Rizwan Rahman Email & Phone Number

Sydney, Nsw, Au

Sydney, New South Wales, Australia

Product Management- Australia, New Zealand, and South Pacific product lead for Prepaid and support to Director of Debit- Defining the product with respect to local market needs and regulation- Responding to regulatory changes- Client guidance on launching Debit & Prepaid propositions in market including product economics, market insights, and CVP support- Product roadmap development and implementationClient Portfolio Optimisation & Advisory- Advising clients on debit and travel prepaid portfolio management through market wide quarterly benchmarking- Bringing to clients local, regional, and global best practices specifically related to their areas of opportunity/challengeThought Leadership- Insights on the drivers of consumer payments trends by disaggregating macro-economic, payments system, and consumer drivers and drawing on disparate internal and external data sources- Leading qualitative and quantitative research pertaining to consumer payment products and trends utilising both in-house and external agency sources- Translating insights from across the diverse set of clients from fintechs to traditional issuers to promote best practices across the network

Sydney, Australia

Argus is part of NASDAQ listed Verisk with granular credit card Account, Balance, and Transactions data covering 95% of spend in Australia and other major international markets. They also have a proprietary wallet ID algorithm which can link a customer’s accounts across financial institutions allowing for a whole customer view. The data is leveraged to provide accurate portfolio and share of wallet insights to issuing partners with the ability to deep dive into product design and market driven impacts. Data driven solutions are also developed from the consortia data including Campaign Targeting, Portfolio Management, and Risk Management solutions using predictive modelling.Responsibilities:Client Relationship Management & Analytics:- Providing consulting services to clients across Credit Card portfolios in Australia including client presentations and pitches for new product offerings- Leading analytic delivery, managing client communications, and project resourcing- Experience with credit card portfolio analytics and strategy across customer lifecycle – marketing, originations, account management, credit risk, customer segmentation, transactions data analytics, and predictive modelling solutionsBusiness Development:- Developed business cases and pre-sales material to launch a market wide Transactions & Deposits Study and Fraud Score product.- Support client negotiations including project scope and pricing.People Management:- Managing a team of local and remote analytic professionals.- Responsible for training and supervision of analytical consultants to develop analytical project skills and confidence.

Sydney, New South Wales, Australia

Sydney, Australia

CBA is Australia’s largest bank with circa 20-25% market share across consumer retail products. It is also a leader in Digital banking and its ability to utilise core banking data to personalize all interactions with a customer using a centralised AI machine learning platform. My work involved leveraging the data to design better credit and customer outcomes.Acquisition Funnel Management, Analytics, and Implementation:- Management of the acquisition funnel conversion of credit approved applications to funded loans.- Utilised data from across Applications, Credit Risk, and Adobe Digital Tags to form a granular view of the customer originations journey and identify friction points and opportunities.- Role involved working closely with stakeholders from Digital, Customer Decisioning & Insights, Credit Risk, Compliance, and Credit Card Verifications teams.- Managed operational changes in the Personal Loans Fulfilment Team and Direct Lending Team.Achievements:- Optimized customer digital documentation upload and operational bank verification processes to drive a 7% stepped increase in approved to funded conversion rate.- Developed a webchat test to address customer price sensitivity at a major drop-off point, projected to drive $2M in extra fundings.- Implemented a document upload function in the mobile app to address a breakpoint in the mobile originations process.- Major projects include Dynamic Document Upload, Liability Verification simplification, Personal Loans ‘Next Best Conversations’ optimisation, disaggregation of ‘approved not funded’ leakage, Unemployed Declines review, Webchat pricing discount test.

Sydney, Australia

Credit Risk Analytics & Implementation:- Role involved data led credit risk strategy development, implementation, and reporting in addition to ad hoc analytics and insights support.- Role involved working closely with stakeholders from across the Product, Legal, Compliance, Systems, and Project teams.Achievements:- Developed and implemented a Home Loan Credit Card cross-sell strategy that addressed responsible lending gaps while increasing incremental sales and credit limits.- Developed and implemented a Private Banking credit card originations strategy that addressed unique pain points specific to private banking clients and closed legacy responsible lending gaps.- Developed a dashboard for monitoring of all authorizations strategies including test and learn Over-limit strategies and customer ‘Lock, Block, and Limit’ feature usage.- Other work includes CLI strategy development and deep dive on Inactive accounts.

Sydney, Australia

Analytical Research:- Client sponsored PhD researcher focusing on ‘market microstructure’ issues pertinent to client stock exchanges across Asia Pacific.- Role involved the analysis of large trade-by-trade data sets utilizing statistical methods in order to assess the impact of market structure and trading rule changes.- Clients included the Australian Securities Exchange (ASX) and the Singapore Exchange Limited (SGX), where I worked on-site with internal executives to scope and deliver research.Achievements:- Analysed the growing proportion of trade cancellations on the ASX and its impact on market integrity resulting in proposed changes to ASX trade cancellations policy.- Produced two editions of the ASX Market Insights Research Series for public dissemination focusing on trading cost trends and benefits of futures and options instruments on the same underlying asset.- Produced the first SGX biannual Securities Market Quality Indicators report for public dissemination.- Produced a report on the impact of removing a ‘lunch’ trading break from the SGX for internal, public, and regulatory (Monetary Authority of Singapore) review.

Singapore

• Produced the first biannual Securities Market Quality Indicators report for public dissemination in collaboration with the heads of Securities Trading, Corporate & Market Strategy, and Communications.• Contributed to board papers and submissions to the regulator (Monetary Authority of Singapore).• Completed market analysis following changes to market structure for head of Sales & Clients, internal review, and presentations to brokers and other stakeholders.

Sydney, Australia

• Main responsibilities involved producing internal and marketing research reports (ASX Market Insights) designed for presentation to senior management and stakeholders.•Prepared a comparative report on listed index options for market participant consultation.•Investigated trading costs of ASX listed futures following the GFC; published for market participants on ASX Market Insights.•Analysed and reviewed ASX trade cancellation policy and recommended introduction of cancellation fees and time limits.•Evaluated the EU Emissions Trading Scheme to identify important regulatory framework issues for the planned listing of futures and options on Australian Emission Units (AEU).Published research reports available at:http://www.asx.com.au/resources/market_insights_research.htm

Sydney, Australia

Clearly communicated difficult concepts to students through engaging sessions.Subjects:• Trading & Dealing in Securities Markets.• International Financial Management.• Corporate Finance.

Sydney, Australia

Research assistant to Dr Alex Frino, Professor of Finance at University of Sydney and Chief Executive Officer of the Capital Markets Cooperative Research Centre Ltd.Assisted with data collection and analysis for several research papers on illegal insider trading and market manipulation.Research Areas: Illegal Insider Trading, Market Manipulation.

Phd, Finance

Thesis: Market Integrity Issues In Financial Markets Research Areas: • Equities Markets • Derivatives Markets • Market Microstructure •.

Bachelor Of Commerce (Honours Class I), Finance & Econometrics, Distinction

Activities and Societies: Golden Key International Honour SocietyThesis Topic: Illegal Insider Trading in Derivatives

Higher School Certificate, 98.15 Uai