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Led the Group-wide Commercial teams in annual strategy development & forecasting, monthly planning, inter-team coordination, partner management, business development/sales, capacity planning, and innovation projects. Notable achievements include: Achieved positive net profit in H2 2021 for iMoney PH. Developed the subscription revenue stream for iMoney PH – this novel initiative balanced both partner ambition and local regulatory requirements. Improved Group Q1 2022 performance by ~2x for revenue and gross profit vs. 2021, and near pre-pandemic performance with only ~50% of the headcount. Grew the transactional business’s share of Group revenue from ~35% to ~50%. Implemented Whatsapp for business for MY Personal Loans category, resulting in an immediate uplift of ~RM3.5mil in additional disbursements in Q4 2021. Customer contact rate grew from ~50% to ~90%, as it is the clear communication preference of Malaysians. Increased monthly gross profit per user by ~5x while monthly users grew ~2x (based on current forecasted run rate). Diversified the business through the development of new-to-market product categories such as Crypto, Robo-advisors, BNPL, Business Loans, Unit Trusts, and ECF, monetising idle assets across the websites, as well as created new monetisable value-add packages for partners. Drove the development of the Commercial and Customer Care Agent (CCA) teams across the group, through regular 1:1 sessions with direct reports, fortnightly sharing/training sessions, and driving performance culture emphasizing the importance of strategic thinking tied to key metrics and working for the ‘why’. Represented the Group in Management level meetings for strategic collaboration/exploratory meetings, e.g. fundraising, data partnerships, and larger-scale commercial partnerships.

Responsible for ~95% of the transactional business’ P&L, and ~70% of the entire MY business. Led the main credit product verticals to break revenue and gross profit records for numerous months, and brought the MY business back to positive gross profit a month after the first pandemic lockdown eased. Increase lead-to-approval conversion rate by ~4x for key provider partners through funnel optimisation initiatives, spurring said partners to offer improved commercial rates to reward performance and to incentivise continued growth. Main relationship manager with >20 partners and providers for the personal loans/financing, credit cards, credit score, home loans, and insurance verticals, as well as assisted with ~5 media clients and partners. Improved interdepartmental cohesion and workflow through an outcome-driven democratic leadership style – widely praised by colleagues from multiples levels within the company. Represented iMoney Malaysia on various public platforms including internal social media (Instagram, Facebook), mentoring on WOBB, and hosting for the opening of the #JomSkor Credit Score campaign with a partner bank, as well as was present at various conferences and events for the company. Awarded the 'No Drama' Award by the Group for contributions to the iMoney culture and employee well-being, through notable leadership in the early stages of the pandemic.

Grew the consumer-segment product line by ~5.5x from infancy to a RM multi-million vertical. Grew the consumer base 10x from <20,000 to >700,000 verified individual users. Grew consumer partnerships from infancy to ~10 active partnerships. Assisted in obtaining MSC pioneer status which lowered the tax rate from 24% to 5.3%. Developed the first personal credit report subscription product in Malaysia.

Successfully assisted an education NGO in SEA to close a USD 2.5 million funding gap through the development of a 5-year fundraising strategy. Led the External Good Practices workstream which involved collaboration on key learnings with numerous international and local NGOs. Developed high level HC/HR strategies and status reports for 17 Government-linked companies (GLCs) as well as a consolidated final report for a sovereign wealth fund after assessing the GLCs’ final-stage progress of a 10-year federal initiative aimed at increasing competitiveness and resilience to economic downturn. Final deliverables were well received by all clients and each GLC has graduated from the programme.