Aman Paul
Seasoned Cards, Loans, Banca professional (multiple markets). Develop and execute strategy to consistently build, grow & expand profitable business lines; proven multi- function expertise (Product, Marketing, Analytics, Loyalty, Sales, P&L ownership, Risk management framework, Account life cycle, CRM, Money transfer, Intelligent Bureau leverage), hands on exposure with leading banks across diverse / complex international markets (start up to large portfolios > $ 6 Billion across Asia, Middle East and Europe). Excellent cross function communication at country, region (matrix environment) and board level. Successfully hire, coach & mentor large teams, proficiency to harness & grow mutually beneficial partnerships (Card schemes, Co-brand partners, Airlines, E-commerce, Loyalty, CRM), set up efficient sales channel, Affluent segments cross sell , Digital bank / Fintech (EGG)
Profitability swing, ENR/GDV growth, Analytics, Digital platform
Bureau benchmarking, exhaustive MI suite, collections strategy
Distribution / sales channels, Account life cycle management, CRM
Best in Class partnership with schemes, Analytics driven policy & collections strategy
Profitability growth, risk based pricing, Affluent segment, P&L owner, Digital strategy
API linked Remittance on Card, limit rationalization. account life stage management
Scheme negotiations, analytics, retention, Deep grasp of Loans & Cards business lines
Account life cycle, Motor Insurance cross sell, P&L ownership
Best in class revenue per account
Key metrics growth rate higher than market
Product, cobrands, Alternate channels, Loyalty, Limit Mgt., Supplementary card strategy, Tele-sales
Analytics, Forecasts, Risk Mitigation strategies, Stress test
Core credit, Policy, Collections strategy, Vintage analysis
Bureau Leverage, Portfolio Due Diligence / acquisition (EGG)
Regulators (OCC, FSA), Provisions / Models, Audits, Industry standards, Due diligence, BNPL advisory
Lead credit review (Region l /Global), new acceptance segments
Cross Sell, Loyalty, Lodged card, Insurance, Affluent segment
Benchmarking, rebranding research, Portfolio triggers, card on file transactions
Mentor & build bench strength, Analytics, Product enhancement
Miles exchange/Loyalty, Revenue growth, Credit Insurance, Digital roadmap 