Associate Manager, Products and Process

Job Description

Title: Associate Manager, Products and Process

Company Name: BRAC Bank PLC

Vacancy: --

Age: At least 24 years

Job Location: Dhaka

Salary: --

Experience:

Published: 2026-08-23

Application Deadline: 2026-09-01

Education:

• A bachelor’s or master’s degree in statistics, mathematics, economics, computer science, data science, finance or a related quantitative discipline from a UGC-approved university or an accredited foreign university.

• Age At least 24 years

• 2 to 7 years of experience in a bank, financial institution or other data-intensive environment, with hands-on ownership of analytical work.

• Exposure to lending portfolios, scorecard development or data warehouse work is strongly preferred.

• Advanced proficiency in Excel and hands-on experience with Power BI, Tableau or equivalent tools.

• Proficiency in Python or R for statistical modelling and automation is strongly preferred.

• A working understanding of credit risk metrics, scorecard construction and validation.

• Ability to explain quantitative findings clearly to non-technical audiences and explore beyond the first set of findings.

• Proficiency in spoken and written Bangla and English.

BRAC Bank PLC is building the future of banking in Bangladesh through trust, innovation, and inclusion. As a values-based financial institution, the bank empowers customers and businesses with responsible financial solutions while upholding the highest standards of compliance, governance and transparency. For professionals, BRAC Bank offers a platform where performance, integrity, and innovation thrive together.
The bank is seeking a qualified and purpose-driven professional for the following position within its SME Banking Division
Job Grade: PO
Key Responsibilities:

• Product Design, Scoring & Portfolio Insight

  • Score and rank every product; drive invest, fix or retire related decisions.

  • Run vintage, cohort, roll-rate, tenor and utilization analyses for each product.

  • Analyse product and portfolio performance by geography, cluster, channel and sector to identify insights that aggregated data may conceal.

  • Test post-launch performance against the business case. Explain variances and recommend actions.

  • Act as the business owner of the division’s data, with accountability for definitions, quality, lineage and reconciliation across source systems and the data warehouse.

• Customer Behavior & Forward-Looking Analytics

  • Build and refresh customer personas. Keep them dynamic rather than static.

  • Model propensity, cross-sell, attrition and reactivation. Map graduation pathways across segments.

  • Forecast demand. Simulate outcomes. Run scenarios for planning and target setting.

  • Proactively identify emerging risks and opportunities.

• Credit Scoring

  • Build, deploy and recalibrate application and behavioural scorecards, working closely with the bank’s Credit Risk teams.

  • Monitor discrimination and stability. Recommend cut-off and rule changes backed by evidence.

  • Develop cash-flow and alternative-data scoring for customers with limited documentary history.

  • Build early warning models that flag stress ahead of delinquency.

• Field Validation, Reporting & Advocacy

  • Visit the market frequently. Validate data against ground realities across different geographies.

  • Challenge conventional reporting. Automate manual processes and own definitions and reconciliation.

  • Build self-service dashboards and reporting packs for leadership review.

  • Provide analyses and evidence for regulatory returns and policy advocacy submissions.

• Administrative Responsibilities

  • Ensure compliance with KYC, AML, data privacy and other regulatory requirements across all analytical work.

  • Maintain rigour and discretion in handling confidential customer and portfolio information.