WP. Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia
Dynamic and result-driven professional with over 15 years of experience in business portfolio management. Proven track record of developing and executing successful change initiatives that drive outstanding results and revenue growth. Proficient in leveraging innovative financial technology solutions to maximize productivity. Strong analytical skills coupled with a creative mindset, adept at identifying market trends and adapting market strategies accordingly. Passionate about transforming financial services through technology and committed to delivering high-impact results.
As Head of Credit in Monee, I lead a mission-driven team focused on transforming how people access and experience financial services. We are building technology that simplifies complex financial processes, improves transparency, and delivers real value to underserved markets. My background spans fintech, strategic growth, and capital markets, with a track record of scaling ventures and navigating the intersection of innovation and regulation. At Monee, I’m focused on setting long-term vision, driving execution, and forging strategic partnerships that fuel sustainable growth.
Manage and expand BPO business through acquisition of knowledge from existing operation process. Develops competitive advantage of BPO business through enhanced AI based collection score to continuously fine tune collection strategy and improve manpower efficiency. • To establish a digital operations service provider aimed at optimizing client cost efficiency and improving end-user satisfaction. • Working with IT and vendor to develop AI based collection score with automated processes such as calling strategy and legal notification. • Working with compliance officer to establish BPO policy and procedures to ensure operational processes comply with client and regulatory requirements.
• Accountable for business performance for Hire-Purchase financing including sales, revenue, asset quality and profitability. • Responsible to guide, lead and develop talent for succession planning. • To analyse and identify business opportunities via PESTLE, SWOT etc. • Develop cross-selling strategies to support group’s revenue and promote company eco-system. • Worked with DX team to implement digital on-boarding among the business partners. Significantly improved turnaround time by 30% meanwhile improving better portfolio mix. • Enhance business processes to increase operation efficiency to maximize customer satisfaction. • Refined Used Car Financing Scheme by leveraging on engagement with external score. Successfully elevated business size by 150% while maintaining healthy portfolio and increased operation efficiency. • Involved in development of Auto Approval to achieved 3 minutes approval for Vehicle Financing business. • Introduced automated “Merchant Management System” in vehicle financing businesses aimed to reduce fraud as well as business partners’ rewards.
• Accountable to business performance including sales, revenue, asset quality and profitability. • Leading both product marketing and merchant service unit teams consisting 50 staff across the country. • To guide managers in achieving success in their roles. Develop skillsets and abilities to achieve their goals. • To work with credit operation to develop comprehensive credit criteria and competitive business scheme. • To lead and guide merchant service unit to develop local strategies to maximize business potential from each region. • Project lead of “Pay at Merchant” system development and execution. Increased physical payment channel by 200 touch points and consistently collecting over 3million of instalments every month. • Work with Digital Planning Department to introduce “pre-assessment” scheme to provide instant approval limit to good quality customers.
• Accountable for weekly, monthly and yearly sales budget for central sales team. • Responsible to provide guidance and supports to central sales team. • Key account management for major retail players in the industry. • Supply Chain Management from ordering to retails sales. • Develop strategies and marketing activities
• To expand digital cameras business into Electrical Chain-stores. • To develop plans for business partners to explore opportunities in non core product line up. • Collaborate with co-worker on cross selling products in order to assist business partners to develop competitive advantages.
• To introduce and sell new product via B2B/B2C customers. • To plan and execute projects for clients to achieve customer satisfaction. • To deal with manufacturer on supply chain matter.