This page brings together my product management and product-adjacent experience across more than 20 years
of building and delivering software, payment and financial systems. It provides a clear, chronological view of how my hands-on technical, business analysis
and delivery experience has evolved
into broader product leadership responsibilities over the years.
This page sits within iaci’s Building axis: it shows how ideas, real-world constraints, and successive decisions translate into products delivered over time.
My approach to product and project management is deliberately pragmatic: methods and frameworks serve the problem at hand, not the other way around.
I approach product and project management as a continuous decision-making discipline rather than a fixed methodology. My focus is on understanding the problem space, the constraints (technical, regulatory, organisational), and the people involved, then applying the right level of structure to move work forward.
Depending on context, this may involve Agile, Lean, Scrum, or hybrid models — but always in service of clarity, delivery, and learning. I typically operate close to the work, owning problem framing, stakeholder alignment, and execution flow from discovery through post-launch.
Aug 2025 – Nov 2025: Professional Website Development Project
Duration: Ad-hoc hours - this is an evergreen space
Role: Technical Product Builder
Team Size: One-man show
Product Focus: A multi-layer digital product that blends storytelling, UX craftsmanship, technical execution, and Agile delivery — illustrating how a modern product leader
designs, builds, iterates, and maintains a full ecosystem from concept to deployment.
Brief:
This project is the end-to-end design and development of a fully bilingual, modular digital product that serves as my professional presence, product portfolio,
and experimentation platform.
It combines product strategy, UX design, frontend engineering, backend integration, and Agile delivery to demonstrate how I approach building, scaling,
and iterating modern digital experiences.
The website is structured as a real-world product ecosystem: reusable components, dynamic content injection, translation workflows,
a SQL-powered quote engine, design system governance,
and continuous enhancements delivered through Sprints. It represents not just a portfolio, but an evolving product with its own roadmap, backlog,
and release cadence.
Key Outcomes:
Apr 2025 – Present : Home Asset & Maintenance Management Prototype
Duration: Ad-hoc hours - this is an exploration project built from real-world pain points and based on bandwidth
Role: Technical Product Builder
Team Size: One-man show
Product Focus:
Exploration of digital solutions to support long-term asset ownership by preserving maintenance context, decision rationale, and historical learning —
enabling property owners to manage assets, maintenance activities, and supporting documentation with continuity and clarity over time.
Brief:
As part of a self-driven innovation initiative, I designed and prototyped a system aimed at addressing a recurring but under-served problem:
the loss of context and reasoning in long-term asset ownership. Rather than focusing solely on task tracking or document storage, the work explored
how maintenance could be modeled as a continuous system — capturing preparation, execution, issues, resolutions, and preventive knowledge.
The project involved deep problem framing grounded in real-world constraints,
defining clear scope boundaries, mapping core workflows, and building a functional prototype to validate feasibility, usability, and long-term value.
Key Outcomes:
Apr 2025 - Present: Home Care & Chronic Condition Support Prototype
Duration: Ad-hoc hours - this is an exploration project built from real-world pain points and based on bandwidth
Role: Technical Product Builder
Team Size: One-man show
Product Focus: Exploration of digital tools to help families coordinate home-based care, manage chronic conditions, track medications, and support remote decision-making during critical health situations.
Brief: This project was inspired by the challenges faced when providing home-based care for an elderly family member with a complex medical condition. Accessing reliable information, tracking medication adherence, organising care tasks, and finding the right support resources proved difficult and time-consuming. The initiative aimed to research these gaps and design a prototype demonstrating how a digital solution could assist caregivers in managing essential care tasks more confidently.
Key Outcomes:
Jan 2025 – Mar 2025: Relocation & Transitional Period
Duration: 3 months
Brief: Completed an international relocation from Singapore to Mauritius to address an important family matter requiring on-site support.
This period included settling into a new environment, rebuilding local networks, and preparing for the next stage of my professional journey.
