Taher

Dynamic and results-oriented International Investment Manager with over 18 years of comprehensive experience in the banking and financial sectors. Proven expertise in managing multi-asset portfolios and leading bank branches to achieve significant commercial growth and operational efficiency. Certified CISI professional with deep knowledge of Islamic finance, UCITS management, and stock market regulations, committed to maintaining the highest standards of financial integrity and client service.

Branch Manager at WFAK INTERNATIONAL BANK (2021-12 – Present)

• Spearheaded the overall operational and commercial strategy for the branch, resulting in a 20% increase in the customer base through the promotion of specialized Islamic banking products such as Murabaha and Ijara.
• Managed a diverse portfolio of high-net-worth clients and corporate accounts while ensuring 100% compliance with internal regulatory frameworks and Sharia-compliant banking standards.

Branch Manager at Banque ZITOUNA (2015-03 – 2021-11)

• Orchestrated the sales and marketing of telematics and magnetic products, achieving a 15% year-over-year growth in branch revenue by tailoring credit solutions including real estate and express financing to client needs.
• Directed daily administrative and cash management tasks for both local and foreign currencies, maintaining a high service quality score and overseeing a team to ensure efficient processing of direct and works credits.

Head of Collective Management at FINACORP Tunisia (2010-11 – 2015-02)

• Led the collective management department by designing and executing investment strategies for UCITS, which involved rigorous monitoring of bond issues, duration, and risk premiums to maximize returns for stakeholders.
• Oversaw the Net Asset Value (NAV) calculation processes using MEGARA software and ensured all fund compositions adhered strictly to regulatory ratios and asset composition rules.

Client Relationship Officer at UBCI BANK, GROUPE BNP PARIBAS Tunisia (2010-01 – 2010-12)

• Managed a high-volume client portfolio by providing expert financial advice and banking services, successfully improving client retention rates by 10% within a highly competitive market.
• Identified and leveraged opportunities for cross-selling various banking products, ensuring that over 95% of assigned clients utilized at least three core bank services.

Portfolio Manager at MAXULA BOURSE Tunisia (2008-01 – 2010-12)

• Pioneered the creation and management of diverse Mutual Funds (FCPs), including Dynamic, Prudent, and Balanced options, which significantly broadened the firm's market offering and attracted a 25% increase in managed assets.
• Performed deep-dive financial valuations using DCF and PER methodologies to guide investment decisions and monitored corporate actions such as capital increases and dividend distributions for a wide range of equities.

Internal Audit Manager at MAXULA BOURSE Tunisia (2006-01 – 2008-12)

• Established and enforced robust internal audit procedures for stockbroking activities, ensuring that all trades and back-office operations met the stringent requirements of the Tunis Stock Exchange.
• Conducting regular audits of stockbroker and UCITS procedures to verify adherence to regulatory ratios and issuer composition rules, reducing operational risk incidents by 30%.

Postgraduate Specialized Diploma (DESS) in Banking and Financial Markets – XYZ University (2003-01 – 2003-12)

Supplementary IT Diploma in Computer Networks – XYZ Institute (2001-01 – 2001-12)

Master's Degree in Finance – XYZ University (2000-01 – 2000-12)

First-cycle Diploma in Quantitative Methods Applied to Economics and Management – XYZ University (1998-01 – 1998-12)

Baccalaureate in Mathematics – XYZ School (1996-01 – 1996-12)