Sing Yean Tan

Payments, Fraud, Identity, E-Wallet, Wealth

Ecommerce Payments, BNPL SEA and EU

Lead a driven team of 6 in Indonesia to analyse, propose and implement initiatives to meet key business objectives in one of the leading Fintech companies in Indonesia  Fintech Card – Designed and developed the first Fintech card balance build product using an API-based CMS  Customer Lifetime Value – Improved profitability and reduced NPL via customer segmentation and pricing adjustments after conducting an in-depth customer lifetime value analysis  Commercial Negotiations – Negotiated commercials with banking partners and implemented both channeling and card products with both local and international banks  Product Consolidation – Implemented major back-end loan allocation logic re-design to allocate funding sources more effectively, reducing downtime and improving approval TAT  Internal Programs – Developed the rigor of internal acquisition and collection programs such as pre-approved campaign, early repayment program and debt servicing plan  Collections - Set up the KPI dashboard and incentives plan for the collections team

Gather business requirements, translate into project plans, and lead execution, consistently delivering on-time and below budget.  Virtual Credit Card – Spearheaded the first Virtual Card in Vietnam and second globally in Standard Chartered.  Loan on Card – Launched a first-to-market loan on card product featuring bullet repayment model.  Digital initiatives – Implemented a reward burn engine driving breakage and allowing automated redemption. Launched 3D Secure with a successful campaign that sustainably increased activation by 10% and spends by 8% post campaign. Launched EMV, Paywave, and industry-wide projects routing transactions through a local switch.  Payment Partnership – Grew repayment channels to 2,000 locations with Payoo, incorporating risk management and due diligence controls.  Facilitated a $500,000 affluent leads base and new acquisition channel with Lotte Mart.  Top Performer – Recognized as “High Potential” by executives for top 10% performers for all 6 years in the Bank.

- Launched a hugely successful credit card with a unique proposition in the market, which helped to double the cc sales volume within 2 months of launch - Led the focus group and market research studies to arrive at the ultimate product construct, and personally set up the product in back end systems - Managed the P&L of multiple card products including the largest card portfolio on the book - Specialised in co-brand card and partner management to drive synergy - Launched the sales over phone channel, designing processes, incentive plans and optimising inbound call centre efficiency over a 1.5 year project, making this the 2nd largest acquisition channel for unsecured products by the 2nd year - Successfully executed the exit of a co-brand partnership and card base with minimal issues/complaints from clients

Manage segment development portfolio strategy and communications Run events end to end from lead selection to execution Run analytic studies to understand impact of campaigns and manage profitability

Built models and conducted business analysis on HOST properties in Asia Pacific. Prepared monthly management reports to be presented to top management in the US

Part of the team that audited major financial institutions