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 🎙️

SITA

Passenger Processing and Baggage Management Products

Business Development Manager

Permanent Secretariat of Intergovernmental Commission TRACECA 

Head Of Policy-making and Monitoring Division

Head of the Team of Experts

Permanent Secretariat of Intergovernmental Commission TRACECA


Expert on Integrated Border Management 

Ministry of Industry and infrustructural development

Deputy Director of the Foreign Economic Cooperation Department

Head of Transport Logistics Development Division

The Agency of Communication and Information

Head of Public Assets Division (The Department of Finance)

The Ministry of Transport and Communications of the Republic of Kazakhstan

Participation in negotiations on transport policy with foreign governments, carrying our research to improve public policy in automobile and maritime transport, interpreting public policy and drafting correspondence on behalf of the Minister, Vice-Minister and Executive Secretary for public assets

Senior Expert (The Department of Logistics and Transit Policy, Logistics Division)

Senior Expert (The Department of Finance, Budgeting and Public Assets Division)

The Ministry of Communications and Information of the Republic of Kazakhstan

Expert (The Department of Finance, Budgeting and Public Assets Division)

Control over the preservation of state assets, review of documents and preparation of final version of voting as a shareholder or member of the Board of Directors of organizations overseen by the Ministry

Expert (The Department of Internal Audit and Public Assets)

“Astek-AUTO”, LTD

Accountant

"Akarman-Madia ",LTD

Economist

"ADF", LTD

Retail Sales Manager

Business Development Manager at SITA, focused on driving growth across Central Asia, Georgia, and Azerbaijan. I specialize in passenger processing and baggage management solutions, helping airports and airlines optimize operations and enhance the traveler experience. Passionate about building strong partnerships and bringing innovative aviation technologies to the markets.

As a Head of Policy Development and Monitoring Division, I spearhead the proposal of new harmonization areas for the transport policies of the 14 member states of TRACECA. My role involves a deep dive into the complexities of international transport policy, where I have successfully drafted and developed significant documents, including a Digitalization Concept, a Concept of Container Transport, and comprehensive reviews and reports on multimodal transport, e-permit systems, and pilot projects like the digitalization of the CIM/SMGS consignment note and the transportation of goods in semi-trailers.

My professional journey is marked by a rich experience in transport policy development, international cooperation, corporate management, road transport development, and the digitalization of transport documents and data exchange. I am deeply committed to leveraging my expertise to enhance efficiency and innovation within the transport sector.

Holding a Bachelor's degree in Management and a Master's in International Public Management and Policy, complemented by a certification in Data Analysis, I possess a robust educational foundation that informs my strategic approach to policy development, implementation and analysis.

Currently, I am keenly interested in expanding my horizons into data analysis and front-end development, aiming to harness these skills. My career goal is to make a significant impact by leading initiatives that establish a seamless, efficient digital transport links both on national and international dimensions.

I am always open to connect with professionals from the transport, digital technology, and policy development sectors to explore collaborative opportunities and share insights.

Baurzhan Kussubayev

taplio

The Battle

Monica Millares 🎙️

Baurzhan Kussubayev

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