Transforming Advanced Analytics Into Core P&L Drivers
Strategic Business Intelligence Leader
5+ Years Banking Transformation
> RM1bn Attributed Value Delivered
In the modern banking landscape, technical skill alone is not enough to lead impact driven analytical team.
I bring a dual-competency in Data Science and Strategic Business execution.
I focus on eliminating the silos between IT and Business, creating unified intelligence structures that empower decision-making from the C-Suite to the frontline.
Below is the framework I developed to transform static analytics into a dynamic, revenue-generating asset.
Transforming fragmented analytics projects into a cohesive engine that optimizes the customer lifecycle and drives direct P&L value.
⚠️The Challenge:
Disconnected data and reactive models drive up acquisition costs while failing to prevent churn. We must move beyond ad-hoc projects to a unified architecture.
🏛️ The Framework
🌟 North Star
Proven outcomes include boosted top-line revenue, healthier NIM/AUM ratios, and a proactive defense against customer attrition.
Silos Are Stalling Growth
From Insight to P&L
A unified model across four pillars—Acquisition, Monetization, Loyalty, and Intelligence Engine—turning static data into predictive, actionable intelligence.
Measurable Financial Impact
Retail Banking Intelligence-Led Growth Framework
A unified architecture that aligns advanced analytics with the three critical stages of banking value generation. By anchoring data initiatives to the customer journey, we eliminate silos and ensure every model drives specific P&L outcomes.
Intelligence-Led Growth
Aligning analytical investment with P&L gains and long-term Customer Lifetime Value.
Lifecycle Optimization:
Acquisition: Maximizing high-quality enrollment while minimizing Cost of Acquisition (CAC).
Monetization: Expand Share of Wallet (SOW) via hyper-personalized, needs-based cross-selling.
Loyalty: Proactively mitigate attrition and transition passive customers into active advocates.
Each pillar comprises project themes designed to operationalize intelligence and drive pillar-specific KPIs.
The Intelligence Engine:
Establishes the scalable infrastructure and governance required to democratize insights. This foundation empowers decision-making at every level—from C-Suite strategy to frontline interactions.
Acquisition (Pillar)
Accelerate new-to-bank customer growth by leveraging algorithmic attribution and precision targeting to maximize enrollment efficiency while compressing acquisition costs.
Monetization (Pillar)
Drive sustainable revenue and share-of-wallet expansion through hyper-personalized, needs-based cross-selling and intelligent lead prospecting.
Loyalty (Pillar)
Maximize customer lifetime value by deploying predictive early warning systems to mitigate attrition and transforming satisfied customers into a low-cost advocacy channel.
Intelligence Engine (Foundation)
Establish a scalable technical infrastructure—including Generative BI and CRM integration—to democratize data access and empower proactive decision-making across the entire organization.
