CrediLinq.Ai 

We believe that every business should have hassle-free and fair access to capital that enables them to meet their growth aspirations. That is why we are disrupting credit underwriting and designing technology solutions to power business growth for small and medium enterprises (SMEs). 

As a fintech company, we are building a credit lending platform powered by our proprietary artificial- intelligence (AI) and machine learning algorithms. Our goal is to create a more inclusive, accessible, digital-first and frictionless customer journey where every business can get quicker access to growth capital.

We didn’t want to reconstruct or digitize the credit underwriting process. We wanted to reimagine it, and now we have revolutionized it.

We are also redefining private credit as an asset class. Our platform creates transparency for investors like Impact Funds, Institutional Investors, and Family Offices. 

Our technology allows us to mitigate threats and analyze risk factors way ahead of the traditional financing system. In turn, our data insights and reporting will give investors the needed transparency and peace of mind.

Partner and Chief Investment Officer

FXPRIMUS

Head of Investment Research

Boutique Hedge Fund

Senior Investment Associate - Multi strategy

Bank of America Merrill Lynch

Head of South-East Asia banking and markets business controls - Vice President

Business manager - South-East Asia corporate and investment banking 

APAC liquidity management and payments / Treasury management 

Estonian Ministry of Forgein Affairs

I this voluntary role I was involved in consular activities, promoting collaboration between ASEAN countries and the Republic of Estonia . Also, I was responsible for orchestrating events and meetings for delegates and representing the interests of Estonian citizens in Singapore and South-East Asia

Assistant Honorary Consul of Estonia

I am an entrepreneurial and creative problem solver with a can-do attitude. A natural communicator, culturally aware professional, and public speaker with a wealth of experience on TV and other forms of media. I speak and mentor on leadership, career and talent management, as well as financial markets.  

I've been described as adaptable, tenacious and resilient self-starter, and I enjoy work in high-pressure, dynamic environments. I consider myself pragmatic, people centric and result-driven. 

I have more than a decade of experience in financial services industry, having worked for a top-tier investment bank, hedge fund and a regional brokerage house. I am currently a senior executive (CIO and a Board Member) of a financial technology company, responsible for revenue generation, scaling the business, capital raising, and managing a portfolio of stakeholders. 

Professional conduct and impeccable work ethic are always my priorities.

Key competencies:

- Public speaking, Communication and Negotiation;
- Relationship Management;
- Critical Thinking and Strategic Analysis;
- Portfolio and Investment Management with a proven track record;
- Investment and risk management strategies across different asset classes;
- Financial analysis and modelling skills;
- Extreme resiliency and adaptability in high-pressure situations;
- Keen Attention to Detail while maintaining Big Picture focus.

Kaia R. Parv, CFA

PwC South East Asia Consulting

1. Led digital transformation by supporting clients to transform their technology and processes. 
2. Led a delivery team in providing end-to-end advisory services to our clients; in the areas of Technology & Operations Strategy, Enterprise and Solution Architecture, Emerging Technology implementations, Operating Model Redesign and reengineering.
3. Plan and organize the delivery of the advisory services, covering a cross-section of engagements of varying complexity, and for clients in the different industries 
4. Drive and streamline operations — all while managing risk and helping clients stay resilient.
5. Advised clients with banking-specific solutions and drive industry transformation, especially for Financial Services.
6. Build and localize PwC digital products to enrich client capabilities with digital assets.
7.  Leveraged disruptive technology solutions to digitize core operations and their business model to increase efficiencies.
8. Supported clients to optimize data and analytical capabilities for better decisions making, work more
efficiently, and find new sources of revenue.

Financial Services Strategy & Ops Director

Deloitte Consulting

1. Developed, built, and supported Financial Services Industries on their Process Excellence, Digital Transformation Agenda, Business Process Operations model, Intelligence Automation and Artificial Intelligence/Machine Learning, Future Operations Design, and any emerging technologies
2. Led & supported major Financial Services project delivery such as Customer Experience Journey & process excellence , Financial Crime Strategy & Clean up , Payment Model, IT & Core Banking Implementation, Analytics, Cyber Securities ,etc
3. Managed, developed, and groom high performance expertise in Core Business Operations team especially in Financial Services sectors.

