Muhammad Noman Shafique
Banker
Toronto
Summary of Career
1. I have been in the financial industry for 13+ years where I’ve held various roles covering Analytics, Credit Card Product/Portfolio Management and Risk Management.
2. I have conceptualized, developed and implemented various strategies to enhance Credit Card business values and customer satisfaction. I possess high rated analytical skills with the ability to transform data driven insights into strategies & actions.
3. Hold strong leadership skills with the ability to work in a fast-paced environment, prioritize, think and act quickly. Proven ability to interact with and influence internal and external partners.
4. I have covered multiple geographies including Pakistan, Bahrain, UAE, Egypt and Canada.
5. Proficient in Microsoft Office, SAS, SQL, Angoss KnowledgeSEEKER.
6. Analytics & Planning :> Risk & Portfolio Analytics, Strategic Planning, Financial Forecasting & Scenario Evaluation, Marketing Campaigns’ Profitability & Design, Customer Offer Palette Optimization & Variable Compensation.
7. Management :>Credit Card Product/Portfolio Management, Credit Risk Management, Project Management, Digital Strategy Management, Sales Channel Expansion & Optimization, P&L Management, Peoples Management.
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Experience as Reporting & Analytics Manager
CITI BANK OF PAKISTAN
01 August 2006
07 February 2009
• Preparation of Profit & Loss reports. These show the performance of Citi Cards’ various products by vintage, employment segments, and risk-based profile of the customers.
• Collaborate with Sales, Marketing, Product and Portfolio teams to facilitate effective analytical reports development.
• Forecasting and Planning for the Acquisition, Attrition, Sales, Balance, Revenue and Losses.
• Prepare reports required for regulatory reporting.
Experience as Analytics & Credit Card Portfolio Manager
08 February 2009
31 March 2014
• Designed and implemented various campaigns to increase credit card activation rate at early month on book as well as activation of long term inactive accounts.
• Engaged quantitative portfolio analytics and financial modeling to come up with cashback campaigns for balance transfer and international spend. This initiative contributed 3 times increase in volumes.
• Invested in reward campaigns for inactive customers with exceptional results of 13% activation rate.
• Negotiated credit policy related initiatives to grow credit card acquisition and revenue within the acceptable risk.
• Analyzed attrition trends and Increased credit card retention rates up to 40% by introducing attractive retention offers.
• Revamped limit increase program to uplift limits while staying within acceptable risk.
• Designed and implemented authorization strategies to increase the approval rate up to 88%.
• Built and managed effective Telesales and Retention team: high in productivity, proficient in business values, goals and product knowledge.
• Modernized Reporting, Planning & Forecasting of credit card business KPIs.
• Analyzed the drivers of portfolio mix changes & performance across multiple programs.
• Analyzed and evaluated data to identify customer relationship strengthening opportunities. Increased X-sell eligible database size from 25% to 40%.
• Mentored sales/retention team to increase product sales and profitability.
Experience as Credit Card Portfolio Manager
Citibank
01 April 2014
30 April 2016
• Drove growth in the balance build products for United Arab Emirates & Bahrain. Introduced various strategic initiatives which helped to increase monthly sales by 54%.
• Researched and evaluated data for development of differential pricing strategy to increase revenues from low propensity customers.
• Successfully designed and implemented Cashback, Sales incentive, Bonus rewards, APR discount and X-Sell campaigns to increase the acquisition and customer engagement across all the channels.
• Launched “Loan on Card @ Day1 program”. This brought $4 million incremental volume.
• P&L Accountability for Credit Card Installment products. Planning and forecasting of installment product related KPIs.
• Establish partner profitability KPIs & Increased number of strategic partners to 80 for offering in store easy installment plans. Driving increase in penetration and market share for Citi.
• Piloted 2-Way SMS/Email project, by which customer can get the loan on card without any human intervention by sending SMS or Email.
• Coached all sales/service channels to increase product sales and profitability.
Experience as AVP- Marketing Response Modeling & Analytics
01 May 2016
09 July 2017
• Ensure continuous performance monitoring of Marketing Response Models.
• Work on marketing analytics projects to explore new opportunities, support strategic decisions and measure performance of existing programs.
• Provide support to the Scoring team for development and validation of Scorecards and Loss Forecasting Models.
Experience as Senior Risk Analyst – Acquisition Strategies
TD Bank Canada
10 July 2017
• Leverage the understanding of consumer credit behavior to investigate, create, implement and validate various acquisition strategies, score cards and policies using complex data including cohort time series analysis, develop business cases, perform post implementation monitoring to ensure targets are achieved.
• Revitalized New to Canada and Student programs, Optimized limit assignment to increase profitability and mitigate the risk.
• Identified and implemented pre-approved cards eligibility criteria to increase number of offers. Focused on increasing the exposure within the acceptable credit performance benchmarks.
• Perform detailed analysis & interpret information to make recommendations to Senior Management and Executives on critical strategies including ad-hoc requests.
• Spearheaded the identification, development and implementation of new initiatives, including potentially leading special project teams or cross functional work groups.
• Managed the implementation of AML strategy at Credit Card Adjudication.
• SME on the operational aspects of credit cards systems (e.g. CreditLink, CAPSTONE, Customer Management Triad)
Bachelor 31 July 2005
Bachelor of Computer EngineeringMaster 31 December 2019
Master of Business Administration - In process