Jan 2021 – Present · 5 yrs 4 mos

• PinBox is committed to digital micro-pension inclusion in Asia, Africa and Latin America. PinBox helps design, build and deploy inclusive, digital micro-pension systems that enable and encourage non-salaried workers to save for a secure and dignified retirement.

Jan 2021 – Jan 2024 · 3 yrs · Singapore · On-site

• Architected HSBC's global embedded finance and Banking-as-a-Service business from zero to $1Bn TPV in 12 months, establishing the bank as a category-defining BaaS leader.
• Built the first BaaS integration with Oracle NetSuite (US) and forged a $35M joint venture with TradeShift across the US, UK, India, and China.
• Transformed delivery capability by unifying technology, business, and partner teams, reducing client onboarding time by 75% and credit decisioning by 50%.
• Introduced a lean governance framework delivering 40% cost efficiencies and $50M in annual savings per market.
• Founded and led a mission-oriented team of 250 professionals across global locations, introducing product management, customer success, and service design as new capabilities.

Jan 2019 – Jan 2021 · 2 yrs · On-site

• Spearheaded the Google Pay Singapore launch achieving 1 million users in 5 months and capturing 40% of national PayNow transaction volume.
• Architected three industry firsts: the first-ever tokenized bank account integration, pioneering open banking API frameworks, and the GooglePlex Account a fintech partnership without precedent.
• Led Google's strategic regulatory engagement across APAC, developing compliance frameworks that reduced regulatory risk by 30% while accelerating market entry timelines.

Jan 2017 – Jan 2019 · 2 yrs · On-site

• Built and led a new APAC function unifying sales, partnerships, and product teams across the Google ecosystem for retail and ecommerce.
• Supported the strategic acquisition of Google's US$550M stake in JD.com, one of Google's largest-ever emerging markets investments at the time.

Jan 2016 – Jan 2017 · 1 yr · Singapore

• Member of APAC leadership team at Schroders working for Regional CEO with global management team. Newly created role to drive digital transformation across channels and marketing through organic growth as well as through alliances and alternative distribution partnerships. Also mandated to explore direct to consumer funds management offering.

Jan 2014 – Jan 2016 · 2 yrs · Singapore

• Responsible for international expansion and supported brand & marketing for BankBazaar.com, a leading online financial services website offering instant access and quotes on loans, credit cards, savings and insurance products. BankBazaar is venture funded by Amazon, Sequoia Capital, Fidelity and Walden International.

Jan 2008 – Jan 2014 · 6 yrs · On-site

• Directed digital transformation across 30+ markets (mobile, internet, ATM, POS), winning World's Best Consumer Internet Bank for 5 consecutive years.
• Generated $325M in combined impact ($125M revenue, $200M savings) through strategic alliances with Google, Adobe, Samsung, and government agencies.
• 10x growth: Expanded active digital customers from 500K to 5M globally. Launched the award-winning Breeze mobile platform across 20+ markets with NPS of 85.
• Built and mentored a 600+ person team; alumni include regional bank CEOs, digital bank founders, and 15+ entrepreneurs.

Jan 2007 – Jan 2008 · 1 yr · On-site

• Member of the CIO's global leadership team across 30,000 staff; pioneered the Bank's first iPhone migration with Apple and built an award-winning innovation lab with Singapore Management University.

Jan 2005 – Jan 2007 · 2 yrs · On-site

• Led due diligence on US$511M Pakistan acquisition and a US$2Bn Middle East deal; co-led Travelex stake analysis that led to a strategic investment.

Jan 2002 – Jan 2005 · 3 yrs · On-site

• Developed cross-bank growth strategies across Hong Kong, India, and Malaysia; co-led the Group's global MBA programme and helped the CEO define the Bank's strategic brand framework.

Jan 2001 – Jan 2002 · 1 yr · On-site

• Managed analyst, investor, and rating agency relationships for Group CEO and CFO during 9/11 crisis communications and CEO transition.

Jan 2000 – Jan 2001 · 1 yr · On-site

• Supported global media communications strategy and co-led the Bank's internet and intranet development during a critical growth period.

Jan 1999 – Jan 2000 · 1 yr · On-site

• Managed a corporate banking portfolio across UK and Asian clients; first exposure to the intersection of commercial banking and relationship strategy.