Jan 2016 – Jan 2019 · 3 yrs

• New business pricing and profitability analysis for Cards, Mortgages and Loans
• Internal consulting to country teams across HSBC to evaluate new business performance against investment hurdles (RoTE/NPV)
• Deploy and manage vintage profitability models across countries within HSBC
• Lead governance across Risk/Analytics/Product functions across HSBC – monitoring of forecasted vs actual behavior
• Financial Planning and Analysis for Mortgages
• Support Global product managers with annual planning, forecasting as well as monthly financials and non-financial (sales)
• analysis across markets
• Assess portfolio profitability impacts on the mortgage book across markets in a rising/falling rate environment
• Marketing effectiveness
• Support Global Head of Marketing and Global Retail Banking CFO to evaluate both marketing spend as well as marketing
• effectiveness across markets
• Evaluate Return on Investments for marketing campaigns across products/ customer proposition
• Setup framework for HSBC to be able to evaluate marketing costs directly tied to revenue generating events
• Digital Finance Analytics, Data Visualization
• Deliver self-service dashboard for product and pricing as well as marketing effectiveness through QlikSense
• Financial Planning, Forecasting, SAS, SQL, Python, Cognos TM1, Qlik, Tableau, Data Science, Budgeting, Lifetime Profitability, Vintage Profitability

Feb 2015 – Nov 2016 · 1 yr 9 mos

• Drive Executive Transformation cost savings programs/ Cost benefit financial planning and reporting
• Country Strategic Plan/US Transformation Initiative Controllership - Interface with Businesses and Functions
• Monthly tracking and financial reporting to deliver against cost savings targets reported to US Executive committee
• CCAR - Stress testing for US cost base and strategic Cost Analytics (e.g., professional fees deep dives, committed spend)

Feb 2013 – Jan 2015 · 1 yr 11 mos

• Financial Planning and Analysis for US Consumer Credit Card business
• Drive Annual Financial planning/Forecasting by engaging Product/Risk/Analytics/Accounting/Service Delivery/Fraud/Collection teams
• Manage Financial Pricing Models for Credit Card new account acquisitions to drive investment decision
• Drive Financial sizing for New product launches, Rewards Programs and Marketing Campaigns
• Identify revenue generating opportunities through Competitive pricing, Profitable Rewards and Interchange program
• Review Reward points redemption behavior and estimate balance sheet liability associated with the points bank
• Financial Analysis, Forecasting, SAS, SQL, Cognos, Data Science, Budgeting, Lifetime Profitability, Vintage Profitability, Hyperion

Aug 2009 – Jan 2013 · 3 yrs 5 mos

• Planning and Analysis for Retail Banking business, Incentives Strategy
• Drive Customer, Channel and Product specific Planning and Analysis for the bank
• Support key strategic initiatives such as the Sale of HSBC's Upstate Branch Network (~195 Branches, ~$15B in Deposits)
• Incentive Strategy - Implementation of Sales model that helped increase productivity, Creation of Employee level Goals and Incentive plan that aligned and focused on Bank's strategy of growing the Premier proposition
• Strategic Initiatives, Data Science, Segmentation, SAS, SQL, Sales and Incentives, Incentives Reporting

Sep 2006 – Jul 2009 · 2 yrs 10 mos

• Lead CRM and analytics for US Retail Banking functions such as Customer Development, Marketing, Product and Pricing, Wealth, Finance, Network Strategy and manage a high performing team of 7 individuals.
• Drive decision making through powerful information and presentation. Develop pricing models and dashboards that highlighted branch, customer and product profitability.
• Support studies such as Flow of Funds, Share of Wallet, Banking Administration Institute that focused on Deposit growth benchmarking.
• Lead a high performing team of 7 individuals
• Data Science, Segmentation, Data Management, Product Reporting, Sales Reporting, MI and Analysis, SAS, SQL

May 2005 – Aug 2006 · 1 yr 3 mos · New Delhi Area, India