Bilyaminu Sabiu

Risk and Structured Finance professional with over 4 years of experience in credit assessment, portfolio monitoring, risk mitigation, and structured financing within a regulated financial institution. Experienced in evaluating complex agribusiness and trade finance transactions, conducting financial analysis, managing collateral structures, and implementing credit risk controls. Strong understanding of lending processes, portfolio quality management, and risk governance frameworks.

Skilled in stakeholder management, financial modelling, and driving risk-aware decision making.

SIWES Training - Technology Incubation Center, Farm Center Kano - Kano

(2018-01 - 2018-12)

• To learn the processes involved in biofuel production.
• Extraction of Jatropha curcas oil for further processing into biodiesel.

National Youth Service Corps - ST. Anthony Senior Secondary School

(2021-01 - 2021-12)

• Teaching Biology and conduct practical for students.
• Responsible for preparing students for major examinations such as WAEC and NECO.
• Ensuring syllabus for each term is effectively taught to students and concluded timely.

Customer care representative - iSON xperiences

(2021-01 - 2021-12)

• Answer incoming calls and respond to customer inquiries efficiently and professionally.
• Provide accurate information about products, services, tariffs, and promotions.
• Resolve customer complaints, troubleshoot network issues, and escalate complex cases to the appropriate department.
• Process customer requests such as SIM card activation, data bundle subscription, and account modifications.
• Maintain a high level of customer satisfaction by delivering excellent service and adhering to company policies.
• Document customer interactions, feedback, and resolutions in the system for future reference.
• Cross-sell and upsell products and services based on customer needs.
• Follow up with customers to ensure their concerns are fully resolved.
• Meet or exceed call center performance metrics, including call handling time, quality assurance, and customer satisfaction scores.
• Stay updated on company policies, new products, and industry trends to provide up-to-date information to customers.

Structured Trade Analyst - Alternative Bank

(2022-01)

• Conduct comprehensive credit risk assessments for new financing requests, renewals, and restructuring proposals.
• Perform financial statement analysis and cash flow assessments to determine borrower repayment capacity.
• Monitor financed transactions and portfolio performance through periodic site inspections and monitoring reviews.
• Manage collateral structures and coordinate collateral management agents to ensure continuous adequacy of security coverage.
• Oversee insurance and credit guarantee arrangements to mitigate portfolio risk exposure.
• Provide credit risk training and awareness programs for regional business teams.
• Participate in credit approval and greenlighting sessions, providing independent risk perspectives on proposed transactions.
• Support implementation of risk controls and process improvement initiatives through digitization of manual processes.
• Collaborate with internal stakeholders and development partners to strengthen financing structures and improve portfolio quality.
• Field inspection of project financed by the Bank.
• Give support to various Strategic Business Units and regions in respect of Structured finance.
• Conduct periodic review of Structured Financing product programmes.
• Implementation of Structured Financing Credit Risk awareness plan.
• Management of insurance and credit risk guarantee arrangement.
• Collaborate with development partners and government agencies with focus on Structured Financing and financial inclusion.
• Digitization of manual processes.

Dangote Business School (2024-01)

B.Sc - Biotechnology - Federal University Dutse, Jigawa State (2015-01 - 2019-12)

West African School Certificate Examination (WASCE) - Federal Government College Kano, Kano State (2010-01 - 2015-12)

Primary School Certificate - Federal Government College Kano Staff School, Kano State (2002-01 - 2010-12)