Making real estates affordable and accessible.

• Closely managed >30 High Net Worth accounts regionally with total investments portfolio over USD 10M, synthesizing curated portfolios with Kristal’s Financial Products.• Comprehensive understanding of clients’ internal and external portfolios, occupations, risk appetite down to clients’ individual objectives• Ownership of entire client’s lifecycle processes from prospecting, engaging, KYC, onboarding, portfolios, and relationship management• Proactive engagement with internal stakeholders such as legal, family office, private markets, investments trading to provide clients with an out-of-box holistic approach apart from clients’ investments• Establishing monthly/weekly drumbeat with high-potential clients to build relationship includes portfolio reviews, products introductions, solutions offering, so on and so forth• Generating forecasting data on AUM Growth, potential growth, new product penetration, potential inflows/outflows, upcoming pipelines, recurring revenue per customers, etc. for appropriate internal stakeholders• Proper documentations on client’s profile; objectives, risk profile, investment horizon, expected ROR, occupation, along with others related information• Consistently maintaining closure rates up to 80%

• Managed >10 HNW accounts with total AUM of SGD70M, orchestrating activities involving unit trusts, structured notes, FX, and dual currencies • Forged relationships to increase new client onboarding, enable portfolio growth (AUM, assets, product range), product awareness and penetration, and improve customer banking experience and satisfaction • Analysed and understood client needs to propose viable banking solutions while possessing solid knowledge of financial products• Escalated client feedback to internal stakeholders (Product & Service Delivery teams) and proposed suggestions to enhance bank’s image, services, and digital outreachSignificant Achievementso Increased quarterly sales by >300% from FY2019 to FY2020. o Grew AUM by 40% from SGD50M in FY2019 to SGD70M in FY2020, emerging Top 10 out of >60 Premier Relationship Managers in FY2020 o Cliched monthly average of 2 client referrals compared to internal benchmark of 1, in recognition of superior service standards and financial advisory

• Managed portfolios for ~1,000 Premier clients, providing services (cross-border fund transfers, telegraphic transfers, deposits, FX) in alignment with prevailing SLAs) • Trained new Premier Direct Relationship Managers; conducted inductions and provided guidance as designated mentor• Volunteered for internal projects relating to KYC of HNW clients and new system implementation user testing, clearing KYC backlog between 2016 – 2017 as part of 5-man task force through engagement with foreign clients to obtain necessary informationSignificant Achievementso Achieved service quality score of 8.5 out of 10.0 on average, significantly higher than internal benchmark of 7.5, by engaging customers and understanding their needso Referred ~5 potential HNW customers to Wealth Relationship Manager per month and average of 1 Private Banking client per quarter, facilitating expansion of organization’s reach and market share

• Managed portfolios belonging to >100 mass affluent clients, providing advisory on banking and wealth products (unit trusts, insurance) through financial needs analysisSignificant Achievementso Secured average of 7 new to wealth and 5 new to bank clients on a monthly basis, 75% above internal targets

• Managed portfolios of ~250 emerging affluent clients, providing advisory on banking products (unit trusts, insurance) through assessment of individual financial goalsSignificant Achievementso Exceeded sales targets by 20% in FY2013 Q1