Job Summary: The Senior Analyst, Business Analytics is responsible for establishing CLM charter by performing and managing advanced analysis to derive data-driven insights to inform strategy and tactics. The Job Holder needs to work closely with Product and Segment Heads/ Managers and provide analytics support spanning the entire gamut of Cards and Asset products – Sourcing Analytics (Trends and other Data insights, Propensity Models for X-sell), Portfolio Management (Balance enhancement, Segmentation basis value proposition and Engagement for differential customer targeting, Retention Strategies basis Predictive Attrition models, channel migration and Engagement strategies) and provide appropriate analytical support for all the key business initiatives.
Key Duties and Responsibilities:
Stakeholder management & Strategic Planning
Effectively work with Heads/managers across departments to prioritize analytics initiatives, communicate findings and identify actionable recommendations for the business.
Serve as the thought leader and expert on customer analytics to provide guidance to key business partners around scoping, designing, executing strategies and analyzing and communicating the impact.
Drive higher Cards Spends through activation, build (transaction frequency and transaction diversity), retention and winback campaigns.
Support the cards portfolio growth by identifying sales opportunities for DAC / IPP through CCO
Ensure the right pricing for portfolio products by using segmentation / optimization techniques
Assist in the budgeting exercise by providing a forecasting framework that can help assess the right targets for the business as well as help simulate the impact of various acquisition portfolio management strategies on the topline / bottomline.
Help identify the right opportunities in a risk-reward framework by working closely with GRC.
Drive early activation through score / segmentation based strategies.
Drive transaction frequency / spend diversity of existing customers through clustering / segmentation
Prevent spend attrition through proactive intervention based on attrition scores.
Winback / reactivate spend delinquent customers through segmentation driven strategies
Drive portfolio growth through CCO sales of DAC / IPP / ALOP and other value added services
Ensure pricing optimization so that yield is optimal
Identify trends in portfolio movement and develop forecasting models to assess optimal targets
Develop a simulation framework to help assess the impact of various acquisition / portfolio management actions on the revenue / profits
Work closely with GRC / Risk to identify opportunities to grow the portfolio by balancing risk and rewards
Qualifications, Skills and Experience:
The Senior Analyst, Business Analytics must hold a Post Graduate in Economics, Mathematics, Statistics
Five years of analytics experience in Cards analytics. Prefer to have at least 4 years of relevant experience in banking or financial services.
Proficiency in Analytics and BI tools like – SAS, Cognos, Oracle OBIIE SAP etc.
Excellent understanding of advanced analytics techniques such as segmentation, clustering, profiling, modeling techniques, and statistical interpretation
Ability to communicate insights in an engaging, visual way to non- analytical colleagues and clearly present these data rich insights so key messages can be actioned.
Emirates NBD is one of the largest banking groups in the Middle East in terms of assets. The Emirates NBD 2007 merger between Emirates Bank International (EBI) and the National Bank of Dubai (NBD), became a regional consolidation blueprint for the banking and finance sector as it combined the second and fourth largest banks in the United Arab Emirates (UAE). It is a market leader across core business lines and the leading retail banking franchise, with more than 220 branches and over 900 ATMs and Cash Deposit Machines (CDMs) spread across the country and overseas.