SUMMARY:

• Responsible for evaluating current pricing, monitor market competitive offers and develop pricing for new accounts booked thru DM & Non - DM channels; due diligence on estimated cash flows, derive optimum pricing by demonstrating multiple pricing scenarios to product & management teams; analyzed costs(origination & servicing), revenue and losses; new pricing initiatives for strategy/segmentation changes
• On regular basis supported DM campaigns by evaluating success of past campaigns, introducing tests for pricing & promo offers, and working with marketing and product teams to establish the campaign objectives and assign optimum pricing for each cell.
• Developed interactive tool to analyze KPI’s (forecast vs. actual) by each campaign, cell and objective
• Monitor competitor rates, monthly production and profitability; Implemented changes to pricing (shelf rates), fees and terms for all products; revised pricing segmentation; developed KPI’s to track forecast vs. actual; proposed changes for line assignments by new segmentation
• Responsible for creating annual plan on production units, balances and yield, quarterly reforecast and monthly updates; provide management with summary on annual plan, quarterly reforecast and monthly updates; regular monitoring on current portfolio trends (leading indicators), work with stakeholders to assess ongoing initiatives and risks
• Created a quarterly dashboard with KPI’s on account profitability by Product, channel, open cohort and other key segments.
• Summarized the insights connecting to recent strategy changes; proposed new initiatives to be competitive in the market
• Supported account management initiatives to improve account active rate, lower attrition and improve profitability
• As a SME supported project for seamless data conversion of existing Acquisition system to a newer version.
• End user communication on the system conversion, built data dictionaries, and provided guidance to technology and data management teams
• Lead the initiative to build interactive analytics using latest tools (Qliksense, Qlikview and Tableau). The new tool helped to track Actual vs. Forecasted measures of each Direct mail program, ability to track from end to end details such as Mail quantity, Response rate, Accounts booked and performance for Month 1 thru 60 by each cell, product, promo offer and incentives. The interactive tool helped management to visualize the benefits of each program and take decision instantly. We have used QLIK Sense technology to build an internet based front end, helps easily navigate a selected cell/product/program from end to end of a Credit Card life cycle
• Support periodic compliance reviews, answer the queries from regulators and provide the required evidence
• Team: Train new team members on Credit card portfolio and analytical processes, constant review of existing processes, methodologies and act as a role model
• Responsible for launching new Commercial Card products on a new platform ( Confidential ), understand the current state, gathering product requirements for the new Commercial products on Confidential, worked with stakeholders and documented business requirements for each of the work streams. Key stake holders include Confidential (Solution provider), IVR (Technology & IBM), statements (Symcor), card management (G & D), accounting, finance, marketing and fraud teams. Organizing the regular meetings, and worked with project manager to update action items. While requirements get into a shape created change requests (OMR), development request for Confidential changes, and worked with internal Confidential partners for finalizing Confidential options for new products
• Understanding existing IVR call trees, and develop new IVR call trees for new commercial products
• Worked with G&D partners to convey the business needs and finalize the requirements for the launch of new products on Confidential

TECHNICAL SKILLS:

• Knowledge and experience in Analytical tools & skills such as Qliksense, Qlikview, SAS, SQL, Microsoft SQL Server, Hadoop, Tableau, Trifacta, Teradata, R, Python and DB2
• Proficient in MS Office suite Excel (pivot tables, macros and built complex models with dynamic reference), Visio, Word, PowerPoint, Access and OneNote
• Expertise in large scale banking applications using COBOL, CICS, JCL, IMS etc.
• Knowledge and experience in Web technologies

PROFESSIONAL EXPERIENCE:

Confidential, NA

Responsibilities:

