Fawad Husain Khan

• Develop and Implement the Propensity Models: Next Best Offer, Churn and Cross-sell models. • Develop the Balanced Scorecard for Corporate and Retail Segments. • Prepare budget and forecast for Corporate and Retail Segments which includes operating income, provision, cost and balance sheet. • Perform sensitivity analysis on multiple attributes. • Calculate Return on Equity and Return on Average Assets for business segments. • Develop the monthly incentives for Employee Banking, Mortgage and SME teams. • Lead the team for the development of propensity models. Ensure the adaptability from Business and tracking the performance and usability of the models. • Next Best Offer contains five products: Mortgage Loan, Personal Loan, Construction Loan and Max Saver Account. • Churn and Cross-sell models are for personal loan. • Responsible for performance analysis and develop the performance review for business and identify opportunities for cross-sell and upsell and highlight the concerned areas. • Responsible for performance analysis. • Monthly tracking for IFRS9 Expected Credit Loss (ECL) with Business and Credit teams.

• Ensure the monthly business reporting for Corporate and Retail segments. • Develop the benchmarking with other banks for financial KPIs. • Provide insights to business to help in decision making. • Prepare budget and forecast for business. • Develop product profitability for Corporate and Retail products. • Develop the business review for business and identify opportunities for cross-sell and upsell. • Prepare dashboard for attrition and acquisition of products.

• Ensure Islamic processes & policies are clearly defined and implemented • Ensure successful completion of all Product UATs • End to end management of Saadiq Deposit Products • Develop and renew Product / Department Operating Instruction • Updation of SOCs, AOFs, MID, T&Cs. • Calculate weightages and actual profit rates for general and special pool for saving and term deposits. • Automation of Modaraba Pool. • Regular tracking of product performance via various channels. • Increase Islamic share in new business – deposits • Develop propositions & campaigns to increase products sales

• Certification of SAS Base Programming 9 (click http://tiny.cc/ju5xy for published results of SAS Global Certification Program by SAS Institute Inc.) • Certification of SAS Advanced Programming 9 (click http://tiny.cc/ju5xy for published results of SAS Global Certification Program by SAS Institute Inc.) • Certification of Islamic Banking and Takaful from Centre for Islamic Economics (local certification) • Working as a Manager Customer Analytics in Business Analytics and providing consumer insights and revenue opportunities. • Manage campaigns and perform revenue and cost analysis for the campaigns. • Work on propensity and value models to Cross Sell / Upsell Lending and Liability Customers. • Develop operating rhythm with telesales unit to contact only top 5 deciles customers to gain efficiency in X-Selling. • Develop campaigns to increase revenue (win back campaigns), reduce cost and customer delight. • Maintain contact policy while contacting customers for promotional campaigns • Maintain test inventory to store the results of tests for future decisions.

• Worked as a Manager MIS in Strategic Business Information Management (SBIM) which works under Finance for financial and performance reporting. • Lead the team and ensure timely completion of projects. • Automation of MI reporting in order to timely provide required information to customer interfacing channels. • Implementation of SAS for data integration and analysis for liabilities. • Give training to other team members for replacing conventional analytics tools with SAS. • Enable relationship managers to view all active and inactive products including financial and non-financial products (single view of customer base), provide Cross-Sell/Up-Sell opportunity. • Ensure timely preparation of MI packs encompassing customer base of over 1.2 million unique customers availing over 26 products for catering needs of product development and distribution departments.

• Software Analysis-Design, Development, Deployment and Maintenance. • Lead the team of Developers. • Database Designing and development of ERP modules (Materials Management, Fabrication, Knitting Finite Scheduler, PAC (Production Activity Control) and Production Planning). • Technical training of Junior Developers. • Remotely analyze and develop Three Star Project requirements and change requests. • Data archiving of different modules. Technologies: • Programming Languages and Tools: C#, Java, VB.NET, C and Visual Basic 6.0 • Web Development: ASP.NET, ASP, scripting, XML, XSL, Dream Weaver, and HTML • Data Base: SQL Server 2005, Oracle 10g , SQL/PL-SQL, MS Access, MS Excel