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Work Background
Alliance Bank Malaysia BerhadSenior Vice President
Apr. 2022Commercialization lead for business banking 1.Strategic planning for Business banking 2. Driving business results with P&L accountability for innovation projects 3. Optimization of customer journey 4. Own overall delivery of project objectives and alignment with key stakeholders 5. Define project timelines, milestones, key deliverables and project governance.
Alliance Bank Malaysia BerhadVice President
Jan. 2018 - Jul. 2022Malaysia1. Strategic planning for SME and Transaction banking (setting direction for growth) 2. Board / management updates on key performance and business plan to support business growth 3. Identify key gaps witihin business banking division and propose/prioritize initiatives to support business growth 4. Market / competitor analysis 5. Business planning activities e.g a. conduct feasibility studies on new opportunities including business / financial impact b. acquisition strategies (where to find growth) c. New value propositions for target segments 6. Lead large scale projects for Business banking innovations (Accountable Executive role) a. Drive business results with P&L accountability (overall business planning / strategy development work) b. Optimization of customer journey (to maximize sales opportunity and improve service) c. Own overall project delivery of project objectives and alignment with key stakeholders d. Define project timelines, milestones, key deliverables and project governance (including updates to management committee) e. Tracking and resolving issues / escalation 7. Developed risk adjusted return on capital (RAROC) to track overall product / division profitability
Alliance Bank Malaysia BerhadAssistant Vice President
Jan. 2011 - Dec. 2014Kuala Lumpur, Malaysia1. Defined business banking key performance index and budget for financial year based on growth rate 2. Analyzed internal data and competitor analysis to understand locality of SME presence in Malaysia to effectively reach larger SME landscape and repositioning of branch networks 3. Developed financial model to support SME expansion (sales team) - to aggressively pursue larger market share and tapping high-growth locations 4. Developed tracking mechanism for key product: Wealth, Loans and Treasury products - to track momentum of the sales growth 5. Developed sales performance scorecard for SMEs and Corporate segment - to manage individual and team sales performance (actual vs target) 6. Developed repricing model for SME - using risk level data to segmentize target segment and statistical distribution analysis to estimate minimum threshold for upwards repricing 7. Involved in channel distribution project - identify opportunity in segmenting right boundary for branches to pursue SME customers and craft KPIs and incentive plans for branch personnel 8. Developed account planning tool for Corporate segment - tools that assist sales team to review Corporate customer for accounts review 9. Prepared quarterly business review deck (SME, Commercial and Corporate) for management review and key priorities for upcoming challenges 10. Drive targeted campaign to drive profitability I.e OD campaign to increase utilization based on transactions behavior 11. Activation of inactive depositors – understanding customer demographic (i.e tenure with bank, balance stickiness etc) and transaction behavior to cluster types of depositors (low, medium and high) and execute several pilot campaign initiatives 12. Developed understanding of main-banker relationship (using internal and external data to analyze level of bank exposure for proactive risk management and deepening wallet of share)
Standard Chartered BankSenior Business Analyst
Sep. 2007 - Jan. 2011Kuala Lumpur, Malaysia1. Developed customer profitability analysis (Project BVL2-Building Value Leadership) to understand revenue contribution by different customer type (i.e lending only, lending with transactions etc) 2. Developed product per customer analysis - to understand stickiness of customer between borrowing and non-borrowing customers; between smaller SMEs and large SME enterprise segment 3. Developed SME data model to support business request 4. Coordinate & assist in warehouse project - Information Management Warehouse Project (to replace existing data warehouse) 5. Develop pricing calculator for current account interest bearing product - simulator to manage product profitability based on tier rate
Standard Chartered BankJunior Analyst
Aug. 2005 - Aug. 2007Kuala Lumpur, Malaysia1. Establish an effective MIS architecture to SME Banking area and compilation and extraction of data from data warehouse 2. Responsible for preparing and maintaining the integrity of reports and ensuring reports compiled for external parties are retrieved timely and effectively. 3. Ensure ad-hoc request received for all departments are complete accurately and timely and contribute high accuracy & efficiency in reports delivery. 4. Involve in regional project and system enhancement as UAT tester 5. Assist in defining the product mapping and reconciliation for Basel 2 6. Implementation & monitoring of cross sell/ buy initiative to assist SME business
Citibank MalaysiaAnalyst
Mar. 2004 - Jul. 2005Kuala Lumpur, Malaysia1. Ensure that all database has been loaded successfully. 2. Responsible in ensuring that the server in optimum level. 3. Involve in regional project in response to regional request. 4. Trouble-shooting all database problem such as data error, restoration of database. 5. Backup for local data warehouse operation. 6. Provide assistance for data warehouse user.
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