Director, CBPA - Consumer Product Performance Management MY

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
• Participate in special projects or committees to ensure successful implementation/ fitting into business requirement
• Work closely with product heads on budget planning to ensure forecasts and projections are realistic
• Review new large scale business initiatives to ensure financial viability (eg: TNGD, New products, Partnerships)
• Assess and support critical analysis for strategic long term partnership deals (Visa and Mastercard, TnGD)
• Provide financial impact and assessments on transactions such as relief programs, HP ACT CCOB Revision Mortgage Legacy and Expense Amortisation projects
• Assess and advise impact on changes in regulations, accounting treatment and provide insights on how best to mitigate financial impact and manage implementation of such changes.

Business Performance Management

• Work on strategic initiatives and execute plans to deliver business plan targets through value added analytics
• 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
• To review new business initiatives, campaigns and investments, incentive designs to ensure good governance & alignment to business objectives/profitability.

Data Analytics & Insights

1. Drive data driven analytics combining financial and non financial data to support new product financial models, new projects/enhancements/initiatives requested by product teams & senior management
2. Provide indepth analytics on business drivers such as Deposits in/out flow, FD pricing by CSD Regions, FD Maturity profile analysis
3. Provide insights on IFRS9 provision movements & tracking of provision overlays
4. Support complicated data extractions/modelling for behavioral analysis of products for purpose of FTP, liquidity and interest rate risk assessments and for regulatory requirements
5. Support critical financial impact and assessments on transactions such as Covid-19 relief programs, BNM regulatory revision assessments & impact analysis, Mortgage Legacy Default rate analysis & post Covid-19 Loan & Deposit attribution analysis.

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
• Coaching & provide career development plan for down liners for sucession planning
• Knowledge Sharing/Building – impart technical and business knowledge within and outside CBPA.

Regulatory Compliance

• Support Group Finance and Group Risk to ensure capital and provisioning methodologies are in line with regulatory requirements i.e Basel, MFRS.
• To ensure changes to regulatory requirements on capital and provisioning are implemented.
• Ensures compliance to regulatory requirements, Bank and Group policies and procedures.