Executive Manager – Retail Risk Analytics
Al Rajhi Bank
مجموع سنوات الخبرة :19 years, 6 أشهر
- Al-Rajhi Bank is the world's largest Islamic bank, the region’s most profitable bank with a Market Capitalization of US$ 30 Billion - Currently oversee the Retail Risk portfolio performance reporting, MIS & Business Support which includes Budgeting & Forecasting, Cost Management, Business Intelligence and Analytics.
- Analyze data end-to-end including extraction, manipulation and validation.
- Successfully developed & implemented a fully automated Data Mart for Retail Risk using SAS.
- Write complex SQL queries to perform data analysis for portfolio actions and ad-hoc reporting. Carry out in-depth analysis of customer behavior through data mining and advanced statistical analysis using SAS.
- Lead the project of Retail Scorecard Model development with EY (vendor), assisted the development team for smooth execution through different phases.
- Successfully implemented the Retail Application Scorecards on loan origination system "CTF" which helped the Business to take better credit decisions, during new acquisitions.
- Successfully implemented the Behavior Models (full suite covering PD, LGD and EAD) on SAS for all retail products, which provides insight for better portfolio management.
- Validate and maintain Retail Scorecards on SAS platform across all product groups, key validation metrics includes model discriminatory performance (GINI) and model stability (PSI) analysis.
- Successfully implemented IFRS-9 accounting standards, responsible for managing end-to-end project including data management, staging rules preparation and lifetime PD model design across retail product portfolio.
- Monitor actual performances against budget & forecast and recommend actions, where applicable.
- Designed and implemented strategies to sync with the Group Collections Strategy & Business priorities where different projects were developed to create direct impact on Net Revenue & Cost Reduction.
- Lead the rollout & successful implementation of Balanced Scorecard for Collections & Recovery.
- Successfully implemented Intensity based Scoring Model using SAS for Credit Cards & Personal Loan which helps the business in reducing cost & resource optimization.
- Successfully implemented Bureau based Risk Rating Model using SAS for Recovery of Unsecured Products, which helps the business to identify the propensity of recoveries.
- Supervise the team to monitor Collection systems & participate towards continuous improvement for system development and new queuing strategies.
- Managed team to deliver Daily Collections MIS & comparative analysis, preparing monthly reviews and other management presentations, covering aspects of costs, portfolio performance, opportunities, threats, delinquencies and flows.
- Lead the rollout & implementation of FCR Project (SMS Functionality) which helps the end-user to update CACS through SMS. This project helps the business in utilizing the system in a more efficient & timely manner.
- To deliver detailed financial and behavioral/trend analysis and robust forecasts.
- To prepare Debt Charge budget in consultation with Risk team.
- Review LI number to determine variance against budgeted figures, monitor loss lines and GL reconciliation with host system.
- To evaluate the performance of existing predictive analytical models and demonstrate any need for enhancement or improvement.
- Supervised team to prepare packs/reports such as Vintage Trend Analysis packs, cost packs, MIS decks, Dashboard and CRO Deck and other Group Reporting.
- Successfully implemented the MI framework for Small Business (SB) & Medium Enterprise (ME).
- Supervised team in developing portfolio performance analysis/reports which help business in achieving BASEL-II and regulatory requirement.
Achievements:
- Designed & developed the DATA WAREHOUSE for Consumer Credit comprising of all CB Products (Population approx 26.5M records). Worked as a Project Manager, involved in the following tasks: Design & Build of Database; Investigating & interpreting trends and patterns in data; Determining data quality and recommending data improvements; Preparing business cases and project plans; Provide technical assistance, advice and use database design knowledge to recommend and develop data solutions; Develop technical documentations; Automated Packs/Reports like vintage trend Analysis Packs, MIS Deck, Dashboard and CRO Deck.
- Member of a taskforce for GTO Project, instituted to design more robust controls & procedures for CB - MESA Region; following initiatives were taken by the forum:
(a) Standardized DOIs for MESA Region;
(b) Exceptional handling reports;
(c) Development of automated processes to increase better decisions & business efficiencies.
- Risk assessment and mitigation in the consumer portfolio.
- Analyze the portfolio growth trend by demographics and financial information.
- Analysis for cross product Delinquency amongst Consumer Products.
- Monthly MIS required by financial control for reporting of Write-Off and NPL.
- Supervise team for smooth execution of Debt Manager & other small IT Projects.
Achievements:
- Developed an in-house module - eCIB (Bureau Software) based on Oracle & Visual Basic 6.0 for Credit Initiation Department. It is basically a decision tool used for calculating actual Debt Burden of a customer based on his or her internal/external availed consumer loans; also make a decision based on the existing bank’s eCIB Policy.
- Has successfully implemented Debt Manager v6.2 for UAE Operations, worked as a Business Consultant; visited Dubai various time in 2007 to train the trainer for onward guidance to UAE operational staff with respect to Debt Manager.
- Assigned as a Product Manager for unsecured products i.e. Cash Line & Business Line; responsible for product issues, operational issues, MIS reporting and product enhancements on host system. In addition, also assigned to enhance the MIS reporting and data structure, by introducing standardized MIS formats and improved data mining techniques.
- Assigned as a System Administrator for Debt Manager, responsible for product enhancements based on the current requirements and strategies of the department.
- Responsible for Monthly MIS required by financial control for reporting Write Offs and Non-Performing Loans.
Achievements:
- Developed an in-house Collection Portal which is integrated to all host systems; besides this developed DM - REPORTING MODULE which provides an automated solution to the daily process of reporting and automated analysis to the higher management.
- Responsible for MIS reporting for all Consumer Products (Assets & Cards Business) such as Product Delinquency Report, WAS/IS Analysis, Collector Performance Report, Incentive Tracking. Cycle Cut Report & Performance Analysis for Cards on every Cycle Cut.
- Monthly MIS required by Financial Control for reporting of Write Offs.
- Capacity Planning & Departmental Budget preparation & monitoring.
- Feedback to NCM for improvement and changes in product features (target market, terms and conditions) which helps collections to upgrade or repair the Portfolio.
- Had been also assigned as a CTL Coordinator, mainly responsible for re-designing the Collection Module.
Achievements:
- Developed an in-house Collection Module based on HTML, ASP and MS Access, which provides an interim solution for Collection Works.