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 🎙️

Talent Corporation Malaysia Berhad (TalentCorp)

Fellow

Tetr College of Business

Adjunct Professor

Masters' Union

Master

Exsim Hospitality Berhad (formerly Pan Malaysia Holdings)

Board Member

The Shift Asia | Sustainability Stories

Powering Positive Change - ESG and Sustainability

Producer/Presenter

UNITAR International University

Thank you for the opportunity to serve as Adjunct Professor in Sustainability, Media & Communication

Freda Liu

Speaker & Author

BFM 89.9 - The Business Station

Hosts, Produces and Presents the Enterprise show, targetted at SMEs and managers.  Interviews done include Tony Buzan (Mindmap Guru), Isaac Tigrett (Hard Rock Cafe founder), Robert Kiyosaki (Financial Guru), Martin Cooper (Mobile Phone Inventor), Julian Assange (Wikileaks), Stephen R Covey (author), Allan Pease (Body Language Expert) and Ralph Baer (Video Games Inventor) amongst others.

Producer/Presenter - Enterprise

Asia Pacific PR and Analyst Relations Manager for Financial Service Sector.  Started out as PR Manager for IBM Malaysia.  Was Communications Manager for Global Opportunity Marketplace in Asia Pacific, IBM's current hiring tool and was involved in the implementation for Asia Pacific.

Regional PR Manager

Radio Televisyen Malaysia

Broadcast News Presenter

🎙Broadcast Journalist I Speaker I Author I Moderator I Adjunct Professor - Let's talk Sustainability, Design Thinking & Future Thinking. Borneo-Bred #revolvetoevolve 🎙

Business Communicator | Author | Media Trainer | Moderator & Emcee | Advocate for Sustainability & Women Empowerment

With over 20 years of experience as a dynamic business communicator, Freda Liu has conducted more than 5,000 interviews with prominent global leaders, visionaries, and changemakers. Her distinguished guest list includes Simon Sinek, President Alexander Stubb of Finland, Stephen Covey, Nick Vujicic, former GE CEO Jack Welch, and Wikileaks' Julian Assange, among others.

A sought-after moderator, emcee, and corporate trainer, Freda has partnered with top organizations, including Accenture and Intel, to deliver impactful sessions on personal branding, leadership, and women empowerment.

A prolific author of seven books, Freda’s contributions to journalism have earned her recognition, including the ASEAN Rice Bowl Award for Malaysia Startup Journalist of the Year.  Passionate about social enterprises and sustainability, Freda has developed video content and served as a judge for Chivas Regal’s The Venture. She actively supports World Vision Malaysia as an advocate for WASH (Clean Water & Sanitation).  She currently hosts The Shift Asia, covering stories on sustainability and ESG,

Freda is also a mentor for the Cherie Blair Foundation for Women and holds a Bachelor of Business (Marketing) from the University of Southern Queensland. She recently earned a Postgraduate Diploma in Design Thinking.

Her professional journey includes hosting Enterprise and HerVantage at BFM, Malaysia’s only business radio station, where she provided tools for business success and showcased women leaders. She now teaches business communication at international institutions, including TETR and Masters’ Union. Additionally, she hosts Life Confessions on Astro’s Syok Podcasts and serves as an Independent Non-Executive Director at Exsim Hospitality Berhad.

With recognized expertise in media training, reputation management, and storytelling, Freda continues to empower businesses, leaders, and communities with the tools to thrive in a connected world.

Public Relations, Analyst Relations, Broadcasting, Personal Branding, Women in Business

Specialties: Coaching, Media Training, MC, Moderator, Author, Speaker

If you would like to be in touch with me, please send an email to contact@fredaliu.com

taplio

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Monica Millares 🎙️

Freda Liu

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