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Founder | Digital Assets | Payments and Embedded Finance | Agentic Commerce | Sales and Partnerships | Ex-DBS Bank, Citi , HSBC, Qatar Development Bank
I build & scale digital banks , marketplaces and payments businesses. I've done it at my startup, at one of Asia's largest banks, at a government development bank. That range — founder , corporate executive ,operator to venture builder — is what makes my story unique. And my journey of discovery & execution , that I am moving forward with, to unlock incredible value. In 2017, I co-founded SOCASH — a real-time push payment and Visa Direct network scaling to $680M annual transaction volume across 6,000+ merchant endpoints in Singapore, Malaysia, and Indonesia. We built BaaS and embedded finance infrastructure for DBS, Standard Chartered, CIMB, ICBC, Singtel, Visa, and JCB, raised multiple VC and strategic rounds, and closed a 100% acquisition by Nium Inc. in 2022 — delivering a full exit and strong investor returns. My corporate career spans HSBC and Citibank, where I cut my teeth in credit cards, payments and mobile banking across Asia Pacific, through to DBS Bank, where as a founding member of the digital banking team I built DBS Remit from zero to $80M ARR business. As Chief Digital Officer at Qatar Development Bank (board mandate, reporting to CEO), I led full enterprise transformation. I'm doing it again right now at Standard Chartered Ventures building its AI native Marketplace with embedded financing. I operate at the intersection of technology & business opportunities: founder instinct, P&L ownership, deep payment infrastructure expertise (push payments, cards, cross-border, real-time rails, digital assets), and regulatory fluency across MAS, CBUAE, QCB, and HKMA.
EDHEC Business School
MBA, Finance & Marketing
January 1, 2007 – January 1, 2008
National Institute of Technology Calicut
Bachelor of Technology (BTech), Industrial Production Technologies/Technicians
January 1, 1997 – January 1, 2001
SC Ventures by Standard Chartered
Venture Builder
August 1, 2025 – Present
Dubai, United Arab Emirates · On-site
Qatar Development Bank
Executive Director & CIO
September 1, 2022 – June 1, 2025
Doha, Qatar · On-site
SOCASH PTE LTD (Acquired by NIUM)
CEO & Co-Founder
February 1, 2017 – April 1, 2022
Singapore · On-site
DBS Bank
Senior Vice President, Digital Bank
June 1, 2010 – January 1, 2017
Singapore · On-site
Citibank
Assistant Vice President ,eBusiness Group
June 1, 2008 – June 1, 2010
Singapore
Citibank
Manager, Credit cards Loyalty
February 1, 2004 – August 1, 2007
Singapore
HSBC
Analyst
February 1, 2003 – February 1, 2004
India
Remittances - DBS Remit (The best way to send money to India , Indonesia, Philippines, Hongkong & more in pipeline)
October 1, 2012 – June 1, 2013
The best online remittance service in Singapore - India corridor. Customers are delighted, they get the best FX , the best reach (104,000 Bank branches) and best of all , no "processing fees".
Citi Mobile Banking
April 1, 2009 – October 1, 2009
When smartphones had just appeared on the horizon and data plans were considered expensive we at Citi saw the future of banking. The ability to be with the customer and get embedded into customers transactional life was the compelling enough business case, based on which we developed Citibank's first mobile banking app in Asia Pacific in Singapore. Citi has never looked back ever since in innovating on this platform
Cultural Fit Analysis
The candidate's career trajectory shows a strong inclination towards innovation and disruption within the financial services industry, moving from traditional banking roles to venture building and fintech entrepreneurship. This indicates a proactive, adaptable, and growth-oriented mindset. Their experience across diverse markets (ASEAN, Middle East) and with various types of organizations (large banks, startups, development banks) suggests an ability to thrive in varied cultural and organizational environments. However, the target role 'Software Engineer' seems misaligned with their extensive executive and strategic leadership experience, which might indicate a mismatch in expectations or a significant career pivot not fully elaborated.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership, strategic thinking, and communication skills through their extensive experience in executive and founder roles. Their ability to drive digital transformation, manage complex projects, and build strategic partnerships indicates a high operational fit for senior roles requiring vision and execution. The descriptions highlight a results-oriented approach, evidenced by achievements like doubling trade finance portfolios and achieving high digital onboarding rates.