Michael Khoi

Built and led a multi-country fintech, BNPL, e-commerce and last-mile logistics ecosystem serving over 10M users across several countries. Key achievements: - Expanded operations across Uzbekistan, Pakistan, Lebanon, Kazakhstan, Iraq, Jordan, China, India, Kuwait and Switzerland. - Managed a workforce of 700+ employees and contractors across regions. - Launched and scaled BNPL, digital lending, inventory financing, and merchant credit products. - Built ZOOD Mall with 4M+ SKUs and 30,000 sellers (local + cross-border). - Developed Fargo, the #1 last-mile logistics network in Uzbekistan (up to 40% market share). - Secured and negotiated strategic partnerships with banks, marketplaces and telcos. - Led multiple fundraising rounds and due-diligence processes with international banks and investors. - Managed the restructuring and wind-down of ZOOD following sanctions and credit-line freezes; executed asset sales and ensured legal compliance in all jurisdictions. - Oversaw all P&L, risk, technology, product, finance, compliance and governance.

Advisory for Fintech • Digital Lending • Banking • E-commerce MKEMA Partners is a boutique advisory and execution firm helping banks, telcos, fintechs, e-commerce platforms and investors build, scale and transform fintech, BNPL, digital lending and cross-border e-commerce operations. We operate across Central Asia, the Middle East, South Asia, Europ and Africa, offering a unique combination of strategy, product, technology, risk, cross-border business development, M&A advisory and C-level recruitment. We support clients across the full growth lifecycle: market entry → product design → lending stack → risk & compliance → tech implementation → GTM execution → hiring → M&A. ⭐ What We Do • Fintech & Digital Lending Advisory: BNPL design, credit policy, underwriting, scoring, fraud, collections & Lending-as-a-Service (SaaS). • Market Entry & Scaling: GTM strategy, regulatory mapping, licensing, partnerships & operational setup in Central Asia, GCC, Pakistan, Lebanon and Africa. • E-Commerce & Cross-Border: China-to-EM merchant onboarding, settlement flows, lending marketplace design & platform integrations. • Technology & Product Execution: Full-stack development, mobile apps, API lending rails, BI/analytics, DevOps, QA & product delivery. • Risk, Scoring, Compliance: Risk frameworks, AML/KYC, scoring integration & collections infrastructure. • M&A Advisory: Target sourcing, commercial/tech/ops due diligence, competitive analysis & post-merger integration. • C-Level Recruitment: CEO, COO, CBDO, CTO, CPO, Risk/Compliance Heads & Country Managers for high-growth companies. ⭐ Why MKEMA Partners • Deep operational experience in 11 countries • Advisory + execution • Expert teams across tech, product, risk, compliance & BD • Strong China → Emerging Markets capabilities • Ability to structure, scale & transform fintech and credit-driven businesses • Proven track record with global partners and investors

Delta Car Trade SA (DCT), based in Switzerland, is an Integrated Automotive Group active in the European automotive distribution business. It is Europe’s leading online consumer automotive distribution and retail business. DCT has developed a unique vertically integrated network for selling new cars from over 30 different brands in over 20,000 configurations to consumers in Switzerland, France and Germany. DCT has disrupted the traditional European auto industry by creating a one of a kind, B2C e-commerce integrated distribution and retail platform with a real brick and mortar dealer network (“click & mortar” model). DCT directly reaches consumers through its Internet portals and through its own captive and branded franchise retail network of over 600 independent and multi-brand dealers. Visit www.multimarque.com As a technology driven company, DCT utilizes its proprietary technology to source cars from large brand dealers and OEM national importers across 10 European nations, taking advantage of pricing discrepancies. DCT’s proprietary technology synthesizes over 400 million lines of vehicle information into complete, uniform and accurate vehicle descriptions, including transparent pricing.

CNET Channel, a subsidiary of CNET Networks Inc. (NASDAQ: CNET), is the world’s leading supplier of product information technology specifically for the electronic catalogues of companies in the computer channel. 600 employees in the United States, France, United Kingdom, Russia, Germany and the Scandinavian countries. - In charge of marketing, responsible for products, communications and services worldwide - In charge of marketing, product operations, R&D for the CNET ChannelOnline subsidiary (USA) - Managing a team of 60 worldwide.

Information syndication company acting as an intermediary for the buying and selling of online news. Operations in France, United Kingdom, Spain and Germany. In charge of the marketing, purchasing and operations departments - Participation in the raising of funds and investor relations - Managing a team of 90. Sold to iSyndicate in 2001 (Group Bertelsmann).

Tech Data France, a subsidiary of Tech Data Corporation (Nasdaq: TECD), is one of the leading micro-computer wholesalers in the world serving more than 90,000 specialised resellers in more than 100 countries. Ranked 110th among the 500 largest companies in the world. - In charge of marketing, responsible for communications, Internet strategy and services- Definition and execution of the company's marketing services - Managing a team of 50.

A chain of computer shops serving the SOHO market with a turnover of 430 million Francs. 170 employees and 21 points of sale, quoted on the Paris stock exchange unlisted securities market. - In charge of marketing and sales, responsible for product referencing and communications - Defining the product range, and policy on pricing and services.