Business Analyst and Planning Manager (Retail Banking)
Saudi Hollandi Bank
Total des années d'expérience :18 years, 11 Mois
• Build and manage the NPV based incentive scheme for entire retail banking (900+ branch and direct sales staff).
• Integrated all sales force process for retail banking into the incentive Scheme for better performance monitoring management.
• Present sales, revenue and expenses reports and realistic forecasts to the management team.
• Building and managing on the customer experience strategies, Customer Segmentation in line with the loyalty management and campaign management program for retail banking.
• Designing and implementing a strategic business plan that expands bank's customer base and ensures its strong presence.
• Provide data analysis to the higher management of retail banking products, customer segmentation and customer behavior in line with the bank growth strategy.
• Identify emerging markets and market shifts while being fully aware of new products and competition status.
• Leading the customer-centric data hub for retail banking, which allows to performer 360-degree analytics on the customer behavior, customer experience, Product mix, product management and portfolio management of the retail banking?
• Developing High-Level BRD’s, and driving as a BA the for retail management projects.
• Lead workshops and work closely with end users in order to translate business needs into functional requirements
• Managing and processing the change request management for enhancements and fixes for retail management projects.
• Responsible for developing and maintaining relationships and act as a business primary point of contact.
• Working with IT to track the delivery of the requirements for all agreed projects for Retail banking.
• As business Validating and approving the changes which are implemented as requested for the Projects / Change requests.
• Custodian of Change Requests process, Information Security policies, compliance, and banking procedures for OLAP and Retail banking Incentive Scheme.
• Work and liaise effectively with system vendors, IT staff, and others to ensure achievement of required goals. At all times maintaining a professional image, guarding the banks interest & observing good work ethics.
Based on the Customer Relationship Management strategy, build analysis and dashboards for higher management.
• Assist business in building the RM contact policy (rapport building) for better portfolio management.
• Identifying key KPIs that need to be tracked and reported on a daily/weekly/monthly basis
• Generating the reports based on the KPIs for monitoring RMS/IA performance.
• Generating trend analysis and based on them provide a key recommendation to the business for sales and services initiatives.
• Build the client segmentation and allocation process for Customer Relationship Management.
• Establishing the lead management process in CRM and performing the reporting for business monitoring and control.
• Working as data steward and building the data guide for CRM and Data warehouse mapping.
• Assist in building the Data warehouse for customer centricity and CRM analytics.
• Integrating the business processes in the CRM system and performed varies analysis based on the business requirements.
• Identifies options for potential business and assessing them for both technical and business suitability.
• Assist in designing a strategy for CRM/BI/DWH and also Implement CRM solution and modules that will enable Bank in, Develop roadmap, feasibility, and Return on Investments (ROI) for Enterprise CRM and its strategies.
• Performed End to End (E2E) Business Requirements gathering and analyze business requirements in detail including BRD, SRS, processes. etc and map them to current and future business activities and system implementation for Bank’s Enterprise CRM.
• Working as Business Analyst Functional for the Implementation of (SIEBEL CRM, BI and Data WH).
• Integrate Business with IT to provide the best possible solution of the business queries and issues.
• Performed End to End (E2E) Business Requirements gathering and analyze business requirements in detail including BRD, UVD, processes. etc and map them to current and future business activities and system implementation for Bank's Enterprise CRM.
• Collecting, understanding, and transmitting the business requirements for the project/product, and translating these into functional and non-functional specifications.
N.V.) Jan-2011 to March-2014
AS Business Analyst with a proven track record and several years’ experience in Product Policy Management, implementation and integration with an excellent rapport with Internal Clients, senior management and regulators. Extensive experience in the Data Analytics, B2B process implantation and integration, Stress Testing, well-rounded exposure as a people manager, MIS and Business Analytics. Has extensive experience to Supervise the analysis and design of CRM enhancement initiatives, and support of the Bank’s customer relationship management processes and systems gained with proven communication and problem-solving skills to guide and assist the stakeholders on issues related to the design, development, and deployment of CRM critical to business operations & Development and configuration of CRM workflows pertaining to CRM applications.
Conduct research on new and emerging CRM technologies or technologies that can be leveraged through existing CRM investments. Specific areas of expertise included implementation, Integration and vetting of valuation of Loan Originated System, Incentive compensation, Account opening, Request Management System, Complaint Management System and other CRM models, along CRM integration with Core Banking System, Cards systems and other banking systems and control procedures used in financial institutions with structured products and complex campaign’s targeted audience and ensure that agreed Business requirements are compliant with the overall Bank’s Technology and Business strategy. Custodian of Change Requests process, Information Security policies, compliance and banking procedures on the CRM.
Extensive product knowledge and technical expertise combined with a thorough understanding of derivatives of different bank policies, products, and control processes. A reliable problem solver and troubleshooter coupled with project coordination and reporting skills, with solid quantitative knowledge and excellent computer background.
