Senior management experience with P&L responsibility . Headed the wealth/affluent and retail customer value proposition (CVP) including heading the product development of current (checking) and savings/deposit (CD) products, digital payments, debit cards, fee products - remittances/funds transfer/FX, and Offshore Banking. Responsible for growing the deposit book to USD 10 bn from USD 1 bn and 30% of retail banking revenue. Have led various customer loyalty and experience digital initiatives, change, operational excellence projects to enhance customer experience and drive process efficiency, such as cross border payments, instant payments, web/mobile account opening, BPI on account opening workflows reducing processing times in the front and back-ends, errors rates, improved customer NPS & training over 5000 bank staff either directly or in partnership with HR.Made a material difference to the wealth proposition, increasing revenue per RM and customer, improved NPS and RO service and process productivity, product penetration in lifestyle products, investments/banc assurance, exponential growth in NTB/NTW/Upgrades, card usage/spends and customer satisfaction rates. Led data driven (SQL/Tableau/SPSS) customer cross-sell/up-sell ATL/BTL marketing campaigns and engagement initiatives impacting customer recall and LOR.Introduced sales and customer campaigns and improved RM incentive structures impacting strategic direction. Highly knowledgeable of compliance regulations and operations while ensuring minimum impact to customer acquisition and customer retention.