Martyna Malinowska, FRM

Co-Founder

Singapore, Singapore13 yrs 11 mos experience
AI EnabledHighly Stable

Key Highlights

  • Led AI-driven product strategy for a major learning platform.
  • Co-founded Indonesia's largest financial wellness platform.
  • Expert in product management and AI implementation.
Stackforce AI infers this person is a FinTech and EdTech expert with strong product management and AI capabilities.

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Skills

Core Skills

Product ManagementArtificial Intelligence (ai)Product DesignFintechInvestment BankingRisk Management

Other Skills

AI implementationAI-driven product strategyAgile MethodologiesAnalysisAnalytical SkillsB2B SaaSB2B long-tail revenueB2B2C product suiteBondsCorporate and Investment BankingFinanceGTM strategiesIdeas DevelopmentInternational FinanceLeadership

Experience

Miller center for global impact

Mentor

Jun 2025Present · 9 mos · Global

  • Mentoring mission-driven startups to strengthen their business models and maximize social impact.

Elsa, corp

Product and Growth Director

Jun 2024Present · 1 yr 9 mos · Singapore

  • Leading AI-driven product strategy and growth for ELSA’s AI learning platform, serving both enterprise and consumer users.
  • Lead AI-powered learning innovations leveraging voice AI, conversational AI agents, retrieval-augmented generation (RAG), adaptive learning algorithms, natural language processing (NLP), speech recognition, and generative AI — delivering hyper-personalized, data-driven learning experiences to millions of users at scale.
  • Launch and scale enterprise products, deploying AI-generated content and hyper-personalized learning paths to drive adoption.
  • Drive adoption in K-12 and higher education with age-appropriate, AI-powered role-playing and classroom learning experiences, built on responsible AI principles and privacy-first design.
  • Grow B2B long-tail revenue through self-serve acquisition, optimized onboarding, and in-product monetization.
  • Partner across marketing, sales, and product to execute GTM strategies that accelerate adoption across enterprise, education, and consumer markets.
AI-driven product strategygrowthvoice AIconversational AI agentsretrieval-augmented generation (RAG)adaptive learning algorithms+7

Aquila.is

Product Management Advisor

Apr 2024May 2024 · 1 mo · Singapore

  • We reduce costs and risk of ESG KPIs verification and monitoring by using real-time Iot data infrastructure.

Gajigesa (acquired by kredivo group)

Co-Founder, Chief Product Officer

Nov 2020Jan 2025 · 4 yrs 2 mos · Jakarta, Indonesia

  • Acquired by Kredivo Group
  • Series A start-up
  • The biggest financial wellness platform for employees in Indonesia
  • Managing product, design, research, marketing, data and engineering functions
  • B2B2C product suite [SMEs and Enterprises]
  • AI implementation (loan portfolio risk models, support tools, product personalization, workflow automation)
  • Women World Banking Leadership Circle member
  • Miller Center for Social Entrepreneurship Leadership Network member
Product ManagementArtificial Intelligence (AI)LeadershipStartupsTeam ManagementAgile Methodologies

Sc ventures by standard chartered

Product Lead

May 2020Nov 2020 · 6 mos

  • - Product market research and launch for the new digital bank in Singapore, Trust Bank, with 12% of Singapore residents becoming its customers

Lenddoefl

3 roles

Product Director

Jul 2018May 2020 · 1 yr 10 mos

  • B2B SaaS
  • Managed product, product design and market research for the first alternative data insights, verification and scoring company in South-East-Asia with 100 tier 1 banking and non-banking financial institutions as customers

Strategic Account Director, APAC

Promoted

Dec 2017Jul 2018 · 7 mos

B2B SaaSproduct designmarket researchProduct DesignFinTech

Credit Consultant, SE Asia

Jan 2017Nov 2017 · 10 mos

Micra foundation

Consultant

Jan 2016Dec 2016 · 11 mos · Greater Jakarta Area, Indonesia

  • Consultant to Microfinance Innovation Center for Research and Alternatives
  • Providing consultation on research, product development and international relationship.
  • Assisting in developing an international mapping of various stakeholders (NGOs, donors and the private sector), that have an interest to work or invest in microfinance.
  • Providing assistance in developing financing schemes of investment along with building and maintaining relationships with various donors and foreign investors.
Corporate and Investment Bankingfinancial strategyrisk exposure managementInvestment BankingRisk Management

Shareartistry

Co Founder

Jan 2014Jan 2015 · 1 yr · Singapore

  • o Launched a peer-to-peer marketplace.
  • o Worked on adding value to learning experience through connecting hobbyists to people interested to learn a new art under guidance of engaging mentors. As a co-founder I built the market-place framework, supply and acquired users as well as analyzed customer traction.

