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 🎙️

The Reward Collection

The Reward Collection are the world's largest provider of Card-Linked and Open Banking offers, reaching over half a million consumers globally. We work with the world's top Loyalty Publishers and through that network, merchant brands can reach millions of customers.

Head of Growth

Enigmatic Smile

Our technology, Single.id, runs behind the loyalty programs of high trust institutions such as banks, media, telco, airline, superapps to gratify their users in a frictionless manner with merchant offers.

Users get gratified with guaranteed merchant rewards instantly in a frictionless manner.

Merchants grow their reach and revenue by getting promoted to millions of users.

Institutions grow their platform adoption by promoting merchant funded offers to their user base.

After the robust success achieved in markets like UK, US, Single.id is launched in India. Our first partnership is with leading media house, NDTV, powering their rewards app NDTV Big Bonus - India's first card linked offers app and we are working on to launch reward program of more banks, fintech institutions in India.

Having Dhoni as our brand ambassador to represent us in India, we are powering the fastest rewards experience where now every bank card user can get rewarded from top brands in a seamless manner.

proSapient

Advisory Council Member

Lynk

Third Bridge Group Limited

MysteryQR

Current trying times has challenged companies all across the globe to rewrite their forecasts, rethink their budgets, and shift their mode of operations almost overnight. Contactless marketing is the need of the hour as Covid-19 has taken the world by storm and QR codes are coming to the rescue.

MysteryQR is rising to the occasion by building contactless marketing tools using QR, AR, and AI functionalities for the SMEs to prepare the campaigns, amplify on multiple channels, and engage with the customers.

Founder

Insider.

Sit on the board of Insider as Strategic Advisor
Product Strategy | Go-To-Market Strategy | Insider Ambassador

Strategic Advisor to Insider

Pulse iD

Chief Growth Officer

Pulse is a web3 loyalty ecosystem that drives adoption of crypto / card linked payments with merchants & users. We work with merchants that offer cashback promotions for crypto, card, QR payments. Financial Institutions embed these offers to drive adoption of their platforms.

Merchants fund these cashback offers for Pulse to distribute them across a network of Financial Institutions in a hyper local, hyper personalized manner.

For reference, Visa has adopted our platform to issue merchant funded offers to Visa cardholders via issuers.

VP of Growth

Country Manager

Razer Inc.

-	Relaunch of Razer Pay v2 in 25 days after joining.
-	Grabbed the title of official e-wallet for “Malaysia Tech Week” (an event organized by MDEC and BNM).
-	Credited to get a sponsorship of Proton Iriz car from Proton within 2 weeks to promote “Malaysia Tech Week”.
-	Launched a revolutionary functionality “Mystery QR” that resulted in the acquisition of 125K users within 1 week.
-	Launched multiple product features to optimize marketing cost from 50% to 7% within 6 months of time.
-	Piloted closures of key brands such as KFC, Ayamas, Watsons, KK Mart, Burger King, Agoda, and more.
-	Curate proposals and ideas to drive more value for partners by driving sponsorship from Razer’s ecosystem.
-	At present, playing an instrumental role for the Razer prepaid card launch in partnership with Visa.

Regional Marketing Director & Malaysia Country Head for Razer Pay

Marketing Director

Loyalty | Rewards | Fintech | E-wallet | E-commerce | Ex-Razer, Fave, Groupon

Experience
•	11+ years of Growth Marketer 
•	10+ years of Leadership 
•	9+ years of CRM 
•	8+ years of Entrepreneurship 
•	7+ years of Deals & Discounts Business Models
•	6+ years of Business Development & Partnerships
•	5+ years of Loyalty Programs
•	4+ years of P&L Management
•	3+ years of Fintech & Payment Platform
•	2+ years of E-Wallet Business Growth & Marketing
• 1+ year of SaaS platform

I work with the intent to create “Brand Nikhil”. I grow revenue and reach for tech platforms that includes e-commerce, payments, loyalty, e-wallet. In the last 10+ years, I have worked in UK, India, Singapore and Malaysia for global & regional O2O platforms such as Groupon, Fave, and Razer Fintech to grow offline categories & evolve online products. 

As a leader, I formulate business strategy, execute them with the cross-functional leaders or ground level teams, coach people to build efficient teams, take data driven decisions, curate needle mover partnerships, own & manage P&L, communicate data backed information & reports with the stakeholders including C-suite.

I invest in domain names. I own expatshift.com, mysteryqr.com, mysteryscan.com, nikaashi.com

Skills: Leadership, Team Building & Training, Business Planning, Data Analysis, Decision Making, Networking, Process Development, Knowledge Sharing, Lead Generation & Sourcing, Market Research, Sales, Project Planning, Merchandising, Promotion & Sales Strategy, Business Development, People Management, Advisory, Product Growth.

taplio

The Battle

Monica Millares 🎙️

Nikhil Khandelwal

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