BigPay 

Committed to our vision, our people and our customers. Rising to the challenge everyday.

Always happy to help,
Let's grow! 💪💙💪

Chief Product Officer

Chapter 3: Path to Profitability. 

Set Product culture, structures, and product operating model that allow us to improve Product Efficiency across 5+ squads in order to transition to scale up mode and reach profitability. 

Co-Led our Embedded Finance solution with one of our superstar PMs. 

Trained and coached the Product team.

Principal, Product Ways of Working

Chapter 2: Growth at All Cost. 

Led key strategic initiatives including Payout Payments APIs, Engagement and Gamification, Ministry of Finance initiatives for financial inclusion, 

Set the Product foundations for Thailand Market Expansion.

Product Lead

Chapter 1: From Zero to One. 

Built BigPay Product from scratch to multiple Geos and Business Lines, including Payments, Analytics & Remittances, across Singapore and Malaysia reaching 1 Million downloads. 

Built a strong Product and Design team of twelve and the foundations of BigPays Product Culture and Processes across the organization.

Head of Product

Purpose Driven Fintech

I speak with Founders, CEOs, and CPOs to understand the challenges of our industry and how to better build products and FinTechs with impact across customers, colleagues and profitability

I release new episodes every Tuesday and you can listen or watch in YouTube, Spotify, Apple Podcasts or your favourite platform

Reach out to be part of the pod

Podcast Host 

PayEd - Education in Payments

Advisory Board Member

Connecting the dots in FinTech...

APAC Newsletter Contributor & News Curator

Tandem Bank

Consultant, CEO Office

Service Design Delivery Manager, CEO Office

- First member of the Banking Products team. Employee num. 18th. 
- Led credit cards design and implementation from zero to pilot launch

Product Manager, Banking Products

barclaycard

Product and Propsositions Manager Small Business Cards

Existing Customer Manager Small Business Cards

Visa

Global Client Sales Account Manager, CEMEA

Banco del Ahorro Nacional y Servicios Financieros BANSEFI

Product Development Manager

Empowering FinTech Product Leaders to navigate complexity with purpose, passion, and impactful conversations for inclusive financial well-being I Join to connect, learn, and lead the industry forward.🚀

Hello 👋 I’m a hands-on product leader with a proven track record of building and scaling digital banking solutions across multiple geographies.  I am mission driven (because money has been a pain point, and it didn’t have to be like that).

I thrive at the intersection of a fast-paced entrepreneurial culture, customer centricity, and solving real problems with actual impact.

*Results Oriented*

At BigPay, one of Southeast Asia's largest NeoBanks, I’ve helped steer our product through three critical phases: Zero to One, Growth at All Costs, and now, sustainable Path to Profitability - growing the customer base to over 1.37 million users. We are known mainly as a travel solution and increasingly becoming a day to day app. 

My expertise spans from product design, delivery and growth, team building, and driving the cultural shift and ways of working necessary to go from startup to scaleup. 

At Tandem Bank, I helped build from scratch, and worked with Tandem's CEO on strategic initiatives and Board management. 

*Achievements & Impact*

1. Product Growth & Innovation: 

Led the development of credit cards, BigPay’s prepaid card with its app, remittances, a payments API, an embedded finance solution for airasia, and engagement initiatives to meet evolving needs.

2. Strategic Planning: 

Collaborated with the CEO and ExCo to shape product strategy, aligning squads on growth, innovation goals, OKRs, and resource planning.

3. Expansion: 

Launched BigPay’s product in Malaysia, Singapore, and empowered teams to launch in Thailand. 

4. Cultural Transformation: 

Established a strong Product Operating Model, guiding BigPay’s shift from startup to scaleup.

5. Team Building: 

Recruited and mentored a high-performing product and design team, setting a scalable foundation.

*Knowledge Sharing*

I host the Purpose Driven FinTech podcast, where I interview FinTech Founders, CEOs, and leaders on how to build differentiated FinTech products that drive 10x impact. We cover customer needs, solving pain points, and leadership insights.

I’m keen to explore:
- Incorporating AI into existing workflows
- Building AI-powered products
- Staying at the forefront of AI innovations

I’m recognized as one of Singapore’s #Fintech65 Product Leaders and Women in FinTech, I’ve spoken at Money2020, and am an active mentor for women in Fintech and new to FinTech.

*Let’s Connect*
 
If you’re a leader, founder, or innovator passionate about transforming FinTech and driving real impact—I’d love to chat!

We can ideate, collaborate, podcast, mentor & coach.

Monica

Monica Millares 🎙️

Moving Walls

Strategy & Operations Manager

Johnson & Johnson

•	Implemented CRM and journey optimization and strategy, resulting in shortening sales process
•	Structured GTM strategy for new verticals by opening partnerships, resulted in 200% increase in leads
•	Coordinated Ethicon omnichannel project strategy for Ecommerce projected to generate 17M USD savings

MBA Summer Intern IRDP

DiDi

•	Developed sales growth metrics of 17 cities by leveraging on ride-hailing and food delivery analytics, resulting in national scaling for 34 cities and international expansion to Costa Rica and Colombia
•	Consolidated sales process and tools for restaurant streams synthesizing first contact strategy and lead generation process impacting by 20% Account Management efficiency
•	Led product testing focused on engagement, increasing app score from 4.4. to 4.5 (+100k downloads)

Operations Manager

•	Structured insights to help restaurants' performance in DiDi Food app by formulating restaurant success metrics, increasing by 15% restaurants' average ticket
•	Allocated monthly promotions budget of 1M USD, resulted on an average ROI of 30%
•	Executed the Restaurant's engagement strategy, generating in a 15% increase on the NPS score

Senior Business Operations Analyst

Anheuser-Busch InBev

•	Coordinated the I&CI team, whose mission was to spearhead and optimize data & information management strategies with an annual impact of 10M USD by shaping the Top 10 project priorities for the C-suite
•	Led the Insights team of four insights specialists at the Shared Services Centre for Latin America
•	Integrated and optimized Mexico and Colombia insight streams saving 1M USD in three months

Insights Coordinator

•	Executed the Best Cost Assigned logistics project leveraging on strategic alliances saving 2M USD per year
•	Restructured Small Business financial risk management process providing 11M USD cashflow impact
•	Ideated saving and optimization projects based on data and staff management reducing 7M USD in expenses

Insights Specialist

•	Selected from 6,000 applicants and chosen by senior leadership
•	Participated in a 10-month rotational program in Supply Chain, Sales and Logistics
•	Conducted research to build a multi variable credit algorithm to limit debt risk

Global Management Trainee

Carolina possesses extensive experience scaling and launching startups by connecting strategy, data, and operational execution in ambiguous and challenging environments. She is passionate about finding creative solutions to unconventional problems.

Carolina thrives in a highly dynamic work environment, by being adaptable and leveraging her technical and managerial skills. Her desire to learn more about multicultural environments led her to pursue her MBA at ASB in Southeast Asia.

taplio

The Battle

Monica Millares 🎙️

Carolina T.

Followers

Posts

Engagements

Likes

Ready to grow your LinkedIn presence?