Summary
Overview
Work History
Education
Skills
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Accomplishments
Custom
Languages
Affiliations
Timeline
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Cheryle Xavier

Dubai,DU

Summary

Seasoned professional with career focus on business analysis. Capable of driving business growth by implementing strategic planning and process optimization strategies. With knack for data analysis and problem-solving, consistently provide high-quality insights that lead to significant business improvements and operational efficiency. As an efficient and strategic planner with strong interpersonal skills & well-developed leadership qualities, I have years of success in this field and track record of identifying growth opportunities. Carrying a lot of expertise to deal with Payment complexity ( investigations, remittances, Cheque operations) managing customer experience and feedback and building strong stakeholder management has been the forte in my career. My strong communication skills allows me to express my ideas and listen actively to the Ideas of others. My experience has taught me how to strike a perfect work life balance and making firm resolute decisions.

Overview

24
24
years of professional experience

Work History

Principal Business Analyst - Cloud Financials

FIRST ABUDHABI BANK
Dubai, Dubai
03.2021 - Current

Cost Management & Optimization Financial Governance Reporting & Transparency Collaboration & Education Tooling & Automation

Responsible for managing and optimizing cloud financial operations, ensuring cost efficiency, transparency, and accountability in cloud usage across an organization.

  • Monitor cloud spend and identify cost anomalies saving around 10mil AED in 2023
  • Recommend and implement cost-saving measures (rightsizing, reserved instances, savings plans, spot instances).
  • Develop cost-allocation strategies, budgets, and forecasts.
  • Define and enforce financial accountability across cloud users.
  • Develop FinOps policies, standards, and compliance frameworks.
  • Conduct periodic audits and ensure financial compliance.
  • Generate clear and actionable financial reports for stakeholders.
  • Maintain dashboards displaying real-time cloud costs and usage insights.
  • Provide visibility into cloud expenditure for all teams involved.
  • Engage with Engineering, Finance, Operations, and Procurement teams.
  • Educate stakeholders on cost implications of architectural decisions.
  • Facilitate training on FinOps practices and cost optimization principles.
  • Select, implement, and manage cloud financial management tools (e.g., Cloudability, AWS Cost Explorer, Azure Cost Management, Apptio).
  • Automate financial reporting, alerting, and budgeting processes.

Snr. Manager Payments -MENA

HSBC Middle-East
Dubai
03.2019 - 02.2021
  • Regional oversight of eight MENAT markets with governance and reporting around performance, quality, and financial metrics.
  • Representative for regional business liaison and collaboration, Global Service Centre's partnership and oversight. Identify relevant KPIs to track process improvements.
  • Ensure that activities are delivered using the appropriate methodologies and tools.
  • Maximize the use of Group standard tools.
  • Provide support to all payment’s projects through in-depth analysis of Management Information or specific activities/processes to drive performance improvements in the areas of cost, customer experience or risk.
  • Analyze problems in terms of process and/or functionality; generate data and apply analytical and quantitative techniques to formulate, describe, communicate and coordinate implementing of recommended solutions.
  • Produce regular reports to keep Senior Manager, Regional Payments informed on status, issues, and milestones achievement.
  • Governance on Offshore and feedback to improvise quality and E2E customer journey.
  • Global engagement on Global Payment Investigation Enhancement workshops & regular health check on Global Payment Investigations launch 2020

Manager, Regional Payments MENAT

HSBC
Dubai, Dubai
03.2015 - 03.2019
  • To lead and develop operational Improvement plan on the operational systems and process across the MENA regions (Middle east Region)
  • Manage tasks of medium/high complexity and medium risk as assigned.
  • Provide support to all payment’s projects through in-depth analysis of Management Information or specific activities/processes to drive performance improvements in the areas of cost, customer experience or risk.
  • Work closely with Senior Manager, Regional Payments, and project teams with a focus on meeting deadlines and serving interests of Business areas of each country that has dependency on the payments process.
  • Ensure compliance are in line with the internal and external guidelines of HSBC.
  • Working with the business and other key stakeholders to understand their constraints and enablers.
  • Work closely with key stakeholder’s staff documenting sources and assumptions, understanding and prioritizing requirements.
  • Analyse problems in terms of process and/or functionality; generate data and apply analytical and quantitative techniques to formulate, describe, communicate and coordinate implementing of recommended solutions.
  • Produce regular reports to keep Senior Manager, Regional Payments informed on status, risk, issues and milestones achievement or misses.

Manager Operations – UAE Payments

HSBC UAE
Dubai, UAE
03.2008 - 02.2015

Business Continuity Planning GR Manager

GSC Hyderabad
Hyderabad, India
06.2006 - 06.2008

Manager, UK, New Zealand & Australia Payment Investigations

GSC Hyd
Hyderabad, India
06.2001 - 06.2006

Education

MBA - Finance & Organizational Leadership

Amity University Noida
09.2022

Skills

  • Leadership and People Management
  • Strategic Thinking and Planning
  • Communication and Stakeholder Management
  • Financial and Business Acumen
  • Operational Excellence
  • Project & Program Management

Accomplishments

  • Regional increase of 20% in payment Straight Through Payment rates achieved 65% to 85%, driven through customer education, business collaboration and support of a frictionless customer experience.
  • Delivered cost savings representing 25% of the direct cost plan for MENAT payments.
  • Thematic business reviews driven through customer complaint feedback to improve process and service delivery i.e., complaint reduction of 70% for Global Liquidity and Cash Management clients.
  • Gained Strong leadership & Operational Background.
  • Six Sigma Green Belt and Project Management trained with expertise in re-engineering and change management to implement projects across the MENA region; implementing process improvements and develop automated workflows for divisions (encompassing Global Operations and Middle Office) with circa $0.5m cost save achieved for MENAT payments.

Custom

Strong Leadership responsibilities covering Payment Operations for Australia, New Zealand, MENAT and UK processes. Experience in cost management including Annual Operating Plans, financial forecasting and unit rate setting for delivery services. Established network with business stakeholders to collaborate and drive improvement for customer outcomes. Six sigma Green belt trained with expertise in re-engineering processes with a customer centric focus. Subject matter expert in Payment Operations and a key contributor to Global Programs to develop system automation, supporting process streamlining and cost efficiency. Governance and oversight responsibilities for key performance indicators and strategic metrics for internal third-party management with Global Service Centre’s.

Languages

English
Native

Affiliations

  • Travelling, Gardening

Timeline

Principal Business Analyst - Cloud Financials

FIRST ABUDHABI BANK
03.2021 - Current

Snr. Manager Payments -MENA

HSBC Middle-East
03.2019 - 02.2021

Manager, Regional Payments MENAT

HSBC
03.2015 - 03.2019

Manager Operations – UAE Payments

HSBC UAE
03.2008 - 02.2015

Business Continuity Planning GR Manager

GSC Hyderabad
06.2006 - 06.2008

Manager, UK, New Zealand & Australia Payment Investigations

GSC Hyd
06.2001 - 06.2006

MBA - Finance & Organizational Leadership

Amity University Noida
Cheryle Xavier