Timur Isaev Riskless Finance Inc.   9321 Spectrum Irvine, California 92618 Соединенные Штаты   the95fm@gmail.com   https://orcid.org/0009-0006-0720-522X   Biographical Sketch: Timur E. Isaev is a Financial and Investment Analyst at Riskless Finance Inc. (USA) with 11+ years of quantitative work in banking, brokerage and SME advisory practice. His work spans risk management, credit risk, financial markets and investment-project evaluation, including stress-testing and VaR/CVaR/GARCH frameworks. He has published four peer-reviewed articles.   Primary Research Focus: Financial risk management: credit risk, stress testing, VaR/ES backtesting, GARCH volatility, SME finance   JEL Areas: G : Financial Economics C : Mathematical and Quantitative Methods