We measure our success by your success! To be successful in the era of Machine Learning and Artificial Intelligence, you need a partner that enables change with technology and sustains through capabilities, and we, at BankingBook Analytics, have that down to a science.
Our purpose is to build an analytics-driven organization by combining the latest techniques with deep industry, functional, and analytics expertise to help clients capture the most value from data.
What? At scale profitability, powered by dependable and defendable analytics.
We focus our efforts within, and at the intersection of three key domains: (1) Machine Learning and Microservices, (2) Finance, Treasury, and Risk, and (3) Pricing and Profitability. Within, across, and at the intersection of these domains, BBA's work focuses on analyzing customer behavior – helping clients develop a deeper understanding of customer attributes, the decisions that they choose to make, and their impact on risk, profitability, and balance sheets.
How? By bringing analytics to life.
We meet our clients anywhere they are in their journey to become data-driven, implement the solution in the sandbox, and get clients' buy-in, and support 24X7.
Our large proprietary database includes datasets from banks, credit unions, and other financial services firms from the Americas, Europe, the Middle East, and Africa enabling us to directionally benchmark modelling parameters - derived from internal data and the impact of outputs, by region, product line, and institution type. Combined with in-depth knowledge of the structure and dynamics of the financial services sector, this allows us to formulate accurate modelling predictions.
- 100+ risk, capital, and profitability parameter benchmarks, covering time series and organized cross-sectionally.
- Over 300+ behavioral factors tracked for use in scoring, loss severity, and profitability models.
- More than $1 trillion in assets modelled.
- Over 1,000+ high profile cyber events – collected from reliable and publicly verifiable sources.
End-to-end process management, transformative customer journeys, and processes with automation, digitization, advanced analytics, and design thinking. Acceleration tools used for rapid prototyping, piloting, sandbox implementation, and application customization.
- World-class user interfaces designed with data upload options that include CSV files and ETL.
- Flexible, cloud-enabled delivery options, and affordable subscription licensing.
- Dashboard designed with the same rigor as a model and process designs.
- API integration.
Groundbreaking research organized by domain: Finance, Treasury, Risk, Profitability, and Technology topics.
- Dedicated program for cyber risk data collection and taxonomy, in collaboration with the Global Risk Institute and the Canadian Cyber Threat Exchange.
- Dedicated Featured Insights and Webinar teams.
Pre-eminent domain expertise in measurement, management, and optimization techniques by leading developers of enhanced methodologies and practices – this is driven by our entire firm being 100% dedicated to Financial Services, which focuses all our effort on issues that are critical to our clients in this industry.
- Engagements staffed with former bankers, consultants, quants, and industry's leading experts.
Throughout his 20+ year career, in positions with management responsibility and also as a consultant, Sohail has worked at the forefront of developing analytical solutions using digital technology . His background enables him to solve some of the biggest challenges business leaders face in meeting operational targets. Based on a vision of pushing the cutting edge of advanced analytics, he founded BankingBook Analytics (BBA) in 2018. BBA offers accelerator solutions to mid-sized financial institutions, helping them close the gap in data aggregation and value analytics. Sohail's track-record of implementing intuitively sound and practical solutions has helped his clients succeed by preventing losses, cutting cost and managing capital efficiently. He has also coached and trained cross-functional teams, management and boards at a wide array of financial institutions in Canada, the US and EMEA. He advises key decision-makers on balance sheet growth, profitability management and risk-reward optimization. Prior to founding BBA, Sohail led and managed Toronto-based Nexx Consultants - a specialist risk and capital management advisory firm. He also worked as Principal at Oliver Wyman and Sr. Director at Moody's Analytics. Earlier roles include: CRO at HSBC Oman, Sr. Manager at CIBC World Markets and Analyst at Scotiabank’s Global Risk Management. Sohail holds an MBA from Dalhousie University and a Master in Quantitative Finance from Frankfurt School of Finance & Management.
Andrew (Andy) Poprawa
Andrew (Andy) Poprawa
Andy has extensive experience in the financial services industry gained over the last four decades - covering regulatory, supervision, and financial risk management themes. Andy advises BBA’s clients on strategy, liquidity planning, and capital management. In addition to the last 23 years as the CEO of the Deposit Insurance Corporation of Ontario – the province’s foremost regulator and deposit insurer, he also served as the market conduct regulator of Credit Unions in Ontario during the early nineties. Having spent 10 years with the Office of the Superintendent of Financial Institutions in various capacities, including banking supervision, insurance company oversight, and policy development, he has developed an in-depth understanding of the regulatory processes required to maintain confidence in financial institutions. Andy is a Chartered Professional Accountant, Chartered Accountant, and a former auditor with an international accounting firm. He is also a Certified Government Financial Manager and received his Bachelor of Commerce degree from the University of Toronto. He also serves on the Institute of Corporate Directors (ICD), Ontario Chapter Executive and has served on the Conference Board of Canada’s Advisory Committee on Governance. Andy is a founder and immediate past Chair of the International Credit Union Regulators Network and past Chair of the Credit Union Prudential Supervisors Association in Canada.
In her role as the Chief Operating Officer, Paola Saad's value-add at BBA ranges from managing day-to-day in-house operations to ensuring successful implementation of software solutions and growing business organically. As longtime president and founder of The Mandala Group Inc., she interacted with business and government leaders at multiple forums, hosted international events and engaged in discourse on a range of topics. Paola is passionate about implementing managerial best practices she assimilated over the years which will help steer BBA to success. Paola is a recipient of "Brazilian Woman in Power," - a joint award from the Canadian Federal Government, the Ontario Provincial Government, and a ConCid Brazilian Citizenship Council Award, for contributions to the Brazilian Community in Toronto. She is Chair of the Program advisory Committee for International Business at Centennial College and Executive Director at the Brazil-Canada Chamber of Commerce. Paola holds an MBA in Marketing from the University of Liverpool, UK, a Postgraduate Specialization in Public Relations from Ryerson University, and an Honors B.A. in Economics from the University of Toronto.
With over 25 years of experience in software development, Andrew brings a passion for building customer-focused systems that can scale from 10s of users to hundreds of millions of users. Andrew has a wealth of experience in a variety of technologies and enjoys working closely with customers during the system development phase and during the production phase to ensure that the software system is meeting the customer’s needs. Andrew has visited over 50 customer sites in 15 countries to maximize his systems’ customer satisfaction. Additionally, Andrew is the lead author of two patents and has earned several awards for innovation and teamwork. Before BBA, Andrew was a team leader at Trend Micro, a leading global provider of security software, where he introduced the first microservices for their SaaS offering. Before that, he was the Lead Developer at Emerald Health Information Systems, working on health care analytics. Since graduating, he has held positions at several Fortune 500 technology companies as well as start-up software companies. Andrew holds BSc and MSc in Computer Science from McMaster and McGill Universities, respectively.