Joan Toh Email & Phone Number

Singapore

Singapore

Singapore

- Oversees SP app- Drives product strategies and roadmap to build in the digital and sustainability space- Manages cross-functional teams to facilitate product development

• Led development of new product capability to improve end-to-end digital mortgage loan application process• Oversaw implementation and conducts cost-benefit analyses for strategic initiatives (e.g., 3-year strategic roadmap, sales incentive program, account opening automation, touchpoint management)• Forecasted key financial drivers and develops initiatives to achieve portfolio growth• Planned and implemented retention strategies to mitigate customer outflow, improving retention• Developed initiatives to drive customer online adoption, resulting in increase in online take up rate• Improved time taken for MIS reporting Ad-Hoc Projects• One of the 30 high performers selected for bank-wide Leadership Acceleration Programme• Implemented NPS tracking as a KPI for consumer banking and oversees initiatives to improve NPS• Led project for development and implementation of ESG strategy across all consumer banking products (planning overall strategy roadmap, performing market assessment, developing pricing strategy for secured loans products, defining and tracking success tracking matrix)• Assisted in industry-wide IBOR transition for consumer banking by developing pricing strategies, providing training and materials for front line stakeholders, liaising with operational team for smooth transition of 12M-SIBOR loans

1. Core Banking Marketing Team• Enhanced brand visibility through ATL and BTL marketing• Created internal marketing campaigns to target staff2. TMRW Digital Bank Marketing and Engagement Team• Conducted social media and website audits and recommended website re-design for TMRW• Liaised between external partners, tech and product team for partnership onboarding and MGM• Used design thinking to create digital banking customer journey map to identify key digital touchpoints and to analyze issues faced by customers at various stages of customer journey• Analyzed Thailand’s e-payment data trends to deliver insights and key opportunities for QR payments development recommendation3. Regional Mortgage Sales Management Team (Based in Thailand)• One of the top performing management associates selected for the rotation in Thailand• Designed and oversaw implementation of an alert system for fraud checks and special credit reviews to identify potential portfolio delinquencies• Improved turnaround time for mortgage applications by streamlining credit check process efficiency• Re-formulated interest rate payment calculator and reduced sales agents’ email response time

• Assisted PMO in managing project timelines to ensure timely delivery of projects from stakeholders• Assisted in defining costs related to building a digital bank • Work closely with stakeholders from multiple teams to ensure success of referral program • Provided research analysis of retail industry for partnerships

• Developed strategic initiatives• Tasked on projects to institutionalise Net Promoter Score (NPS) within UOB for SEA region.• Worked closely with team and relevant stakeholders to automate processes.• Designed and present NPS framework to Managers and Directors.• Researched on benefits of adopting NPS to facilitate adoption process.• Provided analysis on survey data of different business units to weigh pros and cons of NPS.

Bachelor’S Degree, Economics

Activities and Societies: NUS Women's Rugby Team, Residential College 4 (RC4) Project Director, RC4 Freshmen Orientation Camp (2014-2015).

Bachelor’S Degree, German Language

Awarded a scholarship to participate in a 6 weeks intensive German Language immersion program.