Define and implement an integrated analytics vision across store operations, e-commerce, and corporate groups Set up a centralized analytics governance framework to unify KPIs, taxonomies, and data ownership across group companies Build and lead a high-performing analytics team specializing in predictive, prescriptive, and real-time intelligence Retail & Merchandising Analytics: SKU-level demand forecasting by store, region, and channel, Sales forecasting models using time-series, seasonality, promotional calendars, Market Basket Analysis and item affinity mapping to inform planograms and promotions and Category performance deep dives, markdown strategy insights, and shelf-space optimization Store & Profitability Analytics: Store P&L modeling, operating cost structures, footfall vs. revenue analysis, New store roll-out simulations based on location intelligence, cannibalization risk, and competitive heatmaps, Inventory optimization models for in-store and DCs (distribution centers), with reordering logic. Customer & Personalization Analytics: Build recommendation engines for web, app, and in-store digital kiosks, Customer segmentation based on recency, frequency, monetary value (RFM), lifestyle, channel preference, demographic data, buying patterns, etc, Cross-sell and upsell targeting models for campaigns and POS nudges, Propensity modeling for offer response, churn risk, and product category migration Credit & Risk Analytics (if applicable): Develop propensity-to-pay and creditworthiness scoring for retail financing (if BNPL or credit options exist) or work with the Bank Teams to deploy the score cards, Cross leverage data sources to refine and optimize the store operations, BNPL response, working capital loan provisions for franchise outlets, revolving credit lines for customers, Analyze consumer affordability by cohort and region Stakeholder Engagement: Collaborate with product, marketing, retail ops, finance, and IT teams, Influence strategy by presenting clear, actionable business insights at the CXO level and Align analytics outcomes with business objectives, store performance metrics, and loyalty goals.
Responsible for Revenue Generation Strategies for each month. Define and lead the direct marketing and CRM strategy for all customer-facing businesses (e-commerce, coffee shops, convenience store, S&D). Partners with business heads and other OpCo teams / external partners to align marketing strategies with commercial goals. Set measurable goals for acquisition, engagement, retention, and revenue growth Month on Month and Week on Week. Design and execute performance marketing campaigns using all offline and online channels Creatively and cost-effectively use SMS, email, paid search, social, influencer, affiliation, on ground activations, events etc. to drive Revenue and Customer Footfalls to the Stores Collaborate with the product, marketing, brand communications, PR and data teams to develop targeting and segmentation strategies. Develop promotions and offers tailored to channel and audience profiles. Build and manage customer lifecycle programs including onboarding, win-back, upsell/cross-sell, churn prevention, and loyalty campaigns. Lead the implementation of omnichannel CRM systems (email, mobile push, in-app, SMS). Define and execute personalized content and messaging based on customer behavior and preferences Help build a customer database for the brick-and-mortar business and link it to the existing Online commerce database and other opco data sources to create seamless omnichannel shopping experience for the customers of Retail Business. Create strategies to cross sell / upsell to other OpCo customers and ensure repeat visits and purchases from the brick-and-mortar and Digital Stores for all businesses Work closely with product and tech teams to integrate the blockchain-based rewards platform into the demand generation / acquisition, retention, cross-sell / upsell programs of all businesses. Develop targeted campaigns that leverage loyalty data to personalize offers and communications. Measure program impact and improve customer stickiness and NPS Use analytics and insights to continuously improve campaign performance (CTR, conversion, ROI). Develop dashboards and report for tracking KPIs across channels. A/B test creative, copy, offer structures, and timing to optimize response rates. Build, coach and mentor a team of revenue generation, direct marketing/CRM, and retention specialists across businesses. Work cross-functionally with product, operations, analytics, and technology