David Howard Email & Phone Number

Abu Dhabi, Abu Dhabi, Ae

- Directing a multi-functional department, coordinating a team of 10+ across strategy, technology, customer experience, savings, investments and marketing.- Managing a portfolio of 50+ digital transformation projects.- Designing and implementing of a comprehensive digital eco-system, including products, services, customer portals, mobile application and AI/data capabilities.- Created and implemented a new modern, vibrant digital brand and website.- Regular speaker and presenter at industry events across HR, Digital and CX.

Abu Dhabi, Abu Dhabi, Ae

- Designed and launched the first UAE Central Bank approved pension plan- Identified new, and managed existing relationships with strategic technology and distribution partners, fostering long-term business alliances.- Delivered the UAE insurance market's first financially inclusive savings plan, Simple Saver, supporting ethical and sustainable company goals.- Guided cross-functional teams to strengthen organisational collaboration, internal governance and elevating product, data and marketing quality.

Castletown, Isle Of Man, Gb

- Drafting and leading the Middle East & Rest of World product and proposition strategy, with a focus on pricing strategy and business profitability- Driving holistic product and proposition developments to meet regulatory change (UAE Insurance Authority & Isle of Man Conduct of Business)- Developing global product life-cycle governance procedures- Product and proposition representation on senior leadership decision making committees- Line management, mentoring and professional development of direct reports and the wider Marketing function

Castletown, Isle Of Man, Gb

- Led the award-winning Middle East & Rest of World product and proposition strategy, with a focus on product positioning and business profitability.- Instigated pricing strategy adjustments, increasing profitability by 20% by focusing on competitor strategies and challenging established tactical activity.- Increased sales in the UAE by 10% with negligible investment through identification of, and marketing to underserved customer segments.- Managed and mentored 5 marketing professionals, enhancing team performance and professional growth.

Castletown, Isle Of Man, Gb

- Led design and delivery of new savings & investment products, impacting over 20 wealth management solutions across 5+ markets including the UAE, Hong Kong and Singapore.- Conducted ongoing statistical and regulatory analysis for competitive advantage in various global markets.- Owned full cycle product maintenance and risk-focused governance, identifying savings of over $1m over 18 months.- Provided SME support, enhancing cross-functional collaboration on migration activity for 100+ legacy products.

Southampton, Gb

- Lead analysis of the nationwide commercial proposition, basket and market insight data.- Presented data driven outputs directly to category heads and for delivery to board level meetings.- Created stock allocation an analysis models to simplify stock management and promotion performance, reducing analysis time by 90%

Basingstoke, Hampshire, Gb

- Oversight of workflow and error management processes of a team of 10 customer and distributor facing staff. - Mentoring and train of junior staff and other operational teams.- Managed investment relationships with Business Development Managers, IFAs, private clients and third party suppliers. - Researched investments to assess compliance with investment proposition and risk appetite.

Gb

Handled escalations for designated key IFAs where the company’s high net worth business was under threat; using all forms of communication and forming positive relationships with all other business areas to expedite resolutions, whilst simultaneously completing a project to clear a six-month historical backlog of queries.

London, Gb

A short-term position to assist in testing the content and performance of the Business Support are of a new company wide intranet.Responsible for the usability and content testing of the end-user pages in line with the original project scope.

Kansas City, Missouri, Us

- Supported new business and servicing operations for Individual Savings Accounts (ISAs), Personal Equity Plans (PEPs) and Unit Trusts.- Delivered >99.5% accuracy rate, leading to multiple contract extensions.- Within 6 months, lead reconciliation of daily activities and operations authorisation of retail and institutional investment orders.

Bsc (Hons), Economics

Economics, Mathematics, Design & Technology, Further Mathematics