Matthieu Specht
Marketing professional with 17+ years of experience across strategic and operational marketing, financial services and retail. Proven track record in developing offers, customer and product strategies, omnichannel journeys and transformation programmes, from opportunity assessment through go-to-market. Experienced in complex and regulated environments, coordinating cross-functional teams and stakeholders around business, customer and performance objectives.
• Lead and optimise financing offers focused on energy-efficient home renovation, home adaptation and Private Banking, addressing the evolving needs of wwealth management clients • Conduct market analysis, competitive intelligence and opportunity studies; formulate recommendations to define marketing priorities and roadmaps • Embed offers across physical and digital customer journeys and enhance the customer relationship plan through new activation levers and richer use of data • Coordinate projects across the Group, Regional Banks / LCL, subsidiaries and business functions; present recommendations to decision-making comittees and senior management
• Develop and lead the Eco-Transitions B2B2C credit and services proposition as Offer Squad Lead • Analyse target markets, define strategic priorities and action plans, and build the roadmap through 2028 • Optimise B2B partner strategies across acquisition, engagement, retention, customer journeys and services for the mid-market retail segment
• Led complex projects for marketing and partnership departments across banking, insurance, financial services and retail, including La Banque Postale Consumer Finance, Mobilize and Crédit Mutuel Sud Méditerranée. • Optimised processes and supported the adoption of new technologies and tools, including AI, RPA and B2B/B2C CRM. • Supported organisational transformation by coordinating stakeholders and delivering structured, actionable solutions. • Managed and developed a team of 6 consultants.
• Led and enhanced the loyalty programme and Carte U within the Marketing & Digital Department, covering approximately 70% of tracked revenue with 7M carded clients • Defined and deployed the customer strategy across multichannel campaigns, behavioural analysis, engagement, purchase frequency and customer value • Managed performance, customer journeys, P&L and budgets of approximately €1.8m per year; managed and developed a team of 4
Guest lecturer at Neoma Business School as part of the training program for future Cora managers (customer loyalty and payment services) Guest lecturer for students at the École des Mines de Nancy as part of educational projects (financial services and customer journey innovations)
• Led financial services and the Group credit/insurance customer portfolio, reporting directly to Executive Management and co-managing the activity with captive finance company Banque Révillon. • Defined and managed the 360° activation plan for credit cardholders: onboarding, activation, retention, churn, KPIs and behavioural analysis, representing 15–20% of tracked Group revenue. • Designed and managed the omnichannel loyalty programme to drive engagement, purchase frequency and customer value. • Developed service propositions and innovation linked to key consumption categories; managed strategic B2C/B2B2C credit and insurance partnerships. • Managed approximately €300m in credit outstandings and €500k per year in marketing and communications budgets. • Led major cross-functional programmes covering payments, new partnerships, portfolio migration and card reissuance.
• Coordinated activities across 5 stores and supported the local implementation of commercial and marketing initiatives
• Led local marketing activation, loyalty and customer relationship initiatives; supported the rollout of local and national commercial campaigns.