Expert Details
Credit Cards Product Development, Portfolio Management and Business Analytics
ID: 733563
Texas, USA
Key Achievements
• Won the Freddie award for the best co-brand affinity card (Etihad Guest Visa Card).
Launched 3 credit cards during my career span
a) Etisalat Signature – Largest Telecom service provider service provider
b) Rotana Rewards Exclusive - First Hospitality card in Middle east region
c) Spice Card - Specifically tailored for the expat segment living in the United Arab Emirates
• Rationalized the Credit Card Product Suite of Barclaycard UAE business from 18 product types to 3 core products.
• Setup & launched Personal loan on Card - Offering up to 8 multiples on the existing Salary with flexible payment terms.
Statistics on Retail banking revenues generated revenue achievements:
• Managing revenue line of USD 140M
• Balance sheet of more than USD 650M
• Card Usage of USD 3.4Bn
System implementation
• EMV chip compliant - Spearheaded the re-carding project with minimal impact to the customer base.
• Implemented a SQL based Data warehouse solution along with a SAS based analytical platform to assist in portfolio management.
Qualifications:
• I.Com from DHA College for Men in 1999
Education
| Year | Degree | Subject | Institution |
|---|---|---|---|
| Year: 2003 | Degree: BSc. | Subject: Computing in Information Technology | Institution: Staffordshire University (UK) |
Work History
| Years | Employer | Title | Department |
|---|---|---|---|
| Years: 2010 to 2016 | Employer: Barclays Bank | Title: Head of Cards Portfolio Management | Department: |
Responsibilities:Barclays Retail Operations was sold to ADIB in Sept ‘14• Lead and own strategies on portfolio building and sustaining the balance sheet for all cards. Drive P&L for cards using portfolio actions. • Responsible to launch new credit cards and owning the product proposition across all card products (Credit Card, Debit and Prepaid card).x • Manages, develops, and implements marketing activities to maximize sales of an assigned brand • Works with various stakeholders and technology partners to design and maintain effective information systems. • Ownership for overall Cards Business financial budgeting & traction. Also responsible for identification of revenue growth. Drive Sales to acquire new acquisition through Feet on street and alternate channel. • Managing the co-brand partners Etihad Airways (Travel), Etisalat (Telecom) & Rotana (Hotels) and closely working with schemes Visa and MasterCard. • Analyzes brand performance, brand competitiveness, and product trends in the marketplace and develops strategies for assigned brand based on research and analysis. |
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| Years | Employer | Title | Department |
| Years: 2007 to 2010 | Employer: Barclays Bank | Title: Business Planning & Analytics Manager | Department: |
Responsibilities:• Ensure the effective and timely traction of Cards & Asset Business financial and portfolio indicators.• Identify expense control opportunities on proactive basis at consumer banking level; closely monitor the indirect allocations to support business in reducing cost. • Provide timely analysis of financial results of Business and highlight exceptions. Review country performances vis-à-vis budget. • Responsible for creation and customizing reports through data-warehouse. • Set up checkpoints and every month at each checkpoint validate that all the mentioned processes are being followed in principal. • Product Profitability Reports for new product launches and ensure RoE (return on equity) and RoRWA (return on risk weighted assets) meet the hurdle rates. |
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| Years | Employer | Title | Department |
| Years: 2004 to 2007 | Employer: Standard Chartered Bank | Title: Business Planning Manager | Department: |
Responsibilities:• Analyze Business financials to support Business Head in decision-making.• Assist with development/updating of unsecured strategic plans and initiatives. Participate in unsecured specific projects • Monitor Key value drivers (activation rates, revolver rates, balances, turnover & attrition rates) |
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| Years | Employer | Title | Department |
| Years: 2003 to 2004 | Employer: CITIBANK | Title: Country MIS Officer | Department: |
Responsibilities:• Performance Tracking (channels, personal, products) for all Consumer Asset products• Responsible for Monthly Operational Productivity Reports. |
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Career Accomplishments
| Licenses / Certifications |
|---|
| • Certified of Visa Europe’s Bank Card Business School 2012 course. |
| Awards / Recognition |
|---|
| • Awarded Top Performer Award in the year for outstanding performance - 4 years • System knowledge of Card Pac, Card 400, Prime 3.0, Vision+, Flex cube, SQL and SAS. • Developed a fully functional Hospital Management System using Oracle 7i and developer |
Additional Experience
| Other Relevant Experience |
|---|