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 🎙️

Etika Group of Companies

 Consultant - Business Operations Analyst

Assava Dairy

Assava Dairy company is one of the leading dairy organizations in the region with 35 % of the market share in dairy products. Well known for fresh milk and different kind of yogurt. 

-Structuring the organization by recruitment and management of the industrial the industrial department, with direct reporting of 10 Supervisor and 120 persons indirectly. (Production, Quality and R & D)
-Contribute to the budget setting as per the organization’s needs.
-Controlled the production losses by implementing new SOPs.
-Establish the communication system and lead of the industrial department (Dashboards, daily meeting, KPIs, action plan).
-Implement of research and development activities (12 SKU).
-Implement of new hygiene system and team build up.
-Direct reporting to the general manager and company owner.

Production Manager

MJK Group Qatar

•	Overseeing daily planning and production activities of plant with production capacity of 120K Litre per day.
•	Worked with maintenance department to reduce downtime by 7%.
•	Recruited and trained around 25 employees in coordination with HR. 
•	Drove CIP Optimization Project resulting in cost cutting of USD 20000 in a year.
•	Implemented Ferments Optimisation Project in collaboration with R&D thereby reducing ferment usage by 17%.

Production Supervisor

Schreiber Foods

•	Responsible for daily operations, quality control, food safety of 320K Litre per day.
•	Conceptualized modifications in operating procedure which increased capacity utilization of PLC controlled Manufacturing unit by 8 %.
•	Developed working groups to analyse and improve operational performance by 6%.

Shift Coordinator II (UHT-Production)

Production Associate

Management Trainee

Intern

I am an MBA candidate focusing on Supply Chain & Operations Management at the Asia School of Business. Experienced operations professional, I have over 7 years of experience managing multi-disciplinary functions including Production and Manufacturing Management.I am a focused problem solver, constantly trying to streamline processes and generate efficiency.

Keen to employ novel methodologies to produce innovative solutions, I like to keep myself abreast of the latest industry and market trends.I am also fond of fiction novels and Mother Nature and am proficient in English, Hindi, Marathi, and Urdu.

Specialties: Production, Performance Improvement, Operational Analysis, Operational Efficiency, Operational Activities, Recruitment, Reasoning Skills, Analytical Skills, Communication Skills, Critical Thinking, Detail Oriented, Teamwork

taplio

The Battle

Monica Millares 🎙️

Syed Mufassir Mahmood

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