Financial Services Operations & Transformation Leader

HSBC

•	Led Change Management & Digital Transformation Delivery across all Group Service Centers for highly complex & critical initiatives align with Industry best practice & methodologies.  
•	Launch & Executed 2019 Idea Challenges resulting 34 executable ideas with cost reduction of 26 FTE   (USD120K).
•	Presented & participated in 2020 Transformation Day to formulate USD730K in 2020.
•	Collaborated with various stakeholder and delivered on Robotic automation & digital initiatives across Consumer Banking Operations such as Mortgage, Tax , Credit Card, Payment,etc

Global Operations Transformation lead, Consumer Banking Operations

•	Headed nationwide ( west, east, and central) end to end Corporate Lending Operations from Facility origination , covenant , disbursement, legal signing & documentation, Vault management, Regulatory reporting.
•	Orchestrated seamless physical & cultural integration between Bank Ekonomi & HSBC Indonesia Management Office with a saving of USD300K and streamlined end to end key process to be best practice in Indonesia & Asia Pacific Region.
•	Attained best in class operations with implementing digital & streamlined initiatives such as centralization, FinSuite – OCR technology, HotDocs – Offer Letter Automation, and Robotic Operations with a cost saving of USD680K.
•	Accomplish regional & local award for best in class operations, most efficient operations, and best supporting function.

Senior Vice President and Head of Wholesale Operations

•	Oversaw Core Banking System Maintenance & Nationwide Third Party/ Vendor Management
•	Consolidated all third party/Vendor appointment & renewal request, examined and presented to the Board of Director Oversight Committees.
•	Strengthen third party governance policy with Third Party Scoring & Tender Matrix and formulated risk & control assessment for Vendor Management.
•	Examined & identified third party cost initiatives with business remodeling and reengineering.

Vice President Of Services

•	Led nationwide Consumer Finance, Credit Card, Mortgage and Personal Installment Loan Operations team.
•	Streamlined & Remodeled decentralized operations into centralized ones resulting in USD150K cost savings, 55% improved Turnaround time, and 75 % application accuracy.
•	Organized & launched third party OCR (Optical Character Recognition) resulting another USD250K cost savings.
•	Redesigned Group Workflow system (GWIS) to improve process handover from 14 steps into 4 simpler steps.
.

Associate Vice President Consumer Banking Operations

•	Engineered & Simplified Account Opening & Payment processes using Six Sigma methods resulting USD350K cost savings.
•	Built & Design end to end Integrated Complaint Management System ( CMS)
•	Assessed & reviewed Management Information Dashboard for Regional & Regulator.


.

Quality Process Improvement Manager

Citi

•	Processed all staffs payroll related payment to Third Party.
•	Formulated payroll related policy and communicated with Third Party.

Outsourcing Operations Manager

Korean Trade-Investment Promotion Agency

Develop a Market Research and Business for Korea companies who invested in South East Asia

Business Development Manager

I am a Digital Transformation Strategy and Operations Director at PwC South East Asia Consulting, with over 20 years of experience in consulting and financial services. I lead a team of experts in delivering end-to-end advisory services to our clients across various industries, covering Operations and technology strategy, enterprise architecture, IT business, and operations management, Technology solution delivery, and IT infrastructure.

I am a trusted advisor of C-level executives in leveraging disruptive technologies such as blockchain, AI/ML, big data, IoT, and Cloud to solve complex business problems and create value for our customers. I have successfully led and supported major projects in Operations Transformation, customer journey and process excellence, financial crime strategy and cleanup, payment model, IT, and core banking implementation. 

Experience in leading complex transformations that saved millions of dollars that can be invested into company growth, freed up hundreds of thousands of hours to be invested in revenue generation opportunities, and simplified thousands of nonvalue added processes into new product opportunities that satisfy client needs.

I have also earned multiple professional certifications in risk management, emerging technology, and project management, demonstrating my commitment to continuous learning and excellence.

taplio

The Battle

Kaia R. Parv, CFA

Kevin Clement Tjiptoprodjo

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