Siraj Munir Ahmad

Working as Analytics Manager for one a major US based bank and responsible for analytic project delivery for major retail consumer finance card portfolios. Responsible for idea generation to help measure & enhance profitability, marketing responsiveness and customer engagement level (for new & vintage customers). Lead & Deliver multiple high impact business solutions in the domain of segmentation, customer lifecycle management and growth strategy. Project: Pandemic Waves Forecasting Short range forecasting technique leveraged to predict spend behaviour of 20+ Retail Card portfolios. The model led to the identification of World Spend categories that were not a part of historical marketing campaigns before COVID-19 and also helped in identification of World Spend categories that are likely to recover soon due to the pandemic. This project led to an estimated sales generation of ~$20 Million (USD). Project: Store Closure Impact Analysis Proximity Analysis and Spend Behaviour Pattern study was conducted to retain customers for one of a leading US Apparel Brand who were impacted due to Store closures in the year 2019 & 2020. Multiple strategies like Online shopping incentivization, Shift to nearest open store and Reward Point Redemption were recommended to result in Potential Sales of ~$1.25 Million (USD). Project: Market Basket Analysis Project explored SKU/Retail Data to unearth key product associations and next best purchase recommendation. Leveraging Apriori algorithm based association analysis, the project built scope for Cross Sell & Upsell opportunities for Retail Card client. Project: Customer Segmentation (Doughnut Clustering) Taking cue from Market Basket Analysis, the project sought to identify customer groups based on purchase affinities. Leveraging Doughnut- K means Segmentation, the project aimed to increase customer purchase frequency & spend value through customized strategies of Cross Sell/ Up Sell. Potential Sales Generation ~$240K (USD)

Worked as Asst. Manager (Analytics) for Genpact ACOE (Analytics Center of Excellence). The company is one of the largest analytics providers worldwide for Banking and Financial Service Clients. My Role involved providing advisory and consulting services to US based bank to optimize and streamline their unsecured lending business. Project: EMOB Analysis Early Months on Book programs provided insights to the Business Stakeholders abouth the new approaches and strategies that focus on accounts during the first 12 months on book to drive long-term customer engagement and profitability. Worked on customer retention strategies by analyzing transaction pattern, world sales categories and online engagement of credit card customers during the critical early months of a customer’s lifecycle. Project: Six Sigma/Green Belt Project (PLCC & Dual Card Integration) A Fortune500 US based client converted PLCC credit cards into Dual Cards as a part of Marketing Campaign in Aug 2014. Due to this many of the existing business reports require modification/integration/revamp as the existing reports include only PLCC data or lacks consistent Channel definition logic for PLCC & DC. Aim of the project was to either integrate the existing reports with PLCC & DC data or build new reports to cater to the new business requirements. Project led to an annual saving of ~1000 Man Hours by leveraging SAS based automation.

Worked as a Deputy Manager in Deutsche Postbank Home Finance Ltd. (DPHFL), a National Housing Bank (NHB) registered Company, is a 100% MNC housing finance company headquartered in New Delhi. The company is a part of Deutsche Postbank Group, which is the largest retail bank in Germany. Business Development and Sustainability • Case Tracking and Management through LOS and LMS • Manage profitability - productivity, yield and acquisition cost within the budget levels • Manage DSA payout process and empanelment process

Worked as a Management Trainee in Mortgage division of Reliance Capital Ltd., one of India’s fastest growing private sector financial companies. Project: DSA Empanelment and Payout Process Analyzed Commission Payouts for mortgage cases sourced by channel partners -DSA (Direst Selling Agents). This included tracking & monitoring of DSA's empanelled on monthly basis, number of mortgage cases disbursed per DSA and payout grid/amount to be paid per case. Project: Client Relationship Management • To ensure continuous interaction with the customer, to make sure that pain areas can be worked upon for improved service levels • Provide customer service in order to reduce login to disbursement TAT