Fintech & Digital Transformation leader with proven expertise in building & leading high performing teams. A strategic executive with a flair for making things happen, he has more than 25 years of experience with a track record of running technology led business lines across the growth lifecycle. He has launched and scaled more than a dozen digital platforms across Southeast Asia, including the first digital bank & cashless payment ecosystem in Singapore. Founded and working on twocents.ai aiming to disrupt the advisory and investment management space. Prior to fintech, spent 4 years in the Edtech space driving curriculum development, technology and products in the compliance training space. Grew digital banking as key lever of consumer business, delivering over 40% share of revenue and 95% of transactions at CIMB. At Standard Chartered he pioneered the mobile banking program and launched mobile apps across the 4 key markets in 2010. Recognized as one of the top 10 ASEAN Fintech Leaders by Singapore Fintech Association in 2021. MBA from INSEAD, Exec MSc in Behavior Science from LSE, UK and bachelor’s in engineering from BITS, Pilani, India, Also, a private pilot. Skillset : Digital, Behavioral Science, Nudge units, Design Thinking, Digital Platforms, Product Management, Growth Hacking, Digital Marketing, Transformation, Mobile Apps, Payments, Personalisation & Cognitive Banking.