SENIOR FINANCIAL ANALYST
NATIONAL BANK OF KUWAIT
Total years of experience :19 years, 11 Months
Responsible for evaluating, reviewing, managing and understanding stakeholder
requirements including analysis of business processes across the Consumer Banking
division.
• Analysis of P&L for each Product as well as consolidated P&L for Consumer Banking and
tracking variances against previous year and Plan
• Liaising with various business units for the preparation and consolidation of financial plan
for Consumer Banking
• Review and recommendation of loans and credit card write-offs for skipped/deceased
customers.
• Preparation, consolidation and analysis Branch Banking P&L
• Branch feasibility analysis
• Calculation of loan branch margins for all 68 branches on a monthly basis
• Analysis of credit card campaign results to confirm that the campaign objectives are met
• Tracking of all monthly expenses for Consumer Banking including KNet, FDI, SMS,
Marketing & Advertising, and ensuring that the costs do not exceed plan.
• Monthly review and confirmation on the Specific Provisions
Major Career Achievements
• Spearheaded the Collections ‘Intellect Collect System’ implementation, coordinated with
IT Project Management, Vendor and Business Stakeholders which resulted in 40%
Collection growth
• Collaborated with stakeholders in new product launches
• Integrated ROI process in evaluating Marketing Campaigns and Cards portfolio resulting
in an increased product penetration by 15 & 20%
• Articulated key strategic priorities; ensuring alignment with overall group objectives
• Steering Committee member for the Cost Containment project which resulted in a cost
saving of ~USD 2.5M
• Mentoring of newly recruited and fresh on-board financial analysts for greater
productivity & understanding to help achieve the objective of the team
• Conducting training and workshops for Branch Managers and newly-inducted academy
students
• Annual financial planning and forecasting, consolidation of the business plans into a
management summary and aggregated P&L at a Consumer Banking Group level
Miji Titus
Résumé Miji Titus Page 2 of 4
Career Evolution
Senior Manager National Bank of Kuwait Apr ’18 - Feb ‘22
Manager National Bank of Kuwait Apr ’16 - Mar ‘18
Senior financial Analyst National Bank of Kuwait Nov ’10 - Mar ‘16
Managed analysis of repair estimates and provided recommendations. Responsibilities also
covered monitoring of Vendor Management and Contract Administration, Service Standards
across processes with the objective of providing timely, competent and error-free service.
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