Assemble and analyze Retail data, macro, Industry, and market-specific data, into information and make it available to management in a timely fashion for strategic, tactical, and operational requirements.
In charge of reviewing and challenging retail capital investment projects to ensure viability and consistency with the business unit and overall bank strategy, monitoring post-implementation of the projects to deliver committed benefits.
Get involved in the budgeting and forecasting process for the Retail domain providing analytical support for drivers and processes of the plans. This involves the provision of historical individual and business performance facts necessary for objective performance goal setting that drives Retail Business performance.
Provide monthly detailed analysis of actual achievements against budgets/forecasts both at the individual (branch managers/relationship managers) and segment levels. This involves clear articulation of NII and NFI mover for price, volume, product mix and currency depicting the trend and forward-looking.
Provide detailed monthly analysis on channel performance including profitability analysis for Branches, Card acquiring (ATM, debit cards, Credit cards), Agency Banking, and Bancassurance among others
Design models for tracking the cost of serving customers at different Retail channels to drive efficiency and value for money. This includes the determination of cost per transaction, cost per customer served, cost per revenue generated etc. at each channel.
Provide leadership in driving for correct customer segmentation in different systems to aid in effective product performance analysis.
Every month, provide product performance reports with insights on performance drivers and how to spur growth. It also includes Deposit/loan concentration tracks, Top 20, and Top 50 customers/schemes.
Carry out Revenue Assurance for Retail on a monthly to ensure income leakage is managed. This involves the management of data integrity and accuracy from various reporting systems, application of approved product tariffs etc.