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 🎙️

9roads

Part of a high-performance 3-person product team with 10+ years of experience building cutting-edge digital solutions. We specialize in rapidly developing products from scratch, turning ideas into successful, user-centric applications.

Our journey includes successful ventures like Welder - a high-quality remote recording service, and impactful projects such as:
• First AI video editor for VEED.io
• Live streaming service for VEED.io
• Intelligent lead-generation tools for social platforms using a mix of the latest AI technologies

Expertise:
• Full-stack development
• Eye-catching, intuitive UI/UX design
• Rapid MVP creation and iteration
• Leveraging emerging technologies to solve real-world problems

Currently offering our founding team's expertise to help businesses transform concepts into market-ready products.

Co-Founder

VEED.IO

After getting acquired our team started integrating Welder into VEED as a way to record high-quality podcasts.

After a year moved to build the AI-powered video editing tool Magic Cut as a simple yet powerful way to do a rough cut in a single click.

Senior Product Manager

Welder (acquired by VEED.io)

Bootstrapped a high-quality remote recording software for podcasters to 6-figure ARR. Later acquired be VEED.io

Co-founder

Twisto

Twisto is one of the largest fintech in the CEE region. Providing a variety of simple-to-use financial services.

As a Product Manager of the growth team, we explored completely new products & and concepts that would allow Twisto to grow faster. Many of our MVPs ended up in production. Steering the company towards even more growth and revenue. And now are one of the main new focuses.

Sponseasy

Sponseasy is the easiest way to create a professional online sponsorship proposal in minutes
& manage your entire sponsorship life cycle with ease.

I was in charge of leading the development team as well as product design of real-time website builder that is easy to use for users who want to quickly build an outstanding sponsorship proposal.

Senior Product Manager & Designer

Leons.cz

Our 7 person team built a break-even e-commerce business in less than 3 months. A custom-built e-commerce platform and extensive online marketing efforts combined with strong customer focus proved to be effective. So far we have helped more than 11,000 women to walk healthier and look good at the same time and become the leading online seller of medical footwear in the Czech Republic.

CEO & Co-founder

Made By Source

Without much experience we got an amazing opportunity to take over leadership and execution in a company with more than 150.000 customers but falling revenues. We have built several new plugins for Photoshop and Sketch (mainly SocialKit Pro and Fontea) which helped tens of thousands of designers with they workflow and generated income that exceeded our expectations. 

The company got subsequently acquired by Avocode.

taplio

The Battle

Monica Millares 🎙️

Johan Cutych

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