• Simulated profiling of Confidential customers, leverage bureau data to identify potential customers and their behavior post acquisition.
• A key contributor for Confidential acquisition (from CIBC) project from proposal stage and till the implementation
• Devised methodology to capture population with significant change in account behavior primarily to protect the existing book from competitive offers in the market
• Supported retention efforts to establish Loyalty team to save the accounts.
• Developed reports with key insights on save rate and lost opportunity for the calls handled using PEGA workflows
• Share of wallet analysis for Confidential Card position in wallet, explored potential opportunities and worked with marketing team to devise DM campaigns for target population
• Supported business team to Securitize Confidential Credit Card business by providing SME on Portfolio reports, regulatory reports for rating agency, prospectus and helping with end to end process implementation
• Influenced strategy changes to counter fraud occurring from overpayment/check deposits; developed KPI’s on fraud dollars by acquisition channel and linked insights to fraud rule changes
• Developed expertise in customer risk profiling, monitor delinquency by product and various segments and forecast the RAM (Risk adjusted margin) for each segment
• Value addition analysis on authorized user accounts, provided detailed break-down on pre & post performance measures.
• Calculated a net-lift in NIBT upon adding an authorized-user to an existing account, used it for marketing campaigns to target the existing customer base
• Life cycle study on student & secured visa cards, observed trends and growth in net revenues on graduated students and no longer secured cards
• Calculated pay down rate on Promo BT$ originations and derived NII at account level.
• Estimated impact of government regulation (payment) change on Promo Balances. Used pay down rate for forecasting portfolio balances.
• Identifying target population for $10 Credit on inactive accounts, business travel cards for SBB customers, CLIP for high spend tiers, X sell programs and post campaign study on several campaigns
• Forecasting and impact analysis on Interchange fee structures
• Often dealt with time sensitive high priority request from senior management, helped them with key insights and suggestions.
• Deep dive on Credit Card Attrition, framework retention initiatives
• Determined Credit card penetration on TDCT customer base, explored total credit exposure and money in, analyzed by various customer segments (Age, Prov etc.)

Confidential

Responsibilities:

• Identified the process gaps in annual fee billed on credit card accounts, a prime contributor from initiation till implementation of the project to fix the process gaps. Gained experience in dealing with various partner groups across the bank.
• Supported credit card product migration initiatives
• Initiated changes to options set up for promotional offers for monitoring pay down rate
• Supported Acquisition team with end-to-end process maps on credit card application approval, improve the approval rate and cut down the rejection rate due to missing information

Confidential

Responsibilities:

• Lead the initiative to build Credit Card Data warehouse for Credit card business team, holds data for suite of Confidential Credit Card Products, and to cater the Credit Card needs of all bank customers. Having experience in large scale application systems, helped me to lead and contribute for building the data warehouse for Credit card business
• Built centralized definitions for key business measures, definitions for market share active account regulatory report, attrition report, account acquisition report and vintage reports
• Highly skilled in dealing with large and complex data structures across multi platforms, extracting and ability to analyze quickly
• Expertise in Confidential Data structures (Credit Card), leveraged Daily balance information for accurate cost of fund calculations
• Trained team members with knowledge on Confidential process and data structures

Confidential

Responsibilities:

• Gap analysis on vision plus credit card system interfaces and a case study on Confidential options
• Due diligence on existing workflows and understanding Confidential & PEGA work flows for Dispute processing EOD settlement. Documented use cases for each work flow, highlighted advantages of each system for a given scenario
• Lead the team to deliver interface specifications for transaction processing module
• Lead the team to develop online access module, to produce design specifications for online access module and developed technology. This process retrieves visa information from local data store and feeds online requests from all channels.
• Developed reverse mapping modules for mapping Confidential data to match with vision plus values
• Design & development of customer link interface module.

Confidential

Responsibilities:

• Developed COMPASS interface system for RFX (Foreign exchange), enhancement of AMEX processing for RFX
• Lead a team to convert all existing DDA reports from easytrieve to SAS & COBOL
• Maintenance of Investment system, supporting to production problems, provide alternate solutions and handling enhancement requests
• As a business analyst, supported eBA project with requirement document and till implementation

Confidential

Responsibilities:

• Established the process for sweeping as per Confidential set-up. Also supported cross-border sweeping facility for corporates moving the funds from one country to other country
• Key contributor for COSMOS to Flexcube conversion project, created gap analysis documents, functional specification and data definitions
• Worked as primary production support for corporate banking systems, handling online users to provide quick alternative solutions and fix the bugs on the spot. Making sure the overnight batch programs are completed on time for online to be ready for business use. Often dealt with high severity problems critical business applications (LM & COSMOS batch) with tight SLA times (< 2 hrs)
• Development of RTGS interface HK dollar payment system
• Enhancement of SWIFT & MERVA, supported FT systems for interbank and cross border fund transfers. Acquired good knowledge on SWIFT messages

Confidential

Systems analyst

Responsibilities:

• Developed expertise to debug and fix the complex problems
• Hands on expertise in building solutions for accounting module