Saad Malik
Karachi
Summary
To be the part of a reputable organization where there are opportunities to learn and grow with the organization.
Overview
19
19
years of professional experience
1
1
Language
Work History
Product Head – Credit Cards
JS Bank
10.2023 - Current
- Currently leading the Cards Business (45,000 cards) with the best Value proposition in market by offering Instant cashback on Utility Bills, Fuel, Education and Grocery. CVP enhancement on Health and Travelling is planned for 2024. Witnessed, how An effective CVP attracts the potential customer and helps in acquisition and spend by driving consumer from push behaviour to pull behaviour
- Approximately 35% increase in spend during last 6 months, 24% increase in per card spend
- 6 spend campaigns with following significant results
- Converted 50% non-spenders and inactive cards to spenders
- Increasing per card spend
- Generating spend of 734 MM on target base of 14000 customers
- Cards Acquisition campaign to achieve 15,000 cards till April 2024 (previously average acquisition is approximately 2000 cards per month)
- Launched digital acquisition of supplementary cards by SMS
- Leading Tokenization, Market place and mobile app for Credit Cards customer projects
- Participating in Debit card flip from once scheme to another and system migration
- Digital acquisition of cards by cross sell (project in progress)
- Improvement in transaction authorization / approval rate by revisiting the decline parameters and remapping decline codes
- Formulate strategy to align Alliance partners and installment plans with MDR and COF to ensure profitability
- Improved revolver rate by 2%
- Formulated renewal card strategy to ensure timely delivery and activation
Portfolio Manager – Consumer Banking
Silkbank Ltd
10.2015 - 10.2023
- Lead portfolio of 180K+ Credit Cards in highly competitive market
- Participated in launch of Mastercard with accelerated reward points on selected spend categories
- 22% growth in per card spend
- 35% card utilization rate
- 11% card ENR growth
- Cost saving by converting 74% of portfolio to e-statements
- Achieved 91% card activation rate
- Transformed 81% of cards payment via digital channel – highest in the industry
- Lead and implemented multiple IPS mandates
- Part of team to upgrade mobile app for Credit Card customers
- Remapping decline codes and authorization parameters to improve authorization rate
- Formulated and executed program-based Credit Limit Enhancement and Plastic upgrade strategy
- Successfully re-carded the entire portfolio to Chip & PIN cards
Portfolio Manager – Credit Cards
Silkbank Ltd
08.2021 - 11.2022
- Portfolio management of 150K+ Credit Cards customers
- Monitoring Funded and Non Funded Income of Credit Cards
- KPIs monitoring
- AIF, CIF, ENR, Spend, revolver rate, activation rate, retention rate, portfolio mix etc
- Non funded Revenue optimization
- Card Plastic Upgrade
- Insurance programs for credit cards customers
- Value added services (VAS)
- Spend and Utilization optimization for funded income
- Event based spend campaigns
- Strategy to convert non spenders to spenders
- Segmental and targeted spend campaigns
- Credit Limit Increase programs (CLI)
- Card activation campaigns
- Service level optimization
- Transaction decline rate, Monitoring TAT and improving process and procedures to improve TAT for various services like card replacements, limit enhancement, dispute management, going extra miles to facilitate grieved customers
- Segmental analysis of Portfolio for profiling of customers and identifying potential areas of growth
- Income wise, Age wise, Limit wise, Job profiles, demographic profiling, non-spenders
- Budgeting & Planning
- Preparing budget with Head of Credit Cards
- Monitoring of actual performance vs budget
- Take appropriate actions to address any short comings
- Strategies for growth and sustainability
- Customer retention strategy, Limit enhancement strategy, Card plastic upgrade strategy, Strategies to meet budget and organizational goals, Credit cards cross sell strategy, strategies to convert non-spenders to spenders
- P&L Management
- Monitoring of monthly profitability report (MPR)
- Briefing Head of Credit Cards on gaps
- Liaison with Finance for rectification and finalization of MPR
- Liaison with Risk for portfolio health indicators
- NPLs, Provisioning, Income Suspension, Write-offs, Delinquency
- Liaison with IT, for Credit Cards projects monitoring, system related issues and enhancements, mandates from IPS (VISA & Mastercard)
- Liaison with Compliance and Consumer operations to address portfolio and product related queries from regulators (SBP, BMP)
- Resolving and addressing customer issues routed via regulators (SBP, BMP)
- To implement mandates in the given time frame
- Liaison with Authorization and Risk, to monitor and improve approval rate
- Analyzing and changing system parameters to improve declined transactions ratio
- Monitoring decline rate reason wise, against IPS provided thresholds
- Liaison with VISA & Mastercard for Credit Cards
- For implementation of mandates in given time frame
- For monthly billing and charges
- To improve service levels and approval rates
- Any other issues and queries pertaining credit cards
- Cost rationalization
- Assisting Head of Credit cards to minimize operational cost
- Liaison with finance and other cross functional units for shared cost
- Liaison with IPS (VISA & Mastercard), Finance, Compliance & Treasury for SBLC renewal
- Confirming end to end transaction within given time frame.
