an expertise center which conducts IT projects for our clients from BNP Paribas Personal Finance organization.

Mission:

Gather requirements, analyse, document and propose solutions for large and/or complex business areas including workflow and functional specifications, as well as assistance in the preparation of user and system test plans.

Key Responsibilities:

1. Produce functional specifications by liaising with internal BNP Paribas Personal Finance departments to establish business requirements:

• Collect, understand, and transmit the business for the project or the Request for Service (RS), and translate these into functional specifications and detailed test plans
• Act as the interface and lynch-pin between the business, internal development team and third parties dependant on the systems that need to be changed
• Lead workshops to establish requirements
• Support the request for service initiator and follow the Request for Service process
• Provide accurate estimates working with the Development team, Infrastructure team and Technical Architect
• Analyse and document business processes; document workflows and results of business analysis and obtain sign-off from internal customer on the specifications
• Design and execute the test scenarios and test scripts, working with the test team
• Provide weekly reports for the project manager showing progress against outstanding milestones, status, resource requirements, issues, risks and dependencies

2. Ensure work is planned and monitored

• Highlight exceptions and difficulties to Business owner / Applications Development and Support Manager and escalate where necessary to the Head of Applications
• Adopt and adhere to change control processes
• Ensure that you understand the Release Management process and the global methodologies used as part of the change process and adhere to this
• For all agreed projects and Request for Service produce System Test deliverables that covers the following to agreed timescales and quality: test plan and objectives of the changes, test specifications, test scripts and results
• Raise any defects via the defect management process and manage the prioritisation and reporting of defects in line with agreed corporate standards
• Escalate any serious issues that could jeopardise the delivery of system change to the Applications Development and Support Manager / Head of Systems

3. Drive towards continuous improvement

• Build a rounded knowledge of the business systems and become a business expert for BNP Paribas Personal Finance in relation to the way the systems work to support the business
• Try to make sure that more use is made of parameter driven solutions rather than developments
• Understand the business process and the impact of change on each of the areas

What we are looking for:

• University degree in a computer science or related discipline
• min. 2 years’ experience as a Business Analyst
• min. 2 years’ experience of methodologies including Agile, Waterfall & SDLC (Systems / Software Development Life Cycle)
• End to end experience of the project lifecycle and ability to ability to work with end user to understand requirements
• Experience of testing
• Proven experience of analyzing and documenting complex business processes
• Good communication skills and the ability to communicate effectively
• Ability to liaise and influence all levels of management and work with other departments
• Ability to prioritise and execute tasks in a high-pressure environment and make sound decisions in critical situations, particularly surrounding security
• Analytical skills, the ability to make an informed decision based on the information available and understand the business processes within a corporate environment
• Proactive, demonstrating initiative

Who are we?

We’re part of one of the largest banking groups in the world and we’re conducting its best IT and Operations projects!

Central Europe Technologies (CE.T) is an expertise Shared Service Center for BNP Paribas Group, subsidiaries serving 19 countries and we are continuously expanding.

Our offices are located in Romania, in Bucharest and Brasov. The company brings together over 300 employees, with expertise in various technologies (Java, .Net, COBOL) and other operational roles (credit analysts, collection officers, System Expert administrators).

About our culture:

We are proud to create, maintain and develop strategic business applications for BNP Paribas Group entities around the world, while keeping a high level of service and providing added value to our customers.

Working in a multicultural environment, we encourage our people to develop their talents and skills, offering various career opportunities and internal mobility programs, within local CET teams or in other entities within the Group, both in Romania and abroad.

We value our employees’ experience by keeping a well-balanced environment with flexibility regarding the work schedule and care for everyone’s personal time. We embraced a hybrid way of working because we believe social connection always adds value to our day-to-day activities.

Diversity and inclusion are among our core values, as CET is an equal opportunity employer. Therefore, we are committed to ensure employment opportunities regardless of race, skin color, beliefs, religion, nationality, ethnic background, age, sex, sexual orientation, marital status or political opinions.

We are looking for a FinOps Specialist to join the Cloud Competency Center in BNP Paribas Personal Finance and help in defining and managing the implementation of the Cloud strategy and support of PF’s subsidiaries internationally. FinOps practices bring together technology, business and Finance teams to optimize the cloud usage. 

Key Responsibilities: 

·       Help IT teams to understand and control their cloud spending in BNPP Personal Finance countries

·       Provide advice on how to optimize the usage of Cloud services

·       Operate continuous improvement by implementing policies to reduce costs without impacting performance

·       Understand and explain BNPP dedicated Cloud costs

·       Attend FinOps community meetings

·       Update FinOps planner of PF-IT : work with PF-IT FinOps leader to identify actions to be taken and follow-up progress

·       Work with Finance to evaluate savings generated by the migration to the Cloud

·       Prepare and expose presentations to explain FinOps achievements and challenges (in Move2Cloud steering committees, to PF geographies, to PF business lines etc.)

