Yumen Taleb

Credit Analysis • Financial Research/Analysis • Credit Risk Assessment • Credit Policy Development • Liquidity and Operational Risk Analysis • Operations Analysis • Stress-Testing and Sensitivity Analysis • Sanction/ Disbursement • Client Servicing • Portfolio Performance • Risk Reward Strategies • Market Intelligence • MIS Reporting Relationship Management • Compliance • Team Management • Process Improvement • Banking Operations 

15+ years of progressive experience in the Islamic and Conventional Banking and Finance field across streamlining entire risk administration/analysis of retail banking portfolios, establishing risk framework, policy and practices and developing as well as implementing effective risk covers strategies. Extensive exposure in credit risk, compliance and audit management, banking operations - cards, personal loan, Auto loan and Real Estate. Skilled in managing and tracking operational risk events for consumer assets products, and following up remediation activity. 

Delivered strengths in credit appraisals/ analysis, risk analysis, documentation, sanction, and post-sanction follow-up, and risk disclosures requirements. Ability to analyze physical and financial performance with analysis of profitability, leverage/solvency, liquidity and debt service ratios. Demonstrated success in introducing significant measures in eliminating the revenue leakages and losses by providing credit and risk oriented business solutions

MBA