May 2024 – Dec 2024: Value-Added Services (VAS) Product Initiatives
Duration: 7 months
Role: Senior Product Manager, Visa Inc (Singapore)
Collaboration Type: Individual Contributor – APAC
Product Focus: Strengthening Visa’s Value-Added Services portfolio by enhancing existing capabilities, shaping new product concepts,
and aligning API-driven services to meet issuer needs across the APAC region.
Brief: This role spanned three core product responsibilities:
1. Product Ownership for Visa Transaction Controls (VTC)
2. Product Management for Visa Flexible Credentials (VFC)
3. Digital Services lead for Visa Developer Center (VDC) API-based digital offerings
Across VTC and VFC, responsibilities included analysing issuer requirements, assessing enhancement feasibility,
and improving understanding of the technical and operational mechanics of both products to support APAC markets.
In parallel, I led a deep exploration of Visa Developer Center APIs to identify opportunities for bundling multiple services
into new product concepts. This involved evaluating API capabilities,
running iterative conceptualisation cycles, and refining potential bundles that could deliver differentiated value to issuers and partners.
Dec 2022 – May 2024: Payment Tokenization & Digital Wallet Implementation Projects
Duration: 1 year 5 months
Role: Solutions Manager, Visa Inc (Singapore)
Collaboration Type: Individual Contributor – APAC
Product Focus: Delivery of digital wallet solutions and network tokenization capabilities for issuers across APAC,
covering Apple Pay, Samsung Pay, Google Pay, and issuer-built HCE wallets.
Brief: Led end-to-end solution design and delivery for multiple issuer digital wallet integrations across APAC,
involving manual provisioning, push provisioning (direct API and VDE SDK), wallet extensions, and banking-app authentication flows.
Projects also included network tokenization for e-commerce and card-on-file (COF) use cases, as well as full issuer-wallet (HCE) implementations.
Managed a portfolio of 3 to 15 concurrent projects of varying complexity, requiring deep understanding of wallet provider requirements,
API specifications, tokenization frameworks, device security, authentication models, and issuer system capabilities. Acted as the key technical and
functional liaison between Visa, issuers, and third-party providers to ensure solution feasibility, compliance alignment, and successful go-live delivery.
Sept 2013 – Nov 2022: Payment Products Certification & Quality Engineering
Duration: 9 years 2 months
Role: Staff Software Test Engineer, Visa Inc (Singapore)
Collaboration Type: Individual Contributor – CEMEA (Central Europe, Middle East & Africa)
Product Focus: Certification, validation, and quality assurance of payment products and services used by issuers,
acquirers, processors, and fintechs across the CEMEA region.
Brief: Managed a high-volume portfolio of 20–40 concurrent certification and validation projects monthly
supporting financial institutions launching new cards, payment services, and digital wallet capabilities.
Work spanned EMV chip card validation, issuer and acquirer host certifications, digital wallet certifications, BASEII connectivity
and file validation, CyberSource transaction file processing, and release testing for core business enhancements.
In addition to certification delivery, contributed to internal engineering initiatives including the development of transaction
monitoring tools, self-service testing web applications, and enhancements to automated testing frameworks to increase efficiency and
reduce manual effort. Operated in a bilingual environment and coordinated closely with cross-functional engineering, product, and
client teams across multiple time zones to ensure compliance, readiness, and successful market launches.
Apr 2012 – Sept 2013: Internet Banking Enhancements & Feature Delivery
Duration: 1 year 4 months
Role: Senior IT Business Analyst, DBS Bank (Singapore)
Collaboration Type: Individual Contributor – Internet Banking Platform (Taiwan)
Product Focus: Enhancing the bank’s internet banking platform to meet evolving customer expectations during a period
of rapid digital adoption across Asia.
Brief: Served as the primary bridge between business stakeholders in Taiwan, the regional development team in Singapore,
and project/test management teams. Responsibilities spanned the full software development lifecycle (excluding programming),
including requirements gathering, functional specification development, test plan and test case review, and defect prioritisation.
