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 🎙️

CRM SaaS unicorn in the US

Product Lead - Healthcare

Bank Mega, one of the top banks in Southeast Asia

AVP Product - Digital Banking

-> Built new product solutions impacting the lives of millions of car buyers, cars-dealers & ops employees in UAE, Indonesia, India, Poland & LatAm.
-> Completed AI Product management training (available for very select ppl) and also got the opportunity to apply AI / ML models in prod (lead scoring, recommendation engine, anti-fraud etc.)

Head of Product - OLX Autos

Senior Product Manager - Frontier Car Group

Gojek

Senior Product Manager

Daraz

-> Co-founded Daraz.lk, horizontal ecommerce marketplace in Sri Lanka, funded by Rocket Internet; got acquired by Alibaba

Co-founder

Bain & Company

-> Worked on a diverse set of business problems (growth strategies, cost optimisation, R&D strategies) and advised CXOs in Telecom, Semiconductor and IT sectors on high impact decisions
-> Top 10% rated in performance reviews

Management Consultant

-> References: Below on this page, a few of my previous managers and colleagues have shared feedback on working with me 

-> Quick Background: I started my career with Bain & Company (mostly Tech & Telecom clients), founded an e-commerce start-up with Rocket Internet in Sri Lanka (exit to Alibaba), and helped e-commerce companies like OLX & Gojek as a product manager. Currently building Healthtech products, reach out for more info.

-> North Star: "I want to build products that users love" through 1/ innovation, 2/ creating a major impact on users' lives (delta utility * number of users) and 3/ learning with amazing colleagues.

-> Geographies (worked/grew up in): Singapore, US, Indonesia, UAE, Sri Lanka, India, Germany, Israel, Iran, Nepal, Philippines

-> Vertical experience: Healthcare SaaS, Marketplaces (focus on Cars, ePharma, electronics, Fashion & GM), Fintech (B2C banking, unsecured lending, retail payments & invoice financing), Blockchain (crypto exchange), Telco & ITeS (worked with Telecom & IT services firms at Bain)

taplio

The Battle

Monica Millares 🎙️

Kashish M.

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