Singapore
• Leading a team of two, managing the Cards Strategic Initiatives & Product Management of the DBS Vantage Card • Delivering key business outcomes by leveraging on data insights to formulate strategy to drive incremental business value, rationalizing and improving efficiency of investments • Translating requirements between business and analytics team to deliver analyses with actionable insights • Coordination between the multiple Cards teams on budget planning, business performance / scorecard review, and driving key strategic initiative focus areas including experimentation, cognitive banking, customer demand management & AI/ML implementation • Facilitated the transformation towards agile horizontal organization squads, conducting and facilitating rituals across multiple cross-functional teams • Working with various cards schemes to improve market share reports, helping the team to benchmark against market on various retail sales categories performance and identify incremental areas of opportunities • Planning and launch of the new DBS Vantage Card from May 2022 • Coordinated the new product launch across multiple teams, including Business Analytics, Ops, Tech, Group Strategy & Marketing, bringing the product to market with a highly successful launch with new acquisitions & spend per customer exceeding targets • Ongoing Product Management of the DBS Vantage Card, including end to end planning and execution of card usage campaigns to drive customer engagement and spend, resolution of customer and tech issues, management & monitoring of product drivers & P&L, planning for improvements to card value proposition & benefits to optimize profitability while maintaining strong spend momentum
• Led a team of three, supporting management through providing insights on key financial drivers, income & expenses of the Payments & Platforms business (Cards, Unsecured Loans, Paylah) • Led annual forecasting & budgeting exercises, working with multiple teams across the Cards & Unsecured loans business to identify potential business opportunities for generating incremental income • Development and maintenance of financial models to better identify and correlate business drivers to financial outcomes and improve accuracy of forecasts • Monthly tracking to forecasts and budget, identifying variances and management reporting of potential risks & opportunities • Supported product teams for new product launch commercials, through business cases and simulation of multiple scenarios to ensure profitability and financial viability while remaining competitive • Management and review of all month-end closing processes across the Payments & Platforms business, including working with finance on accruals & manual journal entry submissions
Forecast & Business Planning Analyst, Cards & Unsecured Loans • Supporting the budgeting and forecasting of the Cards & Unsecured loans business • Performing PnL & business analysis to understand underlying drivers of the business and support the preparation of presentation decks • Building financial models to incorporate multiple scenarios for budgeting and forecasting • Working with stakeholders from cards products, finance, credit risk, operations and marketing to distil various objectives and data points into a cohesive strategy • Translating business and marketing requirements into sound business decisions weighing the costs & benefits of go-to-market strategies • Working with Finance in reporting and tracking accruals
• Handling financial reporting for multiple entities, including management and coordination of statutory and tax reporting • Handling GST reconciliation for Singapore entities • Engaged in digitalization efforts and projects to automate routine processes using VBA, Power Query and Python • Obtained Employee recognition award for automation of bank reconciliation process for 60 bank accounts in the region • Solution Architect for global project on automation of balance sheet flux report
• Performing financial statement audit for clients in the healthcare, defence, events and venue management industries • Performing attestation on value management for Singapore’s sovereign wealth investment fund • Evaluation of controls and risks related with various business lines • Performing year-on-year financial analysis for companies • Leading teams for audit engagements