ELEANOR LICUP
Schofields,NSW
Summary
Business analyst with a strong background in credit card portfolio management, decision engines, and risk systems. Delivers testing, issue resolution, and change initiatives that improve customer experience, strengthen controls, and support profitable portfolio performance while working closely with business, risk, and technology teams.
Overview
23
23
years of professional experience
Work History
Consultant (Business Analyst), Portfolio Management
National Australia Bank (NAB) | Consumer Cards
Sydney, Australia
08.2022 - Current
- Collaborated with stakeholders to implement improvement initiatives, testing and delivering technology outcomes aligned with Consumer Cards' business objectives while ensuring operational stability.
- Identify, lead and implement initiatives arising from customer complaints, feedback and insight themes, partnering with stakeholders to improve processes, communications and customer experience.
- Developed and managed communication strategies and initiatives supporting profitability drivers and growth of portfolio and revenue.
- Ensuring all communications are customer-focused and align with the overarching cards positioning for portfolios managed
- Coordinated with the Digital Monitoring Team on exception reports for Portfolio, Payments, and Credit Balances in Citibank's White Label Credit Cards space, investigating issues and collaborating with stakeholders to identify root causes and implement effective solutions.
- Briefing and building relationships with internal and external stakeholders i.e. partners, creative/research/production agencies.
- Created and followed a detailed project timeline to meet deadlines.
- Tracked and reported on project results while monitoring performance metrics.
- Adhere to Compliance and Control policies and procedures including following internal governance processes, and ensure all deliverables are accompanied by relevant approvals.
Systems Analyst, Credit Portfolio
Citibank, Risk Team | Cards
Sydney, Australia
10.2014 - 07.2022
- Managed and enhanced CDE (Credit Decision Engine) and Portfolio TRIAD systems by configuring the rules and implementing changes to support effective unsecured credit decisioning and portfolio strategies.
- Spearheaded investigation of system and data issues affecting credit decisioning and portfolio processes, coordinating with technology, data teams, SMEs, and product owners for root-cause analysis and solution implementation.
- Identified and addressed problem areas and improvement opportunities within portfolios.
- Collaborated with risk, product owners, operations, data team, and business stakeholders to define and implement CDE and TRIAD change requirements.
- Designed and executed comprehensive test cases covering positive, negative, and regression scenarios, validating outcomes against business requirements and ensuring changes were implemented in accordance with program controls and governance standards.
Technical Business Analyst
FinXL Professional Services Pty Ltd
Sydney, Australia
08.2011 - 09.2014
- Worked closely with local and regional Citibank Cards conversion analysts, ensuring that data is migrated correctly and accurately to ASIA Pacific's Rainbow Cards Platform.
- Analyzed and validated data extracts, ensuring data is uploaded completely into respective datasets at Citibank Cards systems.
- Collaborated with stakeholders and stream leads to convert data from domicile applications to new applications, maintaining data integrity throughout the process.
- Analyzed data conversion and quality issues to identify and resolve discrepancies.
- Documented conversion activities, ensuring clarity and continuity leading to implementation date.
Technical Business Analyst
Barclays, Technology Centre | Cards
Singapore
10.2010 - 07.2011
- Liaised with Delivery workstreams to communicate business objectives, prioritize requirements, make decisions on delivery options, and produce delivery costs and timescales.
- Collaborated with business managers and users to analyze current processes and assess the impact of requested changes.
- Developed use cases, test bubble charts, and SIT/UAT plans for business sign-off.
- Delivered first-level support for defect investigation and resolution during SIT/UAT.
Test Analyst
A-IT Software Services | Cards
Singapore
11.2004 - 09.2010
- Executed testing across different test phases (SIT/UAT), collaborating with application teams to resolve identified issues.
- Analyzed test metrics and project testing status, providing key stakeholders with insights on testing progress and completion.
- Prepared documentation for test plans and test cases, recommending process and standards enhancements to improve testing activities.
Application Consultant
IBM | Cards
Singapore
07.2003 - 09.2004
- Conducted root cause analysis to identify customer pain points and implement effective resolutions.
- Executed optimization initiatives, translating complex banking workflows into improved application performance.
- Resolved low to high severity issues in Cardlink system, ensuring compliance with SLA timings.
Education
Bachelor of Science - Computer Science
University of The City of Manila
Intramuros, Manila04-1989
Skills
- Business analysis
- Requirements gathering
- Functional Specifications
- Testing Strategy & Coordination
- UAT SIT management
- Test strategy
- Defect triage coordination
- Data Analysis & Validation
- Banking & Risk Domain
- Credit Cards & Consumer Lending
- Credit risk policy
- Credit Cards Portfolio Management
- ALM Quality Center, Jira, and Confluence
- Stakeholder Engagement
Timeline
Consultant (Business Analyst), Portfolio Management
National Australia Bank (NAB) | Consumer Cards
08.2022 - Current
Systems Analyst, Credit Portfolio
Citibank, Risk Team | Cards
10.2014 - 07.2022
Technical Business Analyst
FinXL Professional Services Pty Ltd
08.2011 - 09.2014
Technical Business Analyst
Barclays, Technology Centre | Cards
10.2010 - 07.2011
Test Analyst
A-IT Software Services | Cards
11.2004 - 09.2010
Application Consultant
IBM | Cards
07.2003 - 09.2004
Bachelor of Science - Computer Science
University of The City of Manila