a) Works with companies across the globe in assessing workplace with the m5 Workplace Assessment and suggest recommendations to improve workplace based on data b) Specializes in creating business strategies, marketing strategies and executions for products and services in Malaysia, into Malaysia and out of Malaysia (B2C and B2B)c) Works in expanding and marketing Malaysian products and services within Malaysia and internationallyd) Works in establishing, expanding and marketing foreign and international products and services domestically in Malaysia and across the globe e) Works closely with aspiring and existing entrepreneurs especially women entrepreneurs in building and growing their businesses domestically and internationally

a) Promoted within two months to handle the market expansion, partnerships and business volume in seven countries in South East Asia – Malaysia, Singapore, Brunei, Vietnam, Laos, Myanmar and the Philippines (Malaysia was the initial coverage) b) Worked closely with the regulators in obtaining the remittance license in Malaysiac) Enhanced the presence and exposure in the assigned countries in South East Asia by collaborating with the government agencies, fintech associations and mediad) Worked closely with fintech companies in Slovenia, India, Vietnam, Singapore, Brazil, the US etc

a) Recognized as one of the Top 20 Malaysian Fintechs in 2020b) Bagged the awards and recognitions by Asia Pacific ICT Alliances and SITEC after merely 6 months of launching the product to the marketc) Acted as the ‘voice of customer’ by researching consumers needs and experiences d) Developed product marketing strategies – pricing, advertising, product launching e) Created product content such as videos, website copy, blog posts f) Measured and optimized the customer journey to increase the product feature adoption and usage g) Followed and analyzed market trends for product positioning h) Worked with various teams (design, technology, operations, customer experience, operations, compliance) to implement strategies

1. Credit & Debit Card Usage a) Recorded the highest number of credit card retail spend in the history of Hong Leong Bankb) Launched multiple key programs within short span of time – two as critical as within 24 hours. My team had always been the go-to-team to get things done effectivelyc) Developed attractive, relevant and cost-efficient marketing programmes targeting mass segment to make HLB Credit & Debit Card as the card of first choice among the cardholders and increase HLB market share for retail billingsd) Developed effective communication plan to promote the Credit & Debit Card usage privileges secured by the team via all relevant above-the-line and/or below-the-line communications i.e. press advertisement, radio, online advertising, point-of-sales displays, SMS, direct mailer, statement insert, etce) Evaluated P&L impact at programme and portfolio level to deliver maximum return on investment f) Developed and became custodian of digital strategy roadmap that articulates and prioritises high impact digital initiatives for Hong Leong Credit & Debit Card g) Led cross-functional teams consisting of IT, operations, business analysis, customer experience/service and stakeholders from different business units (implementation of digital strategies) 2. Remittance a) Managed the remittance unit starting in 2011 and had increased its revenue by 515.57% b) Spearheaded the retail remittance business including Foreign TT & maids/workers’ remittance, student forex, SMEs business forex, currency notes exchange, foreign currency accounts/multi-currency accountsc) Identified reputable and reliable partners to support and connect to the relevant payment corridors (Philippines, India, China etc) to quickly expand HLB’s reach and accessibility for workers’ remittanced) Ensured proper control and compliance of the business & processes; work with IT on systems, risk on compliance and Branch Operations Support/Digital Team on process and channels

a) Strong believer in understanding customers’ need in depth, hence initiated the activity to visit Top Remitters as a means to display bank’s appreciation and also to identify the strengths and weaknesses of the products/services. Received positive support and feedback from the remitters as it’s the first of its kind visit done by any of the banks in Malaysia b) Spearheaded the retail remittance business including foreign remittance & maids/workers’ remittance, student Forex, SMEs business Forex & currency notes exchangec) Led and motivated the team in Head Office and ground staff to grow remittance and Forex across key channels to accelerate non interest incomed) Managed business profitability and expanded network in strategic locations e) Identified reputable and reliable partners to support and connect to the relevant payment corridorsf) Ensured proper control and compliance of the business & processes; work with IT on systems, risk on compliance and branch operations on process and channels g) Developed effective sales & marketing strategies and pricing strategies to exploit Forex business opportunities and accelerate non interest incomeh) Leveraged on existing customer relations & networking with the companies to effectively promote regular remittances & Forex

a) Pioneered marketing and business development team for Retail Remittance unit. Have taken the opportunity to learn the system, compliance and operational matters. As a product owner, this acquired knowledge has added value during the training session to the distribution channels and to further assist them when they face challenges in selling the products to the consumersb) Launched SuperRemit with zero CAPEX and shouldered the responsibilities of being the Business and IT Manager due to the constraint in resources. Convinced Group Risk and Compliance to review the bank’s risk appetite as Indonesia was listed as one of the high-risk countries in Financial Action Task Force (FATF). Addressed all the issues and concerns raised by Central Bank and successfully launched the product in 2013c) Differentiated the product from other providers by engaging customers with innovative campaigns which are directly inclined towards their interest. For instance, introduced ‘IDOLA HLB’ (the first ever initiative for Indonesia remittance products in Malaysia) which has successfully created massive awareness and brand associations with the target group d) Identified and built innovative marketing strategies and plans to drive the business blueprint and roadmap e) Led development of new products, worked closely with regulators, vendors, sales and various key cross-functional teams f) Monitored, analyzed market trends and competitors’ activities g) Worked closely with appointed vendors, suppliers and agencies during the marketing campaigns and products pre-launch stages h) Communicated and trained the distribution channels and sales personnel on the newly launched campaigns and products i) Maintained good relationship and continued to motivate the distribution channels and sales personnel in order to ensure the campaigns and products will be on top of their mindj) Responsible in ensuring that products’ financial targets and ROI are met

a) Established and implement marketing initiatives as per clients’ objectives b) Led nationwide sales force team in meeting clients’ expectations and targetsc) Headed the execution of the marketing programs and events nationwide d) Communicated and trained the sales personnel and operations team on the programs and events’ key deliverables and targets e) Responsible in the team’s performance and meeting the clients’ objectives and targets f) Empowered full force national business development team in achieving sales figures 30% higher than target