Manager Business Planning & New Projects - Credit Cards
Silkbank Ltd
10.2020 - 08.2021
Manager Business Finance – Consumer Banking
Silkbank/ SaudiPak Commercial Bank
10.2020 - 08.2021
Manager Business Intelligence – Consumer Banking
Silkbank Ltd
10.2015 - 10.2020
Manager Business Finance – Consumer Banking
NIB Bank
05.2014 - 10.2015
- Responsibilities: Business performance & profitability monitoring and reporting
- Business KPI reporting to regional office
- Closely work with Product, Risk and Finance for Budgeting and planning of all consumer products
- Database management of all products
- Timely providing standard risk reports to Credit Risk
- Timely providing standard product/ Business report to Consumer Business
- Data maintenance in the way to serve needs of Business and Credit
- Forecasting of losses based on credit risk models
- Debt charge monitoring
- Debt Charge reporting to finance at month end
- Monthly Dashboard (Product wise)
- Preparation of Presentation for Monthly Business reviews
- Quarterly, Half yearly and yearly reporting to Risk Management and Finance
- Provisioning of Losses & non-performing loans
- Various Correlation analysis on data as per the requirement of Credit Risk and Business
- Circulation of product wise MIS Deck
- Coordination with IT to resolve system related and data related issues
- Special Assignments: Worked with CFO and Budgeting & Planning head to evaluate Consumer Collections performance in terms of expense and profitability
- Assisted Budgeting & Planning head in compiling bank wide budget due to shortage of relevant staff.
Manager MIS & Analytics
Silkbank/ SaudiPak Commercial Bank
09.2008 - 05.2014
- Implementation of Credit MISs for all Unsecured and Secured Products
- Data maintenance in the way to serve needs of Credit Risk
- Forecasting of losses based on credit risk models
- Debt charge monitoring
- Debt Charge reporting at month end
- Monthly Dashboard and write up consisting of key findings and recommendations for senior management
- Preparation of Presentation for Monthly Business reviews
- Budgeting & Capacity Planning
- Quarterly, Half yearly and yearly reporting to Risk Management and Finance
- Provisioning of Losses & non performing loans
- Various Correlation analysis on data as per the requirement of Credit Head
- Preparation and circulation of Monthly MIS deck which include key indicators and portfolio summaries, delinquency report, CIR, TTD, vintage and MOB Delinquencies, CAPs, Deviations etc
- Tracking of Actual Expense against Budgeted expense
- Closely work with Credit Policy to identify and mitigate portfolio risk
- Coordination with IT to resolve system related and data related issues
- Coordination and providing information to Internal and SBP audit
- Credit scoring based on good bad definition
- Special Assignments: Assisted/ Participated in due diligence of Consumer Portfolio.
Manager MIS & Analytics
Silkbank/ SaudiPak Commercial Bank
09.2008 - 05.2014
- Implementation of Credit MISs for all Unsecured and Secured Products
- Data maintenance in the way to serve needs of Credit Risk
- Forecasting of losses based on credit risk models
- Debt charge monitoring
- Debt Charge reporting at month end
- Monthly Dashboard and write up consisting of key findings and recommendations for senior management
- Preparation of Presentation for Monthly Business reviews
- Budgeting & Capacity Planning
- Quarterly, Half yearly and yearly reporting to Risk Management and Finance
- Provisioning of Losses & non performing loans
- Various Correlation analysis on data as per the requirement of Credit Head
- Preparation and circulation of Monthly MIS deck which include key indicators and portfolio summaries, delinquency report, CIR, TTD, vintage and MOB Delinquencies, CAPs, Deviations etc
- Tracking of Actual Expense against Budgeted expense
- Closely work with Credit Policy to identify and mitigate portfolio risk
- Coordination with IT to resolve system related and data related issues
- Coordination and providing information to Internal and SBP audit
- Credit scoring based on good bad definition
- Special Assignments: Assisted/ Participated in due diligence of Consumer Portfolio.
