Michael Hyde Email & Phone Number

Zurich, Zurich, Switzerland

Establishing lending business customer segmentation.Implementing risk based pricing.Enhanced analytics to support risk data lead decisions.Lead review of risk forecasting for lending business to improve accuracy & enhance strategic decisions. Supported lending business marketing, product and CRM strategies.

Zurich, Switzerland

The role was focused on design, implementation and execution of the lending business pricing strategies in period of uncertain funding and first interest rate cap change in 8uears.Achievements- Managed cross functional task force.- Managed management board communication & expectations.- lead Data driven modeling, monitoring and reporting.- Achieved Banks objectives as per reported at end of 2023.- lead development of improvements of profitability reporting & frameworks.

Zurich

The business partnering role for Cembra is one which requires a high level of commercial understanding as we are involved with all aspects of sales team activities and I am very valued member of the business team. The role requires an ability to work with all teams in the bank; Risk/Treasury/Marketing/Financial Control/Product Management, as I am involved in & responsible for a wide range of topics and the ability to work under high pressure is a key skill. Responsibilities;- • Monthly presentation to CEO and Management Board• Developed monthly management reporting.• Develop segment profitability analysis for Sales performance.• Enhanced market analysis to increasing business understanding.• Team members development/management with direct reports & wider team. • Develop analytics for business to identify trends and support business responses. • Business case modelling and benefit tracking.• Product control activities & review and challenging of accounting processes. • Product pricing activities. Key Achievements;-• Training & development of team members • Cembra award in 2018 for Engagement.• Finance lead for acquisition of EFL & cashgate. • Development of scenario forecasting model for the whole bank, and vintage forecasting models. • Identified and implemented changes to amortisation treatment saving c3m in 2018 & 2019.• Driven automation of reporting for the Business Partnering team and improved granularity. • Feedback from the various business teams of the value I have added to the business.

London, United Kingdom

This role supported the EMEA Financial Institutes business in the investment bank, the team were responsible for revenue c£500m, and RWA of c£9bn. Responsibilities;- • Developed monthly management information and KPIs to support governance and controls. • Reviewed and challenged regional budgets to support divisional targets.• Building business commentary for analysis and building relationships with regional teams.• Presented monthly financials to the business and to central finance teams.• Supported review of clients’ financials for approval of credit committee.• Lead the first client budget for the business, to enable more visibility of effective capital use.Key Achievements;-• Supported the project for defining priority clients for the business & target setting for clients.• Redesigned the reporting management information (MI) to saved 6 days production.

London Area, United Kingdom

The CIB Client MI Team are responsible for the production of client reporting across the CIB business for revenue c£1.4bn and RWA of c£33bn. Responsibilities;- • Review and challenged business cases for system enhancements.• Project managed development of management system data enhancement. • Developed cost models for a 5-year country exit project, with aggregation for management decision-making.• Financial modelling of country, client and product exit strategy for the division for revenue and capital.• Coordinating the creation of a control framework for reporting.• Representing the team as LEAN representative. Key Achievements;-• Proposed and presented a project to reduce costs via system decommissioning, c£1.2m p.a. • Building relationships with finance & strategy teams, to be SME for client information for the division.

London, United Kingdom

This role supported the UK Cash Management and Liquidity product team which was responsibility for revenue of c£600m and deposits of c£30bn.Responsibilities;- • Developed insight and analysis to challenge business performance & validate financial processes.• Implemented cost reporting to support the business to achieve 10% cost challenge on direct costs. • Building strong relationships with the product management team.• Lead the Budgeting and forecasting for the business. • Presented monthly financials to product board and finance headsKey Achievements;- • Continuous improvement of financial processes to reduce finance issues & earlier financial reporting.• First to established product profitability & volumetric reporting to support drive for UK based business.• Lead the development of improved analytics for variance insight.• Successfully designed and implemented improved forecasting models.• Proposed and implemented a restructure of the 3M Libor hedge for the UK, increasing divisional revenue c£2m.

London, United Kingdom

Assistant Finance Business Partner for the International Retail Expats business, with income c£200m, costs of c£90m costs, and £4bn Deposits. Responsibilities;-• Coordination of month end close and reporting, including variance analysis and investigation.• Implemented cost reporting to support working with the business to implement cost controls. • Driving the need for insight and analysis of performance to enable the challenging of the business.• Presentation of monthly performance for the business & finance.• Consolidation of regional monthly reporting & forecasting for divisional reporting.• Review and challenge of business cases for projects for new projects.Key Achievements;-• Continuous improvements of financial processes to reduce finance issues & earlier financial reporting.• Developed volumetric reporting for the business to drive true business drivers, identified 15% fee leakage.• Filled £!2m budget gap by improved financial models for forecasting & identified revenue opportunities.

London, United Kingdom

This role was part of the PMO for the merger of Lloyds and HBOS in the Group IT and Operations division. Roles Responsibilities• Review and challenged project business cases for funding, with a focus on P&L and Balance sheet impacts.• Portfolio reporting of project streams for monthly board meetings.• Working with project stream leads to improve the business commentary.

London, United Kingdom

This was part of the IT finance team to support new IT contacts with 3rd parties, working with IT procuremnt. Responsibilities• Determined the value of new contracts c£140m, via financial modelling of P&L and balance sheet impacts.• Project reporting for an IT system development, including application of software capitalisation.• Presentation new contract business cases to Finance head, outlining risks to be considered.• Benefit tracking of new projects for monthly project reporting.

London, United Kingdom

The team was accountable for the Transfer Charging of Group IT costs (c£500m) to all Lloyds divisions, as part of the indirect costs across the bank. Roles Responsibilities- Agree budgets for products and divisions with stakeholders- Establish driver analysis to increase transparency - Complete month end close and reportingKey Achievements- Successfully implemented improved month end close and budgeting process and MI - Established driver based financial models to support increased transparency- Outlined redesign of SAP system to support MI improvements.

Cima

Qualified May 2011

3Rd, Maths & Economics