Jpmorgan chase & co.

Global Emerging Markets Business and Risk Control Analyst

Apr 2013Jan 2017 · 3 yrs 9 mos · Singapore

  • Corporate and Investment Banking, Global Emerging Markets, Rates Business Control Analyst
  • Overseeing South-East Asia (Indonesia, Malaysia, Philippines) market trading desks’ financials together with strategy and reporting their balance sheet, as well as risk exposure together with PnL explain numbers. Ensuring transparent trades booking, risk-taking and integrity of the Bank’s official books in face of local and global regulations.
  • Presenting desk trading strategy during review sessions and governance calls on desks financials with stakeholders.
  • Managing Financial and OCC audit queries; assisting in preparation of presentations on current controls measures.
  • Introducing products’ valuation changes based on the analysis of daily marking to market and conversations with traders; providing feedback on impact of new valuation methodologies and booking models.
  • Introducing globally convergent PL standards for Global Emerging Markets business in Asia (building controls and reporting tools).
  • JP Morgan Finance Networking Committee Member - Organizing Networking Events, Trainings and Courses bringing together Finance teams across the bank.

Ubs investment bank

Collateral Operations Analyst Intern

Apr 2012Apr 2013 · 1 yr · Singapore

  • Investment Banking
  • Executed daily collateralized OTC, REPO trading and margining activities for APAC region (sending margin calls; analyzing margin requirements; performing trades reconciliations; liaising with sales, marketers, credit risk controls to service clients’ queries on positions and valuations of their portfolio).
  • Monitored UBS and its Counterparties portfolio valuation disputes and investigating on roots of mispricing; prepared daily reports to be analyzed in management meetings.
  • Actively participated in transition into centralized clearing model for Japanese clients; testing new system functionalities.
  • Sought for enhancements of existing systems, provided business overviews and detailed specifications.
  • Team representative in global calls; cooperating with offshore teams (London, Sydney, Hyderabad) on daily solutions.

Kpmg

External Auditor

Feb 2012Mar 2012 · 1 mo · Warsaw Area, Poland

  • Intern in Information, Communication and Entertainment industries’ financial audit team
  • Interviewed clients, obtained documents from them in order to analyze financial information, accounting processes and operational processes of the companies.
  • Reported trends and anomalies in financial data thereafter.
collateralized OTC tradingmargining activitiesportfolio valuationInvestment BankingRisk Management

Bank bgz

Macroeconomic Analyst

Jan 2012Feb 2012 · 1 mo · Warsaw Area, Poland

  • Intern in Global Macroeconomic analyses department
  • Prepared macroeconomic (world’s economy, FOREX market, interest rates) and financial (capital markets) daily analyses and reports on the basis on raw data as well as market news.
  • Working extensively with databases (SQL), MS Office (Excel with VBA, Access) Bloomberg, Thomson Reuters terminals.

Schneider trading associates

Trainee Trader

Oct 2011Oct 2011 · 0 mo · London, United Kingdom

  • Trading Futures
  • Participated in interactive workshops, simulator training and live market access.
  • Learnt to understand market trends, indicators and performance using a variety of technical and fundamental techniques.

Ministry of finance of poland

Administrative Assistant

Apr 2010May 2010 · 1 mo · Warsaw Area, Poland

  • Intern In National Economy Department
  • Analyzed financial statements and statutes of privatized companies: created Spreadsheets in Excel, calculated financial ratios, looked for trends in their values, concluded about the impact of the privatization process on a company.
  • Office work, attended meetings with representatives of government.

Education

Nottingham University Business School

MSc Finance and Investment — Investments and Securities

Jan 2010Jan 2011

SGH Warsaw School of Economics

B.A. Finance and Accounting

Jan 2007Jan 2010

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Martyna Malinowska, FRM - Co-Founder | Stackforce