Manager Credit Analytics
Allied Bank Ltd
06.2007 - 09.2008
- Served as a part of Credit cards and Personal Loans launching team
- A part of Vision + implementation team
- Looking after system implementation from credit analytics point of view
- Implementation of Credit MISs
- Existing portfolio analysis
- Delinquency monitoring
- Forecasting and projections of delinquency and losses
- Working with business and marketing team to set up yearly goals
- Special Assignments: Yearly Budgeting for Consumer Credit
- Capacity Planning for Consumer Credit
- Compilation of Consumer Credit Process Manual for Allied Visa Credit Card
- Assisted in SBP Audit
- Assisted in various correspondences with SBP
- Assisted in putting up and getting In-Principal approval with SBP for outsourcing of card operations
- Assisted in formulation of policies for data migration
- In-depth knowledge of credit card system.
MIS Coordinator
Habib Bank Limited
09.2006 - 05.2007
- Part of the team, structuring consumer collections department
- Implementation and designing of MIS necessary for collection’s performance evaluation
- MIS for Secured and Unsecured products
- Forecasting NPL
- Developing strategies to reduce NPL
- Provisioning of NPL
- Coordination with IT and other departments
- Portfolio Analysis
- Designing of collection hierarchy along with a team
- Coordination with MYSIS and other departments to resolve collection related issues
- Coordination with other regions to maintain the accuracy of MIS.
MIS Analyst
Union Bank
09.2005 - 08.2006
- Daily MIS for collection Consumer Assets and Cards Business
- Cycle Cut MIS for collection consumer products Assets and Cards Business
- Monthly MIS required by financial Control for reporting of write-off
- Bucket Flows Analysis
- Was/Is report analysis
- Capacity planning & departmental budget preparation & monitoring
- Coordination with IT department for collection related IT issues
- Provisioning of Non Performing Loans (NPL)
- Segmental Flows Analysis
- Collection performance evaluation
- Setting and tracking of collection targets.
Education
BS (Computer Science) -
University of Karachi
Higher Secondary Certificate Examination - undefined
Board of Intermediate & Secondary Education, Karachi
Secondary School Certificate - undefined
Board of Secondary Education, Karachi
Personal Information
- Father's Name: Masroor Alam Malik
- Nationality: Pakistani
- Marital Status: Married
- Religion: Islam
References
Available upon request
Projects
Final Year Projects, LAN security for Cyber Internet Services (Pvt.) Ltd. using firewalls and configuring Snort to stop hackers, intruders and crackers from harming the network. Firewall Logger For Linux, NLP project which convert the logs generated in LINUX in human readable format. IRC Chat server, A network application, which configures the IRC chat server and enables different clients to chat within a network or over the Internet. (OS: Linux 6.2 for Server/Client, Windows for Clients). SMS (WAP Application), A WAP based Web application which sends SMS on query about the flight schedule or railway schedule. Paint Brush, A paint brush application programmed in Visual C++.
Timeline
Product Head – Credit Cards
JS Bank
10.2023 - Current
Portfolio Manager – Credit Cards
Silkbank Ltd
08.2021 - 11.2022
Manager Business Planning & New Projects - Credit Cards
Silkbank Ltd
10.2020 - 08.2021
Manager Business Finance – Consumer Banking
Silkbank/ SaudiPak Commercial Bank
10.2020 - 08.2021
Portfolio Manager – Consumer Banking
Silkbank Ltd
10.2015 - 10.2023
Manager Business Intelligence – Consumer Banking
Silkbank Ltd
10.2015 - 10.2020
Manager Business Finance – Consumer Banking
NIB Bank
05.2014 - 10.2015
Manager MIS & Analytics
Silkbank/ SaudiPak Commercial Bank
09.2008 - 05.2014
Manager MIS & Analytics
Silkbank/ SaudiPak Commercial Bank
09.2008 - 05.2014
Manager Credit Analytics
Allied Bank Ltd
06.2007 - 09.2008
MIS Coordinator
Habib Bank Limited
09.2006 - 05.2007
MIS Analyst
Union Bank
09.2005 - 08.2006
BS (Computer Science) -
University of Karachi
Higher Secondary Certificate Examination - undefined
Board of Intermediate & Secondary Education, Karachi
Secondary School Certificate - undefined
Board of Secondary Education, Karachi
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