• Develop, maintain and manage credit card & payment to sustain profitability and growth • Identify and develop strategic partnerships for co-brand (PLCC), acquisition and usage.• Lead development of a next generation of end-to-end digital process and services • Develop and execute an overall marketing and customer communications strategy

• Led digital transformation of the franchise, and launched award-winning new digital platforms• Doubled mobile usage, and significantly scaled up digital acquisition of retail, credit card and loans customers• Managed country marketing, and launched social media platform, and executed large-scale marketing campaigns• Set up CX (Customer Experience) team to improve customer journeys across customer touch points, especially on digital platforms.

• Leading a team of 20 with full responsibility for digital banking – both retail bank and credit cards• Spearheaded bank's digital transformation with re-launch of new mobile app and internet banking platform• Received multiple awards for new mobile app - Korea Multimedia Technology Award from the Minister of Science, ICT, and Future Planning (1st in banking), Mobile Award Korea 2017, Innostar Innovation Award, etc.• Launched a remote account opening process, removing the mandatory requirements of branch visit, enabling the company to offload branch transactions over 50%• Launched an online straight-thru-processing for unsecured personal loans, which allows customers to receive loans within an hour without the submission of documents (income, employment) and branch visit• Developed Citi Korea’s mobile payment solution ‘Smart Pay’; Launched Samsung Pay, Kakao Pay, SSG Pay etc. for Citicard to be embedded as a payment facility in such partners’ platform• Championed Citigroup’s global Fintech program, “Citi Mobile Challenge” APAC for local Fintech developers.

• Responsible for Credit Cards acquisition across 12 APAC countries • Led regional project task force teams – approval rates, pull-channel cross-sell, sales process innovation, and early engagement etc.• Organized and led regional forums for Cards business heads and hi-po talents to develop a new growth strategy and actions plans• Managed APAC Region’s Incentives & Sales Campaign – Champions’ Forum

• Implemented a number of large-scale usage promotions and targeted activation campaigns which resulted in huge incremental card retail sales & brand awareness• Significantly contributed to growth of Loan portfolio - 200~300% sales & ANR• Built a Customer Engagement Program - Early Activation, Proactive Sales Model, Pricing/Response Model• Launched successfully a Dining Program and a localized Citi World Privileges that have significantly established a perceptual scale in branding and customer satisfaction• Received “Citi Cards Special Award” from Citibank Asia Pacific CEO • Selected for exceptional talent development program, an external one-on-one “Professional Coaching” for 15 months

• Developed strategic plan for leading telecom company by identifying new business requirements and process improvements. Recommended $6 million expenditures on IT.• Performed fit analysis of eCommerce, Customer Relationship Management, and Supply Chain Management for $700 million-asset chemical company.• Created market expansion strategy for major retail company's convenience stores division.