Ensured alignment between business needs, technical feasibility, and timely delivery of internet banking features for the Taiwan market.
Oct 2011 – Apr 2012: CACS Collections & Debt Recovery System
Duration: 6 months
Role: IT Business Analyst, Citibank (Singapore)
Collaboration Type: Regional – Asia Pacific & CEMEA
Product Focus: Implementation and enhancement of the CACS solution (CGI), used for managing collections and
debt-recovery workflows across the bank’s credit facilities.
Brief: Acted as the liaison between country stakeholders, the vendor, and internal teams to ensure the deployed
CACS system aligned with operational, regulatory, and business requirements. Responsibilities included gathering and
refining user requirements, maintaining a feature enhancement and customization backlog, preparing effort estimates with vendors,
and planning phased delivery for multiple markets. Supported regional coordination to adapt the solution effectively across diverse
APAC and CEMEA environments.
Apr 2010 – Sept 2011: Credit Bureau Management System (CBMS)
Duration: 1 year 5 months
Role: Business Analyst, D&B (South East Asia, Middle East and Africa)
Collaboration Type: Regional – South East Asia, Middle East & Africa
Product Focus: Design, customisation, and deployment of Credit Bureau Management Systems supporting national credit bureaus and
Central Bank regulatory frameworks across emerging markets.
Brief: Contributed to the end-to-end development and rollout of national credit bureau platforms, collaborating closely
with Central Banks, financial institutions, and multi-industry data providers. Responsibilities included preparing RFP responses,
supporting pre-sales engagements, conducting bilingual (English/French) interpretation, gathering and refining user requirements,
and customising in-house ETL tools and CBMS modules to process high-volume, multi-source data from banks, telcos, insurance companies,
and other regulated entities.
Key Outcomes:
Sept 2009 – Mar 2010: .NET Performance Management System
Duration: 7 months
Role: IT Business Analyst, Crédit Agricole (Singapore)
Team Size: 5 (.NET engineering team)
Product Focus: Building a 0→1 internal Performance Management System to streamline appraisal workflows and support global adoption
across the bank.
Brief: Served as the bridge between users and the .NET development team in delivering a fully functional MVP through iterative Agile
cycles. Responsibilities included gathering and refining user requirements, translating them into clear feature specifications, prioritising
the product backlog, collaborating closely with front-end and back-end engineers, and validating features as they were delivered. Conducted
daily stand-ups and iteration reviews to ensure alignment and continuous progress.
The MVP was successfully launched after multiple improvement cycles, earning strong stakeholder approval from France-based clients.
The system was subsequently released for global use within the bank.
Aug 2005 – Sept 2009: HR Systems Implementation & Process Re-Engineering
Duration: 4 years 1 month
Role Progression: Level 1 HRMS Support → Training Analyst → Project Manager (Process Re-Engineering), Citibank (Singapore)
Collaboration Type: Regional – Asia Pacific (APAC)
Product Focus: Deployment, optimisation, and re-engineering of core HR systems including PeopleSoft HRMS, Recruitment Management,
Non-Employee Management, Learning Management, and Performance Management platforms.
Brief: Supported APAC-wide HR digital transformation initiatives during a period of major process modernisation and
operational streamlining. Gained hands-on expertise across multiple HR systems, delivering training, supporting country rollouts,
and eventually leading end-to-end process re-engineering projects aimed at reducing operational debt and improving efficiency.
Managed 2–3 concurrent country-level projects with durations ranging from 6 months to 1.5 years, collaborating with HR leaders,
technical teams, and regional stakeholders to digitise and overhaul HR workflows from onboarding to learning, talent management,
and performance cycles.
May 2005 – Jun 2005: Online Tuition Platform (South Korea)
Duration: 2 months
Role: Programmer, INET (Singapore)
Team Size: 6
Product Focus: Enhancing and maintaining a large-scale online tuition platform serving primary and secondary students,
freelance teachers, and parents across South Korea. The platform supported scheduling, course management, learning content, and
teacher–student interactions.