My Key Responsibilities
• Assist in designing a strategy for CRM and also Implement CRM solution and modules that will enable Bank in,
a) Acquiring customers.
b) Retaining customers.
c) Growing customers.
d) Gaining customer insight.
• Assist one up in designing CRM architecture. Ensuring that the CRM implementation is:
a) Realistic & cohesive with the existing infrastructure
b) Robust and efficient
c) Adds value to the CRM concept
d) Compliant with FBL regulatory/ audit/ compliance requirements
• Develop roadmap, feasibility, and Return on Investments (ROI) for Enterprise CRM.
• Performed End to End (E2E) Business Requirements gathering and analyze business requirements in detail including BRD, SRS, processes.etc and map them to current and future business activities and system implementation for Bank’s Enterprise CRM.
• Interacting with internal customers across all Bank’s touch or channel points and working closely with them, analysts examine existing business models and flows of data, discuss their findings with the client, and design an appropriate improved IT solution.
• Coordinate with Project Manager and end Users in regard business requirements and engage in multiple projects phases as required such as SIT, UAT. etc
• Provide technical expertise and business recommendations in assessing new projects and initiatives to support and enhance the business solutions.
• Troubleshoot technical issues and identify modifications needed in existing applications to meet changing user requirements
• Business level Administration of Siebel CRM for all business user applications.
• Enhancement of existing workflows, menus, views, applications to achieve business objectives.
• Ensure that agreed Business requirements are compliant with the overall Bank’s Technology and Business strategy.
• Manage the process of enhancing existing systems and proposing efficient technical and commercial solutions to satisfy these requirements.
This position is of Risk Analyst, in the Risk Policy Unit based in Faysal Bank Ltd Karachi - Pakistan with responsibilities of having worked with top management team of Faysal Bank and developed bank-wide Credit Policy Manual that impacted 6 out of 12 major functions of Bank and around 55% of Bank’s total assets performing assigned Unit responsibilities and is presently guided by the Chief Risk Officer on specific tasks including:
Modulating Risk Data and Risk Reporting Templates performing assigned Unit responsibilities and is presently guided by the Chief Risk Officer on specific tasks. My job portfolio also includes Portfolio quality monitoring and underwriting, credit portfolio risk analysis, industry analysis, loan application recommendation and analysis for the Banks major corporate clients and red flag issue resolution. In addition to this, I have been involved with stress testing on credit portfolios and successful development and implementation of risk rating models for Credit segments.
Prior to that was part of the Retail risk management team and working as Senior Portfolio Analyst (Credit Risk Management) Retail Risk Group where I was responsible for the following.
•Core member of “Basel II Model Development Team” in Pakistan for Credit Risk Management, which is working in developing logical segments (Analyzing Standardized and IRB approach for Model Building of PD, EAD and LGD) in credit portfolios ( Credit Card, Personal Loan, Autos and Mortgage) that would help in deciding which techniques would be feasible for allocating capital for infected portfolio.
•Coordinate with Regional Basel-II frame work team for the Basel-ii methodologies calculation of (PD, EAD and LGD) and regional data warehouse realization.
•Documentation of all the technical language used in developed databases for calculating the Basel-II methodologies which interprets the business logics for regulatory compliance and internal and external audits.
•Development and validation of Score Cards for secured and unsecured portfolios as per Basel II guidelines.
•(Bank wide, by segment/ product / customer) Retail Risk Analytics for all Consumer portfolios (Credit Card, Personal Loans, Auto Loans and Mortgage) and also worked on Retail SME Collection strategy and MIS.
•Keeping track of delinquent accounts, which have been segmented in different risk categories based on behaviour score, for effectively managing distinct portfolio segment.
•Worked on monthly Retail Risk business review presentations, market analysis, and data scrubbing project, cross product blocking (CLD), building of prudent financial models which helps in forecasting/budgeting credit losses and capacity plan for proactive management actions and also performed stress testing on consumer credit portfolio adjusting for impact of rising cost of doing business.
•Prepared Collection MIS and iS-WAS Analysis for daily monitoring of collection performance.
As a Business Analyst and Portfolio Manager in Retail Branch Banking Business, based in ABN AMRO Country Office, Karachi - Pakistan the position entails developing various compliance, process & control related procedures to facilitate completion of documents and minimization of risk exposure.
Support the stakeholders for the continuous development of products, processes & key MIS to facilitate achievement of targets of 46 retail branches and Leading the Team by developing and presented portfolio forecasting, balancing, and branch productivity analysis to branch managers, independently developed and designed financial models for branch banking business by maintaining the historical financial and demographical data.
The major accomplishment was attained by Building a Business Intelligence Unit (BIU) for Retail Branch Banking Business.
Lead the Data Mining and Data cleaning project. Also was working on the cost initiative projects and identify the gaps through data deep diving and inline the branch P/L with the actual cost.
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