Built on the virtue of Malasakit (a linguistic tagalog reference to care and concern), I am responsible for building Workbank (www.workbank.com) to become a formidable talent solutions platform in the Country. I head an inspirational team of local talent that designs, develops and moulds a technologically adaptable platform that aims to simplify and enhance the recruitment industry in the Philippines. By leading a collectively aligned team, we aim to become a primary job site for jobseekers and recruiters across the Country while improving the job hunting experience with benefits available for all users.In a short period, Workbank has evolved as one of the major players in the Philippines and the business continues to evolve as a unique solution that attracts the young and experienced talent in the Country. As the first job site to launch the Workbank E-card, we have built a platform that goes beyond job hunting by creating an experience associated with the journey.

Reporting to the AGM, Retail and Consumer Banking, I led a team of 9 individuals overseeing all areas of product management, development, innovation and profitability across Assets, Liabilities and customer segment value propositions. This further expanded to include Wealth Management in 2017Some key responsibilities and achievements included:- Developed and refined the Retail banking product strategy, customer value proposition and customer segments on an ongoing basis. - Introduced new customer value propositions across different customers segments in Retail Banking- Introduced sale of products STP online via internet banking. This included personal loans, saving accounts, time deposits and insurance.- Chaired the Retail Credit Committee working closely with Retail Credit to ensure the range of products are in line with the banks risk appetite but profitable.- Launched Wealth management for Retail Banking including an organisation wide roll-out for certified wealth advisors in collaboration with CISI. Obtained Level 3, International Certificate in Wealth and Investment management certification with an official title of Associate (ACSI).

My role included the development and implementation of the overall Retail Strategy with a particular focus on Enterprise Banking (SME) and Sadara (Privileged Banking). My responsibilities included:- Designing and presenting the strategy for Retail Banking, Sadara, Private Banking and Enterprise Banking in line with the market environment, the bank’s overall arching strategy and the stakeholder expectations. - Led the segmentation process for Enterprise Banking (SME) categorising customers based on their relationship and enhancing the customer value proposition. This business was a recipient of the ‘best SME bank of the year, Qatar’ in 2015 awarded by the International banker and ‘SME Bank of the Year in the Middle East’ by the Asian Banker in 2017.- Developed the go-to-market strategy and business plan for the Mortgage lending business including improving the operating model, end-to-end processes and developing appropriate sales tools.- Supported all other improvement initiatives for Sadara and Private Banking including rectification of processes and operational issues.

Responsible to develop performance management tools for Sadara Wealth Management and Private Banking, enhance the Sadara offering and assist in the development of business strategy for the affluent and HNW segments. Also responsible for managing investment product development and sales.

A division of Commercialbank, Commercialbank Capital (COMCAP) was launched with the objective was to provide “onshore” local investment banking and merchant banking services in Qatar, Oman and the United Arab Emirates.With my investment management background, I was an ideal candidate to be part of this high performing team. My key responsibilities included: - Generating business ideas for clients on disposals, acquisitions, mergers, joint ventures,restructuring, and/or financing through equity, debt or mezzanine.- Preparing pitch documents and carrying out valuations of companies.- Established new partnerships across the globe to offer international brokerage services.- Part of the execution team for 3 mandated investment banking deals that included a real estate company, a group holding company and a listed fuel distribution company.- Implemented a white-label state-of-the-art international shares trading platform providing seamless access to different markets including the launch of a mobile app. This business is now self-managed and still operational.

My efficiency in establishing the key pillars in NRI Banking led to an assignment where I was fully responsible for the setting up and incorporating a 100% owned subsidiary of Commercialbank that provides investment services, brokerage and asset management. Key responsibilities- Led the incorporation of Commercialbank Investment Services (S.P.C) as a separate and legal entity, a 100% subsidiary of The Commercialbank of Qatar for offering investment services.- Set up the foundation and infrastructure for the company to offer the underlying servicesincluding the development of the Company’s brand-mark and marketing collaterals.- Worked closely with the regulators viz Qatar Financial Markets Authority, Qatar Exchange and other government bodies for submission and issuance of the licence for the new company- Project lead for the implementation of a Brokerage Order Management System (OMS) including an online trading module. Successfully implemented in 5 months.

This role evolved due to my ability to make change and deliver results. I was responsible for developing products catered to the NRI bankable population in Qatar as well as develop new partnerships and business through the vast network of companies and SME's managed by Indians in Qatar.Albeit a short 7-month stint, my contributions directly increased the profitability of NRI Banking by:1. Laying the foundation for the non-resident segment to be established as a separate entity withinretail banking targeting the non-resident Indians (NRI) and Filipinos (NRP) and Egyptians (NRE).2. Establishing new partnerships with HDFC Bank and South Indian Bank to expand the NRI offerings.3. Established a strong network of Indian business professionals.

During the initial 5 years with Commercialbank, I evolved to be an integral member within theInvestment Banking team particularly in Investment Management as an analyst from 2004 until June 2007 and thereafter as the Manager of the bank’s proprietary portfolio.During these years, my key responsibilities and achievements included Portfolio & Investment Management, Asset Management and Capital Markets some of which included: - Managed and collectively grew the proprietary book 6x with an average return of 11.91% p.a. over 5 years. - Pitched successful mandates for portfolio management.- Identified products for mass retail (corporate and individual) distribution, as white labelled products or third party distribution, jointly with the Wealth Management division.