Jean-Etienne Gadret

Served as the single point of entry for institutional clients on a €8bn real estate portfolio, coordinating across Investment, Asset Management, Development, Legal and Finance teams to deliver investment solutions aligned with client objectives and portfolio strategy Led the execution of a large-scale disposal program, delivering €600m+ in realized gains Oversaw risk framework (market, liquidity, tenant concentration) , contributing to allocation decisions Presented portfolio strategy and performance to client Investment Committees, and brought the portfolio perspective to internal Investment Committee discussions on allocation and risk decisions

Led a team of 4 investment professionals across a €5bn multi-asset portfolio within Solvency II framework, balancing return, capital efficiency and liquidity Drove Strategic Asset Allocation, portfolio positioning and key risk exposures (duration, FX, liquidity) aligning portfolio with balance sheet considerations Aligned with Risk and Finance functions to operate within capital framework, governance and risk limits Selected and actively monitored external asset managers, to maintain consistency with investment objectives

Designed ALM and Strategic Asset Allocation frameworks across Life and P&C portfolios within Solvency II, driving capital-efficient allocation decisions Structured capital-efficient hedging strategies, optimizing Solvency II capital (SCR) Contributed to risk model enhancements, including integration of inflation risk into market risk framework