Accelerate digitalisation across all lines of business and group functions. Incorporate new ways of working, practices, tools and skills from the fintech ecosystem to innovate faster and better. (Work in progress)

On the side, I advise startups on business model, go to market, product development, hiring and the challenges of day-to-day business.

MoneyLion is a US-based fintech that provides 6.5 million users with banking, cash advance, credit building, wealth, crypto, rewards and other financial services powered by machine learning alongside comprehensive data analytics. Caters to the underserved and unbanked segment. Lead multiple teams under dual role of Growth and AI Strategy: • Discover: Drive retention through AI-powered content feed that includes behavioural data, personalised spend insights and generative AI content • Marketplace: Maximise 3rd party revenue by using bank transactional data and AI recommender to deliver most relevant affiliate offers across different channels• Social: Deliver p2p transfers, chat and social features to enable user generated content plus interactions; going beyond traditional banking experience• Referral & Rewards: Acquire 15% of new customers through engaging referral program with dynamic rewards system. Leverage on active users, social influencers and affiliate partners• Marketing Technology: Integrated marketing and data stack that brings together real-time customer tracking, attribution, lifecycle, analytics via Customer Data Platform• Growth Analytics: Data science team responsible for A/B tests, analyses, insights to drive product design, marketing spend and key business decisions• AI Service Delivery: Oversee AI product managers and their processes. Implement experimentation infrastructure and analytics framework across organisation

Founding team member of Setel, a venture under PETRONAS with Boston Consulting Group Digital. Execute product strategy for Southeast Asia’s first integrated fuel payment solution – transforming digital customer engagement for the oil & gas industry. Scale product teams in line with growth to 1000 petrol stations and 1 million users within a year. Advocate data-driven decisions by instituting comprehensive event tracking; fully equipping every team with self-service, real-time analytics capability.Lead Growth portfolio encompassing 6 teams• Fuel: Seamless fuelling experience by connecting mobile payment to petrol pump activation• Store: Full service retail experience with QR pay, receipt tracking and Deliver2me concierge service• Personalisation: Personalise live user journey by combining feature flags with event-driven architecture• Connect: Partner integration. Enable fuelling via Boost eWallet and in-car dashboard• Vehicle: Mileage tracking, vehicle management and geolocation service• Internal Tools: Improve service efficiency through operational portal. OCR to automate receipt processingAdditionally oversee• Engagement: Deploy and operate marketing stack encompassing mobile attribution, omni-channel customer lifecycle, analytics, rewards and referrals• Special projects

Responsible for delivering roadmap of Malaysia's pioneering Internet-of-Things (IoT) company. Directed a team of software developers, hardware engineers, product managers and UX designers to develop impactful innovations based on latest technologies. Successfully delivered solutions in the area of smart cities, smart agriculture, connected vehicles, smart home and other verticals.• Deploy smart agriculture for rice farms in Indonesia, which won Best IoT Deployment award at TechXLR8 among tech companies in Asia• Develop "MY VWDrive" connected car platform for Volkswagen that provides built-in predictive maintenance and safety features to car owners• Transform Cyberjaya into a smart city with Southeast Asia's first LoRa network and city-wide sensors• Design proprietary Sensor Hub with Intel, a hardware platform that enables mix and match of various sensors and technologies for IoT ecosystem. Finalist for TM Forum Disruptive Innovation Award 2018 at Nice, France• Present at tech events to evangelise the various use cases of IoT across different industries

Lay solid foundation that has driven AIA Bhd to the digital forefront of insurance industry. Transform existing capabilities by adopting cutting-edge technologies, modern software development practices and common frameworks. Work with management on defining and executing digital roadmap. Build internal competency by coaching, upskilling and hiring new talents. Subject matter expert for all things digital.• Set up cross functional team to design, develop and maintain enterprise mobile apps (iOS, Android & hybrid). Delivered 4 apps within the first year• By second year, mobile apps portfolio has grown to 8; covering agency, bancassurance, health services, customer self-service• Integrate various features including mobile POS, e-underwriting, straight-through processing• Spearhead first agile project in AIA Bhd, taking role of scrum master and technical lead• Strengthen mobile security by re-engineering apps according to security best practices and addressing vulnerabilities• Advocate user-centric design and enforce UI guidelines for digital products• Contributed to awards: Overall Winner in Mobile Technology, Model Insurer Asia Award 2015 and Digital Transformation, Asia Insurance Technology Awards 2014

Founded a startup that aims to make it fast and easy for organisations to establish a mobile presence. Responsible for strategic and technical decisions. Defined company strategy in increasingly crowded market by targetting untapped government sector. Shaped product development to sustain competitive edge despite minimal resources• Prepare and pitch business plan to investors; covering business model, market analysis and financial projections• Lead development of Mobriq, a cloud-based platform for generating mobile sites and hybrid apps. Scalable architecture supports distributed databases and multi-tenancy• Extensive frontend development to implement live editing and drag-and-drop interaction• Collaborate with MARDI on DoktorCili app for diagnosing and treating chilli crops• Invited to speak on public sector's transition to mobile; held at Prime Minister's Department, Putrajaya and attended by over 100 governmental organisations• Awarded Best Product Launch (Mobile & Communications) at MAD TechVentures 2013

Responsible for setting up development team and programming the application core engine. Handled design, development and deployment of various enterprise-level products for government and healthcare. Managed team across multiple concurrent projects; delegating tasks, providing guidance, uphold standards, ensuring timeliness and making sure goals are met. • Engage management to translate strategic plan into system design, while providing constant feedback and advising next course of action• Led development of in-house enterprise products from ground up with emphasis on modularity, scalability and performance. Components includes calendar, dashboard, document management, CRM, CMS, knowledge base, reporting, and workflow• Successful delivery of various IT solutions for different software/hardware environments• Developed Furnipoint.com, Malaysia’s first ecommerce furniture portalNotable achievements include development and implementation of web portal for Ministry of Housing & Local Government(KPKT). For their portal, KPKT has won the Best Government Web Portal for 2010 & 2011.

Responsible for development and implementation tasks involving various modules of flagship Content Management System for portals. Liaise with clients to gather requirements and resolve technical issues. • Headed a team of 3 developers towards successful completion of a tender management system. Responsibilities include requirements analysis, system design and documentation, technical mentorship, and managing according to CMMI processes.• Built an email notification system for TAR College which integrated with various internal applications via XML. Designed to handle high load from thousand emails sent concurrently from just one serverNotable achievements include implementation of web portal for Selangor State Government. The portal won the first place for Malaysia Government Portals and Websites Assessment for 2006.

Co-founded a digital agency to take on web development and design projects. Notable works include launching one of Malaysia's first matchmaking portal.