teams. Work with other OpCo and Group Teams to drive synergies for all businesses Partner with external agencies and vendors as needed. Develop and execute targeted acquisition campaigns across digital and offline channels to drive high-quality leads and first-time users. Ensure each business unit has a tailored approach based on customer behaviours and value drivers. Implement sophisticated segmentation models using behavioural, transactional, and demographic data. This enables more precise marketing strategies and allows personalization across all verticals, from daily coffee buyers to insurance policyholders. Design and manage customer lifecycle journeys—onboarding, nurture, upsell, and reactivation—using automated workflows. Drive consistent engagement through personalized, timely communications via email, SMS, push notifications, and in-app messages Analyse data provided by research and marketing teams to refine technology strategies and identify opportunities. Build and optimize retention programs tailored to each business model. Identify at-risk segments early and apply proactive retention tactics such as surprise offers, feedback loops, and win-back campaigns to reduce churn. Lead the creation and evolution of loyalty initiatives that increase frequency, spend, and advocacy. Tailor loyalty schemes to fit each vertical—stamp cards for coffee shops, cashback for e-commerce, or multi-policy benefits for insurance as examples . Oversee the setup and ongoing optimization of CRM platforms and marketing automation tools. Ensure data integration across touchpoints (POS, web, app, call centre) for a single customer view and seamless omnichannel execution. Establish KPIs for every campaign and channel, using data to assess effectiveness and inform strategy. Employ A/B testing and predictive analytics to refine messaging, timing, and targeting for better ROI. Design direct marketing programs aimed at increasing average order value, frequency of purchase, and product bundling. Develop cross-sell and upsell strategies that are both value-driven and contextual across business lines. Recruit, mentor, and lead a high-performing team across direct marketing, CRM, and analytics. Drive a performance culture grounded in experimentation, agility, and continuous improvement.
Act as liaison for every interaction between Issuer and Bondholders Protect the interest of bondholders Performing Bondholders’ Representative Agreement Reporting to the bondholders in every quarter about the compliance of the terms and conditions of the bond issued Ensuring that the bond have converted or redeemed in accordance with the terms and conditions of the bond issued Ensuring that the issuer has paid the interest to the bondholders properly and timely Carrying out such acts as necessary for the protection of the bondholders and resolve the grievances of the bondholders Reporting to the SERC Performing Escrow Agreement in accordance with the regulation and customer satisfaction Deal with customers to discuss their condition to use escrow service Check and verify on the condition to release escrow amount Being a liaison between the seller and the buyer Notify to the Trust Regulator about the validity of escrow service (terminate or continuous) Submit all the relevant documents and register funds to the TR on behalf of the customers Reporting to the Trust Regulator (Monthly, Quarterly, and Annual)
To achieved the MFI & Local Banking Business's Revenue Target To achieved the MFI & Local Banking Business's Deposit Target To achieved the New Acquisition Target To achieved number of referrals for Corporate Business and Personal Banking products and Service such as Corporate Loan, Payroll, FX, Remittance, Debit/Cedit Cards…
Visit assigned outlets daily according to the approved route plan and ensure full outlet coverage. Achieve daily and monthly sales targets through effective order taking and focus SKU execution. Build and maintain strong relationships with retailers and key outlet decision-makers. Ensure product availability at the outlet level and prevent out-of-stock situations. Maintain proper stock rotation and monitor product freshness. Execute correct merchandising, pricing, and promotional displays in-store. Communicate promotions and new product launches clearly to retailers and ensure proper placement. Support cash and credit collections in accordance with company policies. Submit accurate and timely daily sales, stock, and collection reports. Monitor competitor activities and provide market and customer feedback to supervisors.
