Job Description

Business Function

The Consumer Banking Group Data Chapter is committed to building a data driven organization and maximizing the key data capabilities to transform how CBG does business. Data impacts CBG’s businesses every day, and a culture of relentlessly using data and business intelligence will enable CBG to achieve exponential growth.

About the role

Lead a team of business analysts providing data driven solutions to the Credit Card Business. The role will require you to identify opportunities for business growth and help business meet their KPIs through use of analytical insights and AI. You will engage in strategy discussions with business stakeholders as well as senior management. This team is responsible to deliver on data related requests including deepdive analysis, simulations, develop Control Towers and dashboards. As a team lead you will also be responsible for resource planning as well as quantification of value delivered. Your role is also crucial as a subject matter expert to drive adoption of Control Towers for decision making and promote learning through experiments.

Responsibilities

• Lead data driven decision making for Credit Cards Portfolio
• Understand credit card products and consumer credit lifecycle – origination, activation, management, and retention/attrition.
• Understand various aspects of card payments and the processes involved – types of payment methods, channels, transaction types, etc.
• Understand customer engagement methods - prospecting, click through journey, portfolio management, etc
• Work closely with Product, Marketing, Risk, Regional, Finance and Operations teams to develop new strategies, build seamless customer journeys, drive better customer experience.
• Create customer and business impact
• Utilize Data Driven Operation Model (DDOM) to maximize value from data and drive business impact with product partners
• Drive cognitive and automated banking initiatives through Machine learning models development and automation of control towers
• Identify key trends, provide insights on performance & causality and identify opportunities to deepen customer engagement
• Be customer obsessed. Drive deeper understanding of consumer needs and preferences Analyse customer behaviour and help design campaigns/experiments to drive customer engagement and marketing effectiveness

Requirements

Thought Leadership and Business Knowledge

• Bachelor's degree (or higher) with 10+years of progressive analytics experience and deep understanding of credit card products
• Preferred but not mandatory: Past experience in data management and analytics in the banking/fintech/financial consulting industry
• Understanding of analytics strategies and models to ensure business readiness and applicability
• Capable to carry out expert dialogues with stakeholders and product partners

Technical Skills

• Well-versed with data analytics techniques like descriptive, predictive, prescriptive, ML and AI.
• Strong analytical and problem solving skills; highly numerate with keen eye for details and accuracy.
• Proficiency in coding skills and ability to run queries for data extraction.
• Preferred knowledge on statistical languages including SQL, Python, Pyspark
• Preferred but not mandatory: proficiency in data visualization tools such as Qliksense

Interpersonal Skills

• Self-starter and growth mindset; open to transformation capabilities in the organisation.
• Strong analytical and problem solving skills; highly numerate with keen eye for details and accuracy.
• Communication and presentation skills - ability to explain complex concepts with simplicity; ability to handle difficult conversations with stakeholders and product partners with discerning tact.
• Leadership and collaborative skills; ability to effectively guide and lead while collaborating effectively with peers in cross-functional teams

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Job Requirements