Job Description
Provide data driven insights and business recommendations on improving profitability and product performance on key consumer banking products. (Product Pillars: Credit Cards, Personal Financing, Auto Finance, Mortgage, Preferred, Wealth Management, Deposits & Fee Income)
Prepare value added financial performance analysis with insights and identify areas of risk and opportunity for Malaysia specifically in areas related to IFRS9 and RWA.
Monitor and analyse monthly business performance against budget and benchmarking against industry and competitors
Support product managers/heads in assessing new business initiatives & strategic investments to meet Consumer bank's F30 aspirations.
Strategy and Planning
- Facilitate and provide strategic analysis with regards to financial decisions on pricing, product profitability, and evaluations for investment in new products, channels and segments
- Work closely with product heads on budget planning to ensure forecasts and projections are realistic
- Review business initiatives & campaigns to ensure financial viability (eg: Marketing programs, Card launches, acquisition campaigns)
- Assess and support critical analysis for strategic long term partnership deals (Visa and Mastercard, TnGD)
Business Performance Management
- Prepare value added financial performance analysis with insights and identify areas of risk and opportunity for Malaysia
- Monitor and analyse monthly business performance against budget and benchmarking against industry and competitors
- Present financial performance and financials insights for business reviews
- Execute behavioral analysis of products to refine FTP, liquidity and interest rate risk assumptions and for regulatory requirements
- To develop financial models for various product initiatives
People Management & Collaboration
- Support senior product heads to address financial / business related issues
- Close collaboration with peers from Group Finance, Group Risk, Group Strategy and other support units to optimise financial outcomes
- Internal Teamwork – tight coordination required to deliver financial reports, analysis, product and campaign reviews, as well as projects involving CBPA
- Knowledge Sharing/Building – impart technical and business knowledge within and outside CBPA
Regulatory Compliance
- Ensures compliance to regulatory requirements, Bank and Group policies and procedures.