·       Contribute to Move2Cloud KPIs calculation and reporting

What we are looking for:

·       Previous experience in Finance, Reporting and other similar roles in IT companies

·       Fluency in English and French is mandatory, as the role requires a strong collaboration with BNP PF France

·       Good knowledge of Cloud technologies / IT culture

·       Analytical skills, attention to details and appetence for figures

·       Ability to report and prepare presentation (Power BI, Excel and/or PowerPoint)

·       Ability to work autonomously

Who are we?

We’re part of one of the largest banking groups in the world and we’re conducting its best IT projects!

Central Europe Technologies (CET) is an expertise Shared Service Center for BNP Paribas Group, subsidiaries serving 19 countries and we are continuously expanding.

Our offices are located in Romania, in Bucharest, Brasov and Cluj. The company brings together over 300 employees, with expertise in various technologies (Java, .Net, COBOL) and other operational roles (credit analysts, collection officers, System Expert administrators).

About our culture:

We are proud to create, maintain and develop strategic business applications for BNP Paribas Group entities around the world, while keeping a high level of service and providing added value to our customers.

Working in a multicultural environment, we encourage our people to develop their talents and skills, offering various career opportunities and internal mobility programs, within local CET teams or in other entities within the Group, both in Romania and abroad.

We value our employees’ experience by keeping a well-balanced environment with flexibility regarding the work schedule and care for everyone’s personal time. We embraced a hybrid way of working because we believe social connection always adds value to our day-to-day activities. 

Diversity and inclusion are among our core values, as CET is an equal opportunity employer. Therefore, we are committed to ensure employment opportunities regardless of race, skin color, beliefs, religion, nationality, ethnic background, age, sex, sexual orientation, marital status or political opinions.

  

Location: Bucharest, Romania

Type of job: Hybrid

BNP Paribas Leasing Solutions (Romania), a company of BNP Paribas Group, is a leading player in the financing and rental of professional equipment in Romania.  

Main job responsibilities:

–        Coordinate, organize and monitor the Collection’s Team activity to achieve the collection KPIs and objectives in the shortest possible time

–        Close monitor of the debt collection portfolio

–        Direct collection officers to ensure timely execution of the collection tasks.

–        Recommend appropriate solutions and provide guidance to team for collection cases.  

–        Propose, execute, and timely implement the Company action plan and decisions related to the debt collection portfolio and collection activity.

–        Propose/draft and monitor rescheduling proposal.

–        Organize and monitor the allocation process of the amount collected within the collection activity.

–        Prepare monthly collection reports.

–        Participate in process improvement projects.

–        Negotiate and obtain from debtors, in the limits of the Delegation of Authority in place, payment commitments.

–        Plan and field visit the clients with overdue debts and/or refusing the return of the financed assets

–        Propose and supervise the using of the payment instruments to recover the debts (promissory notes/cheques) held by the Employer, in accordance with internal procedures and decisions of the authorized corporate bodies of the Employer

–        Coordination and improving the collection team’s activity in regard with collecting the debts and proposing the measures to achieve the collection objectives in the shortest possible time.

–        Managing the collection portfolio.

–        Coordination and improving the Collection team’s work in obtaining the necessary documents and information from the former and current clients, guarantors, any other partners for collecting the debts.

–        Organizing, planning, and monitoring the direct reports’ activity

–        To ensure their accuracy, check the IT/evidential system and situations/reports, prepared by the collection officers regarding the outstanding rates,

–        To fill-in and/or, where appropriate, to monitor how to fill-in  the employer’s database and the reports submitted by the collection officers, regarding the status of the debt receivables.

–        Preparing and/or monitoring the activity of drafting notices and summons to clients for amounts due and not paid on time, notices of termination, return of finance assets , etc. and monitoring/coordination of the Collection Team task

–        Verification of the analysis of the files of the former clients and current clients that record back to paying and making proposals for solutions to recover the amounts owed and the assets of the Employer.

–        After obtaining the prior approval, monitoring the negotiation with the former clients of the ways of recovering the amounts due and/or returning the assets to the employer

–        The supervision of the mode of completion and introduction of payment instruments (promissory notes/cheques) held by the Employer, in accordance with internal procedures and decisions of the authorized corporate bodies of the Employer.

–        Preparing the various reports about the stage of the collection activity.

–        Visiting the clients with overdue debts and/or refusing the return of the goods, by request of the management.

