Job Purpose

• The main purpose of the job is to deliver high impact, data driven business insights, actionable recommendations, and performance metrics to help management in decision making and strategy execution.
• Abstracting complex data and analytical models that are easy to use, logical and end user accessible tools and dashboards that support monitoring of key business performance levers.
• To set the strategic direction for the delivery and management of a competitive products portfolio offering that aligns with the customer value propositions in order to grow the balance sheet for the products at the right price to achieve business financial goals.

Key area

Responsibilities/Duties/Tasks

Business growth / Product accountability

• Conduct customer analysis, enhance understanding of customer portfolio, monitor changes in customer behaviors and identify opportunity for cross-selling and services enhancement.
• Extracting, cleaning, and engineering data ready for analysis. Interpreting data, formulating hypotheses, and developing an analytical approach to meet business requirements.
• Communicating results and making recommendations using data visualization and presentations.
• Business trends analysis and customer transactional behaviors (reasoning and providing solutions for negative trends
• Profitability analysis for different segments, products, and channels (utilization, registration, uptime, costs, and revenues)
• Business performance analysis and reporting on sales acquisitions, balance sheet, dormancy, attrition, channels, individuals, cross sell.
• Reviews reports and metrics and identifies opportunities to grow and optimize specified area of responsibility
• Business presentations and other papers for management meetings and business forums
• Macroeconomic, Market and Competitor analysis to provide better understanding of the environment and identifying threats to and opportunities for the business. Keep abreast of internal and external developments and respond accordingly.
• Work collaboratively across teams, departments, locations and organizations.
• Business problems root cause analysis and proposing solutions
• Pricing and Product Management (Product performance & Revenue leakage management)
• Attend and contribute to daily/weekly/monthly review meetings and any other meeting as directed by the supervisor
• Maintain an appropriate level of confidentiality at all times. Undertake market assessments / research to determine the impact on the product portfolio, understands market trends and determines appropriate measures to be taken by the management

Operations:

• Prepare and share MIS reports as required and circulate to management on a weekly basis and participate in the MANCO and other key business meetings
• Prepare Assets and Liabilities Committee (ALCO) reports for the meetings, actively participate and contribute to ALCO meetings
• Prepare any other reports as may be required by the management or different committees

Qualification, Knowledge, and Experience, Personal Competencies

Qualification

• Relevant bachelor’s degree in any of the following fields (Banking, Finance, Accounts, Economics, Statistics, Maths, Database management or business administration)

Knowledge and Experience

• Good understanding of retail (banking) channels, products, and services
• 3 to 5-year experience in data and information management role.
• Excellent MS Office skills are expected to have advanced proficiency in both Excel, Word and PowerPoint. Experience with other professional programs (e.g. R, STATA, Access) is a plus.
• Knowledge and experience using SQL and querying relational databases, Python or other programming languages for data analysis and engineering would be an added advantage
• Conversant in using Finacle
• Acute business and financial analysis management acumen
• Experience in budgeting and strategic planning
• Good knowledge of banking regulations
• Strong attention to detail - Methodical and organized, conscientious, accurate, thorough, and committed.
• Strong analytical and data gathering skills
• Experience of using statistical methods to describe or make inferences about data.
• Ability to communicate insights and results of data analyses by producing written reports, dashboards and presenting face-to-face. Resource should be Comfortable interacting with a broad audience
• Ability to work independently, using your own initiative, and as part of a team.
• Be clear-thinking, with a creative and innovative approach to dealing with issues and problem solving.
• Ability to manage and take responsibility for own workloads, handle multiple priorities and meet deadlines.

• Ability to translate the essence of complex data into language or formats others will understand.