Executive Director of TerraPay's Singapore entity, a Major Payments Institution (MPI), licensed by the Monetary Authority of Singapore (MAS).

Lead global remit to drive GTM of capabilities, closely collaborating with Strategy/Solutions team and Platform/Engineering to align on market prioritisation, business case and roadmap. - Ensure readiness towards clients using the capabilities. - Collaborating with internal stakeholders is part of the day to day - such as legal, compliance, operations, customer success, finance etc to ensure various aspects of product are supported well. - And delivering through BDs, marketing and solutions teams to interact with clients and prospects.Examples of key initiatives include commercialising Swift and TerraPay collaboration for Pay-to-Wallets capability --> https://www.linkedin.com/posts/terrapay_terrapay-activity-7221477220572127232-o0ch?utm_source=share&utm_medium=member_desktop

Market development of payment use cases for APAC:- Business development of potential leads, exploring partnerships and assessing relevant solutions for payment use cases with payment service providers for APAC.

Developed channel partnership framework to extend opportunities of Mastercard capabilities for public sector segment.

GrabPay Card Regional Business Owner:- P/L owner for the GrabPay Card product as part of GrabPay wallet proposition, including commercialization and growing the GrabPay Card distribution and usage. Grew portfolio 5x in 10months. - Co-developed spend-boost programme ("Power Up") with cross-functional teams that incorporated elements of "One-Grab", which also balanced costs to drive spend whilst maintaining focus on key metric achievement.- Led assessment and trials of various programmes for portfolio boost - eg. subscriptions.- Review on cost and service levels for processor and other service providers for the running of the card programme regionally.FI/Scheme Partnerships Regional Head, GrabPay:- Primary relationship owner, engaging with MasterCard/Visa on commercial discussions. - Led team on cobrand card proposition, launch and management with key FIs in Malaysia, Philippines and Indonesia

Client solutioning for eCommerce segment of clients for Commercial Banking in APAC:- Working with RMs and wholesale bank product managers, to provide consultative solutioning for enterprises in APAC that sells via eCommerce, including optimizing collections of online proceeds leveraging most effective FX and account structures.Product delivery / Commercialization:- As more shapes and sizes of how eCommerce sales are conducted and the upstream and downstream of payments and collections needs evolve, the team engaged with Legal, Compliance, Risk, Product and Operations to commercialize account and other capabilities supporting a variety of sales models leveraging cross border 3rd-party payment aggregators.

Regional product owner of B2B digital payment capabilities- Development of virtual card payment capabilities to support procure to pay processes of enterprises.- This includes building solutions to enable the payment step, including invoice management and providing data for reconciliation, budgeting and reporting.- P/L owner managing regional budget of $x millions including including licensing fees (leveraging external platforms), market research, marketing and acquisition / promotions expenditure.

Market development for Southeast Asia:- Solicited 2 of the 10 targeted proof of concept FIs to test Visa’s development of DLT payment framework for B2B payments under “Visa B2B Connect” working with regional and global product managers and government relations stakeholders.- Sold and implemented Visa Business Solutions with FIs to address and improve procure-to-pay and order-to-cash challenges and needs. Specifically virtual cards for supplier payments with a large SEA bank. Won RFP in Malaysia as preferred brand for business cards with full suite of capabilities including enhanced data. - Solutioning of capabilities with the banks and large corporations in adopting these solutions, including performing needs assessment and requirements gathering to enhance virtual tokenized card-accounts payment capabilities to improve long tail payment processes.- Partnered with fintechs to enable enhanced offering to small businesses, and working with FIs. Support market level sales and awareness activities including engagement events discussing benefits of digitalization of payment processes with SMEs

- Product development and management of Visa Commercial Payment Solutions for Large/Middle Market and Government segments for Asia Pacific and CEMEA.- Presales and solutioning to FIs in adopting and incorporating Visa capabilities as part of total offering to local large corporations and regional enterprises in APAC and CEMEA

- Developed and managed partnerships with 13 financial institutions in APAC to provide Commercial Card solutions to wholesale banking enterprises, allowing the bank to offer T&E and purchasing programmes through strategic FI alliances without building our own capabilities in region. This also generates value to FI clients/partners.- Supported global deals with needs in APAC, and managed business reviews of existing clients in region.

- Implemented changes within the bank to comply with Payment Services Directive (PSD2)- Product development for commercial card payment solutions.- Supported deals and implementation.

Commercial cards product manager: - Key accomplishments included delivering Central Travel Accounts product for Citi Singapore which allowed companies who choose to centrally manage, pay for and gather insights of flights and hotels centrally. This allowed the travel managers to swiftly have data insights to negotiate with travel management companies, airlines and hotels.- Supported deals/sales for T&E and purchasing cards requirements.- Led implementation and onboarding for local clients, and supported consultative requirements gathering for global clients working with Citi offices across the world. - Key liaison with Visa and MasterCard for Commercial Cards matters.Prepaid Cards:- Before Singapore market had eWallets and other open-loop prepaid cards programmes, I led task force to develop prepaid gift cards as a trial to determine market feasibility. - Working with Legal, Compliance, Risk, Finance, Technology, Operations and Marketing, we developed business case, planned GTM, sought approval with MAS, and inked partnerships with malls to launch.

- Regional implementation for MNC clients with multi-country APAC requirements. Key responsibilities include performing consultative needs assessment, process mapping with clients’ internal expense management or ERP systems, setting up matrixed report-hierarchy based on access rights and job functions, and planning and conducting training to clients’ employees.

- Project Manager for Core Cash Management initiatives. Launched H2H enterprise solutions for bulk disbursements, Lockbox processing etc as examples.

- BeXcom: Presales/solutioning to Banks in Singapore, Taiwan and Thailand for Corporate Internet Banking solutions. The dotcom subsequently folded.- VCheq: Product engineer, developed a solution for banks leveraging card clearing and settlement network.

- Responsible for the rationalisation of savings accounts between DBS and POSB after acquisition of POSB with the largest savings accounts base in Singapore.- Developed business case, and implemented fee charges for accounts below min account balance thresholds. Beyond the business rationale, the project included the socio-economic aspects and executed waiver of fees for groups with select societal profile, eg. below specific income levels, single parents, etc.

Management Trainee for Branches Division which managed the retail banking operations for products through branches or self-service machines.- Managed physical cash operations and other aspects of operations for a branch for 1 year as part of the programme.- Spent following 2 years with UOB in head office, managed projects including migration of retail banking platform, launching self-service machines to save operational costs for the bank.