Selected Experience in Financial Analysis & Profitability

Analyzed management information required by a major European bank to successfully introduce, grow, and control a new loan and credit card product. The study included an assessment of the bank's goals and main objectives as well as the product positioning, the profile of customers attracted and the management information available. The study resulted in the implementation of a new management information system at the operational, departmental, and managerial level. In addition, recommendations were made regarding overall product strategy and organizational issues arising from future growth of this new product.

Developed an issuer debit card profitability model for a major global card payments organization that included developing a cost and revenue activity based operational model of current account operations, design sensitivity analysis modules and work with external technical consultants to design a front end and acceptance test the final product.

Sized potential market opportunities by reviewing transaction metrics and potential revenue, and assessed current value chain economics. Recommended client to develop a go-to-market strategy required to tap into the market opportunity.

Developed an issuer pre-paid card profitability model for a major global card payments organization by reviewing and critiquing a profitability model developed in-house, identifying areas for improvement and developing a stand-alone profitability model for use by issuers who were considering offering a prepaid product.