–        Precisely the observance of all the rules, regulations, internal procedures of the Employer and oral and/or written instructions (including but not limited to correspondence by email), received from the management

–        Informing the immediate in writing his/her manager about any aspect observed/identified during its daily activity that is unusual or is a violation by the staff of the rules, regulation of the company or legislation in force

–        Cooperation with the other departments of the employer, responding and solving their requests in due time.

Job requirements:

Bachler Degree in economics/Finance

Min 7 years’ experience in collection within 5 years in a financial-banking institution

Min 3 years’ experience in coordinating a team

Technical and business knowledge:

General knowledge of the products and services of the Employer.

Management and techniques of debts recovery and goods.

Legislative knowledge of the companies in Romania.

Knowledge of the Romanian market.

Good command of English in written, speaking and comprehension

Romanian – native

IT: MS Office package.

Ability to maintain confidentiality of information, integrity, discretion; organizational capacity; capacity to relativizing with other persons; logical thinking, capacity to anticipate changes; ability to negotiate; ability to observe and persuade

 About our culture:

 We are proud to create, maintain and develop strategic business applications for BNP Paribas Group entities around the world, while keeping a high level of service and providing added value to our customers.

 Working in a multicultural environment, we encourage our people to develop their talents and skills, offering various career opportunities and internal mobility programs, within local BNP Paribas Leasing Solutions teams or in other entities within the Group, both in Romania and abroad.

We value our employees’ experience by keeping a well-balanced environment with flexibility regarding the work schedule and care for everyone’s personal time. We embraced a hybrid way of working because we believe social connection always adds value to our day-to-day activities.

Diversity and inclusion are among our core values, as BNP Paribas is an equal opportunity employer. Therefore, we are committed to ensure employment opportunities regardless of race, skin color, beliefs, religion, nationality, ethnic background, age, sex, sexual orientation, marital status, or political opinions.

 Why should you join the BNP LEASING SOLUTIONS?

•We are part of the BNP group, a strong financial group

•We have a team of professionals and a friendly working environment

•Ensuring many learning opportunities

•We offer an attractive benefit package

  By joining our Group, you will take part in our great transformation towards building a more sustainable world. Discover our commitments:

 Our commitments and actions for clients and society BNP Paribas (group.bnpparibas)

Développeur Full Stack Javascript et Java (m/f)

Contexte de la mission

Dans le cadre de ses activités BGL BNP Paribas, l’équipe IT Asset Team Web recherche un Développeur Full Stack Javascript et Java (m/f).

1.Description du poste

Mission

Votre mission couvrira les aspects suivants :  

·        Développement, maintenance et intégration de systèmes propriétaires développés en technologies JavaScript (diverses librairies : Backbone, Rivets, reactjs) et Java (Spring Boot),  

·        Participe à la réalisation des mesures d’assurance qualité du logiciel (cas de tests, tests, tests 4 yeux, code review, tests de non-régression),

·        Participe à l’analyse des besoins fonctionnels des métiers/projets (grooming, analyse, design),

·        Participe au maintien de la documentation fonctionnelle des assets.

Compétences techniques attendues

·        Développement d’applications javascript sur base des librairies backbone, rivets et Reactjs et de services backend en Java Spring Boot,

·        Développement et tests unitaires,

·        Intégration et tests d’intégration,

·        Application proactive des meilleures pratiques en termes de sécurisation d’applications dans le secteur Bancaire (recommandation Owasp, Nist, etc),

·        Expérience des pratiques agiles,

·        Expérience de l’utilisation des toolchain d’intégration et de déploiement continue

·        Expérience des déploiements en Cloud

2.Outils et technologies

·        Expert des langages suivants : Javascript, CSS, HTML, Json, Java, XML

·        Expert des librairies et frameworks suivants : Spring, Backbone, Rivets, Reactjs, Redux

·        Maîtrise des IDE IntelliJ et/ou Eclipse,

·        Maîtrise de l’utilisation de Git,

·        Maîtrise de swagger,

·        Utilisation de Kibana pour l’analyse des logs,

·        Utilisation de la Spring Boot Admin Console,

·        Utilisation de JFrog Artifactory,

·        Utilisation de Jenkins,

·        Utilisation de Sonar,

·        Utilisation de Jira,

·        Pratique de Scrum et Kanban

3.Compétences linguistiques

·        Parfaite maîtrise du français,

·        Bonne connaissance pratique de l’anglais technique (capable de comprendre une conversation et d’interagir dans cette langue dans le contexte de la mission).

4.Compétences comportementales 

• Sens des responsabilités et bonne autonomie,
• Orienté client,
• Collaboration et esprit d’équipe,
• Pensée analytique et capacité de synthèse,
• Conscience du risque et remonté des alertes appropriées,
• Capacité d’initiative, créativité et organisation,
• Communication orale et écrite soignée et adaptée à l’interlocuteur,
• Grande capacité d’apprentissage et d’adaptation