Analyze internal and external data to generate insights on customer behavior, market trends, competitor landscape, and campaign performance. Provide analytical support to guide daily marketing activities and inform long-term marketing strategies. Measure and evaluate marketing performance, financial risks, market trends, and customer experience to ensure objectives are achieved within timelines. Assess the Bank’s current market position, competitive environment, and emerging trends; produce comprehensive analytical reports and share findings with relevant stakeholders to support business decisions. Develop innovative, data-driven approaches to address complex marketing challenges by: identifying patterns and trends in large datasets, testing and evaluating marketing mix models and designing and maintaining data pipelines and dashboards to monitor key marketing KPIs. Recommend efficient, data-backed solutions to achieve business goals while ensuring strong governance, data quality controls, and process improvements. Apply statistical techniques and data models to deliver accurate, reliable, and timely insights. Structure, manage, and consolidate data from multiple sources (e.g. operations, IT, customer feedback, digital platforms) and transform raw data into actionable intelligence. Leverage industry knowledge to interpret data, improve marketing performance, and stay current on industry developments and analytical best practices. Perform additional duties as assigned by the Head of Division in support of business priorities.
Coordinate incidents from logging until full-service recovery, with strong focus on major/critical incidents Lead and facilitate emergency calls (bridge calls) during working and non-working hours, willing to work in on-call rotation (including weekends / nights if major incident happens) Ensure the right technical teams and vendors are engaged on time Drive incident resolution and follow up actions until closure Monitor SLA and ensure proper prioritization, updating and escalation Act as a central communication point between IT and business tribes Provide clear and regular updates to stakeholders and management Check quality of incident records (priority, root cause, root cause category, description etc.) in ITSM system and ensure transparency and accuracy of incident information Ensure incident process and escalation rules are followed Build dashboards, track and report key metrics (MTTR, MTBF, MTTA, incident trends, etc.) Organize and coordinate Post Incident Reviews (PIR) to achieve Root Cause Analysis (RCA) with technical teams Track and control the status of the long-term actions until completion Support improvement of incident management process Promote ITIL best practices and support process automation Ensure incident handling follows internal policies and regulatory requirements Daily monitor and identify the repeatable incidents, work closely with Problem Management to ensure proper problem records are created and tracked
Supervise EOC operation team with their daily activities Follow up on vendor support Keep the system with the latest patch updates Support for EOC issues and get fixed permanently Support system upgrades, new features and/or product tests, and apply fixes/patches Adhere with the policies and procedures Keep incident and problem records for the IT & Risk department Support relevant developments assigned by management Support core banking infrastructure matters Participate in project implementation related to Core Banking and advice business stakeholders on the optimal business process – in line with Flexcube functionality Prepare EOC schedule and actively involve with EOC running
Commercial & Category Execution Support the implementation of commercial strategies across assigned product categories. Execute assortment, pricing, promotional plans, and product lifecycle changes as directed by commercial leadership. Monitor category performance including sales, margins, stock levels, and slow-moving items. Supplier Coordination & Support Coordinate with suppliers on ordering, pricing updates, promotions, rebates, and product availability. Assist in contract administration and support basic negotiations under supervision. Follow up on supplier performance, delivery schedules, and issue resolution. Inventory & Supply Chain Coordination Work closely with supply chain and procurement teams to ensure optimal stock levels and on-time replenishment. Monitor inventory aging, out-of-stock risks, and excess stock to support inventory optimization. Support stock forecasts, promotions planning, and seasonal demand adjustments. Promotions & Merchandising Coordinate with marketing and store operations to ensure correct execution of promotional activities. Ensure pricing accuracy, POS materials, and in-store merchandising standards are implemented correctly. Support new product launches and category resets in stores. Reporting & Analysis Prepare regular reports on category sales, margin, inventory, and supplier performance. Analyze sales trends and basic market data to identify improvement opportunities. Provide insights and operational feedback to the Commercial Manager. Team Supervision & Collaboration Supervise junior commercial staff or category assistants, if assigned. Support daily task planning, performance follow-up, and on-the-job coaching. Collaborate with cross-functional teams including marketing, supply chain, finance, and store operations. Compliance & Governance Ensure adherence to company policies, pricing governance, and regulatory requirements, including labeling and trade compliance where applicable. Support audit and internal control processes related to commercial activities.