Sanjay Ganjoo

Experience

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  American Express

  May 1995 - Mar 2002

  AMEX Asia Corporate Treasury for Asia region is centralized in Singapore that manages funding & FX requirements of the whole ASIA region. Activities includes cash management, FX hedging, Currency, IR & FX SWAPS. AMEX Financial Resource Centre (know as FRC) is a centralized place for various global processes including accounting, MIS, Audit & many other back office functions.

  • Senior Treasury Analyst - JAPA Region

    May 1999 - Mar 2002

  • Team Member - Group Accounting - JAPA Region

    May 1995 - Apr 1999
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  American Express

  Mar 2003 - Mar 2004

  Senior Financial Analyst JAPA Region

  AMEX Asia headquartered in Singapore covers the whole of Asia region. Responsibilities included consolidation process for the whole region, analytics and investment modeling & optimization techniques.

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  American Express

  Jan 2005 - Mar 2008

  Business Planning Manager - MENA Region

  AMEX Middle East headquartered in Bahrain is covering 18 countries in the Middle East and North Africa region. Responsibilities included Business Planing Function including annual budgets, periodic forecasts, analytics & MIS for the whole region.Rolled out a new reporting/analytics tool for customer behavior with dashboards for every stakeholder based on the role/requirement.

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  MAF JCB Finance LLC

  Mar 2008 - May 2013

  Director - Finance (MENA Region)

  MAF Finance ( www.maffinance.com ) is in the business of Payment Cards including Credit cards, Gift Cards, Payroll & Remittance Cards. I was responsible for Finance, Analytics, IT and Admin functions. My role was also to advise business on profitability of new product launches, JV partner negotiations, M&A, drafting accounting policy, presenting to the BOD on periodic basis, interaction with regulators, managing external and internal Audits. Responsible for Card Issuing, Merchant Acquiring (Sign-ups), Payment Cards, Information Technology (Financial Services), CRM roll-out, Introduction of new Data warehouse & Dashboard reporting tool, Risk & Collection analytics, Back-office Operations. Very strong in the business analytics area including financial modeling, product profitability, customer profitability, cost reduction, segmented dashboard reporting and revenue enhancement initiatives. Show less

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  Scotiabank

  Aug 2014 - Jul 2018

  Senior Finance Manager

  Responsible for Strategic Business Planning function for Retail Banking (Credit Cards). Manage Annual/ Long Term/Quarterly business plans. Work closely with other partners in Central Finance & EO on overall Planning & Forecasting exercise and leading stress test exercise (OSFI/Internal test scenarios) for the RP business. Responsible for creating Vintage and Portfolio level models for Products & Channels to assess financial performance.Work closely with business & senior management to evaluate strategic business tie-up, Co-brand & other opportunities such as portfolio acquisitions and new partnership opportunities from profitability perspective. Responsible for managing strategic operational issues and create new reporting structure to support new audit/management recommendations. Support new product group & marketing to optimize the profit & increase volumes by analyzing customer behavior through data analysis. Present strategic plans to the senior management Show less

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  BMO Financial Group

  Jul 2018 - Sept 2019

  Lead Finance Officer

  Responsible for Planning, Forecasting, Projects & Customer Analytics for Retail Banking (Credit Cards). Lead HLP/DLP/Quarterly Forecasts/Outlook for North America Retail Payments (NARP), Canada. Provide Financial modeling support to NARP line of business (LOB) on new projects/Initiatives. Lead Financial review meetings with NARP Executive Team on a monthly basis. Oversee monthly/quarterly/annual financial close process. Provide subject matter expertise to other LOB business partners. Develop robust analytics package for NARP management with deep dive insight into key themes. Lead and support quarterly Network Interchange forecast meetings & Impact sizing. Work closely with NARP Exec team on key initiatives and future growth strategy. Establish working relationship with key stakeholders throughout the organization. Identify and sizing of key revenue and expense opportunities to help NARP team to achieve annual targets. Work closely with the controllership team to ensure clean month-end/ year-end reporting. Provide leadership support to Finance team Show less

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  HSBC

  Sept 2019 - Oct 2024

  Director Finance Retail Banking

  Responsible for overall finance support to retail banking business (Mortgage, Deposits & Unsecured lending).Manage month-end, quarter-end & annual closing process for retail banking book.Work closely with EVP (Retail Bank) & SVP (Branch Network) on developing annual Gross & Net New Money plans, sales force & channel productivity KPI’s.Supported Head of Branches in providing comprehensive view of branch performance & work closely on opening/closure of new/old branches across Canada.Work closely with product heads, risk head, ALCM head & product prop teams in deep dive analysis of business performance, post implementation reviews & new initiatives.Supported Head of Digital Channel in measurement of channel performance by implementing a new KPI dashboard.Work closely with retail banking leadership on new business initiatives, product pricing and key strategic initiatives.Lead & coordinate strategic planning, regular forecasts & annual budgets across retail banking.Lead and manage end to end stress testing process for regulatory (OSFI & PRA) & internal testing for entire Wealth & Retail Banking book.Participate in oversight committee on Model oversight, Treasury Pricing & ALCO matters. Show less