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    Joy Juwaheer

    Joy Juwaheer

    Bilingual Business Consultant

    Port Louis, Mauritius

    Offering the following services: 1. Business Plans 2. Startegic Planning 3. Financial Management and Advice 4. Project Management 5. Translation services - English- french Area...Read moreOffering the following services:

    1. Business Plans
    2. Startegic Planning
    3. Financial Management and Advice
    4. Project Management
    5. Translation services - English- french

    Area Covered: International
    Work Experience Summary: WORK EXPERIENCE
    April 08- to May 2010: Senior Vice President (SVP) Bramer Banking Corporation Ltd (Mauritius) • A member of the British American Investment Group (BA Group)
    As SVP, I have the following activities of the bank under my responsibility- Overall Strategic Planning and Development, Human Resources, Information Technology, Finance and Administration, Marketing, Global Business, Credit Administration, New Business Development, Trade Finance and Treasury. I also acted deputised as CEO of the Bank when required.
    Major achievements include-
    • Increase in the number of retail outlets from six to sixteen in one year
    • Launch of a new savings product offering the best rate on the market
    • Setting up of a Central Back Office for the Bank
    • Launch of credit cards
    • Finalisation of the E-Banking Platform.
    • Increasing profitability of the Global Business Unit by 25% in one year.

    I was also in charge of producing regular reports to the Board of Directors on operational and strategic issues.

    I was member of the following-
    • Asset and Liability Committee • Alternate Chairman to the CEO
    • Projects Steering committee • as Chairman
    • Alternate Director of the Mauritius Bankers Association
    July 2002 • March 2008 • Senior Manager, Corporate Office - British American Investment Group
    During period, I was involved in the following assignments-
    • October 2007 • March 2008: Team member for the acquisition of a retail bank (South East Asian Bank) in Mauritius.
    As a team member, I have been involved in the pricing of the bid using modern valuation techniques (discounted cash flows, NAV etc), in structuring the bid, preparing the business plan, understanding the legal and regulatory requirements. The deal was approved by the Board after presentation by team members. Once the bid was accepted, I was responsible, with other team members, to carry out Due Diligence Exercise on the bank’s Financials, Human Resources, I.T, Legal and other operational aspects.
    • January 2007 to September 07: Senior Project Manager for the setting up of a new retail bank in Mauritius.
    The project consisted in setting up a Greenfield New retail Bank in Mauritius. I was responsible for the overall project management which included devising the overall plan including actions, timelines and the budget necessary for setting up the Bank. The following was achieved-
    o A detailed strategic plan including a financial model was established with the collaboration of international consultants.
    o The Core Banking System was identified after the issuing of a comprehensive Request For Proposal
    o The ATM and Card Management System was identified
    o Extensive negotiations with VISA International for the issue of debit and credit cards
    o Agreement with some international banks to act as Correspondent Banks.
    • May 2006 • Dec 2006: Team member for securing a banking licence, under the leadership of the Group CEO, for the British American Investment Group
    The objective of this assignment was to secure a banking licence for the Group. The job consisted in preparing a five year business plan of the Bank for approval by the Central Bank. Various scenario were devised based on extensive economic and financial research.
    • October 05 • May 06: Acting Chief of Operations for the Construction and Trade and Commerce Cluster of the Group.
    The job consisted in the day to day management of the operations of the Division and the various companies, monitoring of performance against set KPI, monitoring the implementation of the strategic plan as approved by the Board.
    • June 2002- Oct 2005: Assistant Vice President • Non Financial Division
    o Provide management support to the Group Companies
    o Assist in the preparation and monitoring of the annual budgets
    o Conduct feasibility studies for new investment
    o Manage the implementation of the new projects for the Division.
    o Setting up of the Property Development Arm of the Group including the sourcing of funds and agreement with building consultants.
    Nov 2001• June 02 • Freelance Consultant in Mauritius
    Carry out a research study on small sugar cane planters in Mauritius. The study was commissioned by Traidcraft (UK) and Fairtrade (Netherlands).
    April 01 • November 01: Head of Consulting Department, KPMG Mauritius
    Lead a team of 10 consultants working on various projects. The major project was on poverty eradication in Mauritius, financed by the International Fund for Agricultural Development.
    September 95- June 97: Part time lecturer in Economics and Management at the University of Mauritius.
    March 1992 • March 01: Economist-Statistician, Mauritius Chamber of Agriculture
    Conducted various research studies on the agricultural sector and the economy of Mauritius in general.
    June 1990 - Oct 91 Asset and Liability Manager Caisse d’Epargne Provence Alpes Cote d’Azur • France
    • Monitoring of all risks undertaken by the bank.

    ACA

    Education Summary: ACADEMIC QUALIFICATIONS
    1987•1990 : University of Aix Marseille II, France
    ï‚§ Magistere Ingenieur Economiste (Equiv. M.Phil in Quantitative Economics)
    ï‚§ Maitrise Sciences Economiques (Equiv. Masters degree In Economics)
    ï‚§ Licence Sciences Economiques (Equiv. Bachelor degree In Economics)

    TRAINING
    June 2007: Training on Islamic Banking by Monzaf Kaur
    September 2008: Training in Retail Banking by Euromoney
    April 2009: Seminar on Corporate Banking by Standard Bank South Africa.

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