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 🎙️

Lava Protocols Sdn Bhd

Parent Company - Nityo infotech Sdn Bhd

●  Drive growth by identifying new business opportunities, building partnerships, and leading
strategic end-to-end sales initiatives for SaaS (Primarily Salesforce) - Licenses + Services for Lava Protocols
● Skilled in problem solving, Technology, Market analysis, , C-level engagements and client relationship management, account management

Regional Business Manager

Konectr

Building the next revolution in social & relationship networking

Founder & CEO

Hitachi Vantara

- Account management and drive business via partners and direct deals for Hitachi in Victoria, Tasmania, New Zealand

Account Manager (Inside Sales) - Australia and New Zealand

Microsoft

Build relationships with C-level executives, IT directors to accelerate cloud adoption through Solution assessments, Pilot/POC (Funded programs) and strategic production workloads (Azure migrate program) & application modernization. 
•	Help strategic managed SMB/SMC customers in Azure (IaaS, PaaS), Data & AI, Modern workplace, Power Platform projects through upsell, cross sell opportunities, aligning partners and programs to drive ACR consumption. 
•	Skills - Territory planning, Prospecting, Presentations, Assessments, Partner Engagements, Proposals, ACR Consumption,   
•	Industries - Financial services, Retail, Healthcare, Professional Services.

Contractual Job with Webhelp Malaysia Sdn Bhd

Solution Sales Specialist - Australia and New Zealand

Oracle

- Build relationships and work with C-Level Executives & Technology Leaders to assist their businesses in crafting their technology road map on Infrastructure & Platform. 
- Industries - Professional services, ISV, Manufacturing, Retail, High Tech, and BFSI
- Markets handled - Singapore, India & Indonesia

Business Consultant - Cloud / License | Singapore, Malaysia & India

Business Consultant - Hardware & Engineered Systems

Edureka

- Leading & Coaching an Inside Sales team of 8+ members for US, UK, India, Australia and Singapore region
- Report to VP of Sales and CEO
- Compile sales progress reports on a weekly/monthly and end of year and proactively addressing shortfall on targets due to be achieved.
- Generate & share comprehensive and detailed reports about team performance, mission-related objectives, and deadlines and also action plans to enhance performance and productive capacity of under performing personnel.
- Manage & monitor the Customer Relationship Management ( CRM ) database of to ensure accurate and up-to-date information is available.
- Develop strategies to promote team member adherence to company regulations and performance goals. 
- Create an environment oriented to trust, open communication, creative thinking, and cohesive team effort. 
- To provide quality customer service, includes interacting with customers, answering customer inquiries, and effectively handling customer complaints. .
- Provide status report of team activities against the program plan or schedule and to keep the manager and product committee informed of task accomplishment, issues and status. 
- Assist management with hiring processes and new team member training and team managers to intensify sales via training on sales methods.

Sales Team Leader 

- End to End B2C Inside Sales handling technology education for senior IT professionals in US, UK, Australia, India and Singapore.
- Monthly Quota carrying role

Inside Sales Executive

Swastik Heavy Structures Private Limited.

- Project identification & execution, cost estimating and review of design plans, specifications, and construction inspection. 
- Lead execution & adherence to timeline, performance and quality along with 3 Sub contractors and 50+ construction workers in acquiring necessary project permits; ensuring all necessary permits have been submitted to concerned regulatory agencies.
- Establish and maintain effective working relationships with internal and external agencies and manage public relations including local and regional entities.

Skills acquired in the role :
a) Project Management 
b) Negotiation
b) Team Handling 
d) Persuasion

Project Engineer

Over 11+ years of helping businesses, organizations, individuals with their technology requirements in various areas such as CRM, MarTech, Cloud(IaaS, PaaS, SaaS) , IT Infrastructure Hardware - Storage, Servers etc. 

Currently, helping companies and government bodies in Malaysia leverage the power of Salesforce in their sales, marketing and service processes leveraging automation, integration and Artificial Intelligence (AI)

When not working, love to explore different cuisines in rich land of Malaysia or sweating it out at the gym.

taplio

The Battle

Monica Millares 🎙️

Deepak (Dev) Porwal

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