Subang Jaya, Selangor, Malaysia
Banking experience since 2012, with over 10 years of experience in product, marketing, portfolio management, financial and budgeting planning, operation risk management, credit risk framework, customer profitability, data analytics, support operations and process design oriented. Actively involved and believe in digital evolution, digital partnership, digital journey solutioning.
• Pivot personal banking business to affluent segments through developing affluent propositions, identify new opportunities, process optimization, design and enabler credit policy to profitable segment. • Drive sales channels to meet business objective and target include telesales, third party agents, employee banking, relationship managers
Product Management & Sales Acquisition • End to end process design / portfolio management / pricing strategy / channel management / financial framework (P&L) / Legal & Compliance. Credit Risk Management • Risk Discipline Framework / Credit Test Programs Project Management • Digital Onboarding Journey • Digital Partnership
Promoted from VP1 • 38% YoY growth in unsecured lending sales • 41% growth on end net receivables in 2018 • 51% growth in interest income in 2018 • Driving profitable installment lending through portfolio segmentation & pricing test, customer targeting, cross sell penetration, incentive management and credit test within Cards & Lending products.
•Plan, strategize and implement action plans to achieve product and sales targets. •Drive card business value propositions, card sales and acquisition and spend growth. •To grow personal financing / loan business •To improve cards and personal loan credit performance and cross selling activities •Engagement with third party to grow online acquisition •Business and process re-engineering to achieve better cost and expense management
•Design and drive product marketing initiatives for Debit Card and Personal Loan products in terms of planning, budgeting and marketing activities. •Keep abreast with personal loan and cards market landscape and perform analysis of competition to maintain industry competitiveness •Collaborate with internal stakeholders to ensure that marketing events and trainings are executed as planned •Deployment of product system migration and data cleansing •Actively involved in CHIP & PIN re-carding project to migrate existing debit cardholders to new MCCS and Chip & Pin Card including rolling campaign to increase activation rate
•Responsible for product development and marketing initiatives for Cards and Unsecured Lending Business, Retail product (credit cards, debit, prepaid, Personal Loan) •Design marketing campaign to increase product acquisition and spend •Coordination with internal stakeholders including product, finance, operation, risk, audit, marketing, segments and service function to enable smooth roll out of existing and new products and major campaigns. •Support and execute product portfolio activities to improve portfolio quality and drive incremental revenue •Discover new market opportunity and study existing market segment demands to improve product portfolio and relationship with new and existing customer •Explore business portfolio from other department/products, expand product sales opportunity •To study and explore on pre scrub and BNM guideline, monitor customer behavior and offer attractive campaign •Plan, execute & manage acquisition campaigns for all sales channels from telemarketing, retail to direct sales and nationwide •To prepare user requirements, test scripts, test plans and test data for User Acceptance Test and live test •To conduct product briefing and training nationwide •Deployment of special projects – Skim Prihatin Pendididkan 1 Malaysia (SPP1M) Study Loan
• Act as Financial planner and controller for IBM Global Technology Services (GTS) and Sales and Distribution (S&D) team in China, Taiwan, and Hong Kong Division (GCG – Greater China Group) • Coordinate communication within GCG sales team, manager, Finance director, Chief financial Officer and work with counterparts to control budgeting • Responsible on Bid and Proposal (B&P) funding project validation, code creation, budget control and monitor spending for GCG region • Consolidate monthly headcount report for the purpose of expense estimation and tracking headcount movement
• Act as interface between customer and IBM for Asia Pacific region concentrated on China, Taiwan, and Hong Kong Division. • Coordinate communications with customer and work with counterparts to resolve customer disputes and problems. • Respond to customer fulfillment queries and ensure satisfaction with IBM fulfillment practices. • Responsible on handling all marketing initiatives of IBM for Business Partners (BP) in terms of validating BP performance by using various IBM systems or by using spreadsheet applications (Excel). • To check the eligibility of BP for every particular promotion • Monitoring and calculate achievement of BP and the final calculation of resulting bonus of rebate payment to BP. • Communicate with team members and update various IBM databases and systems with the results of the payment • Provide estimation amount of payment and calculation to do accrual booking before the payment. • To calculate and release the under/over booking amount after payment. • Ensure compliance to all audit guidelines and adhere to all established processes.