Brief: Contributed to feature development, customisation, and bug fixes on a sophisticated multi-user education platform built
with PHP, MySQL, HTML, CSS, and JavaScript. Worked closely with a small development team to deliver enhancements, improve usability,
and support ongoing maintenance for a high-traffic, production-ready system.
Jun 2004 – Feb 2005: Website Development & Online Shopping Cart Projects
Duration: 9 months
Role: IT Executive, GNU (Singapore)
Team Size: 7
Product Focus: Delivery of digital solutions for SMEs in Singapore, including ERP modules (VBA-based),
eCommerce shopping cart platforms, and 0→1 corporate websites. Supported F&B clients through promotional content creation
and online branding initiatives.
Brief: Operated in a dual-facing role bridging customers and the technical team within a family-run startup during a
period of rapid SME digitalisation. Responsibilities included gathering client requirements, contributing to website and eCommerce
feature development using custom enterprise applications, assisting with ERP system enhancements, and supporting end-to-end delivery
of digital products tailored to small business needs.
Dec 2003 – Jun 2004: Insurance Management System
Duration: 7 months
Role: Technical Product Builder, AIA SP-Terene Seow Agency (Singapore)
Team Size: One-person delivery
Product Focus: Developing a unified web application to replace fragmented, spreadsheet-based processes used for
managing insurance policies across multiple product lines.
Brief: Completed insurance product training and certification to gain domain-specific understanding, then designed
and built a 0→1 Insurance Management System from scratch using PHP, MySQL, HTML, CSS, and JavaScript. The solution digitised manual
policy tracking workflows, improved data accuracy, and enabled Financial Services Consultants to manage customer portfolios more efficiently.
Delivered the full product package including user training, user manual creation, and post-launch support, ensuring seamless
adoption and operational continuity.
2002: Event Management System (Church Group Project)
Duration: 3 months
Role: Technical Product Builder (Singapore)
Team Size: One-person delivery
Product Focus: Creating a digital platform to streamline event registration, payment processing,
access to learning materials, and distribution of event-related resources for a church community.
Brief: Designed and built a 0→1 web-based Event Management System using PHP, MySQL, HTML, CSS, and JavaScript.
The platform enabled participants—primarily university students and young professionals—to register for events,
retrieve programme information, and access event materials in a structured, centralised way. The system replaced manual
coordination processes and improved communication and operational efficiency for the organisers.
2002: Library Management System (University Final-Year Project)
Duration: 6 months
Role: Front-End Developer (Singapore)
Team Size: 5 (University project team)
Product Focus: Designing and delivering a fully functional Library Management System as part of the
university’s capstone programme, intended to emulate real-world enterprise software development.
Brief: Collaborated in a team of five to build a complete Java/J2EE-based system using Java Servlets and JSP.
Responsibilities included contributing to front-end development, drafting technical documentation, defining the software
architecture, designing the database schema, and presenting the end-to-end solution. The project followed a structured SDLC
approach—from requirements interpretation to design, development, testing, and delivery. The final system was successfully completed
and approved by the university.
2001: Club Membership System (University Internship Programme)
Duration: 6 months
Role: Front-End & Back-End Developer • Business Analyst • Tester (Singapore)
Team Size: 3 (2 Developers + 1 Project Manager/Founder)
Product Focus: Developing a web-based Club Membership System for a startup specialising
in bespoke PHP/MySQL websites for clients across various industries.
Brief: Worked closely with the Project Manager (Founder) to gather and interpret client requirements, translate
them into functional features, and implement both front-end and back-end components using PHP, MySQL, HTML, and CSS.
End-to-end responsibilities included development, feature testing, and delivery of a fully functioning system.
This project provided early exposure to real-world product delivery workflows within a startup environment.