Joy Bao

Experience

• 

  Citi

  Sept 2009 - Mar 2010

  Intern – Digital Channel of Bancassurance

  Supported system analysis and UAT for the implementation of the digital distribution channel for direct auto insurance.

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  Wüstenrot Gruppe

  Dec 2010 - Jun 2011

  Associate – System and Data Migration

  Participated in the data migration and user acceptance testing (UAT) of the "Enhanced Customer Data System”.

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  Embassy of Switzerland in the People's Republic of China

  Aug 2011 - Sept 2011

  Assistant – Industry and Market Research

  Assisted in organizing two "Investment in Switzerland" Road Shows in Wuhan and Shenzhen.

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  KPMG

  Oct 2011 - Oct 2013

  Assistant Consulting Manager – Process and Report Automation

  Extensively engaged in process optimization and report automation, responsible for stakeholder interview, and process and system mapping.

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  Durchgang Trading Pte. Ltd.

  Nov 2013 - Feb 2015

  Ecommerce Product Manager

  Successfully launched an e-commerce platform, managing a team of 5 throughout the development and advocating for its adoption.

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  DBS Bank

  Mar 2015 - Jul 2018

  Regional Product Manager

  • Implemented the open data and API solution enabling selfie as a new customer onboarding channel.Hands-on involvement of the product development, particularly customer journey design, API analysis and roll-out execution.• Developed the “Contextual Marketing Platform” applying machine learning for more targeted customer-offering.Responsible from product idealization, release to continuous collaboration with cross-selling partners.• Built the “Wealth Management Dashboard” facilitating more personalized investment advice based on customer profiles and the fulfilment of in-app purchase. Drafted the user interface (UI), mapped user flows with profile data, and oversaw the implementation.• Established the “Customer Communication Platform”. Managed the framework of trigger events and communication channels to enhance customer engagement and interaction. Show less

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  Wirecard Asia Holdings

  Jul 2018 - Dec 2020

  Senior Manager - Payment and Analytics

  • Led a team of business user representatives across 7 markets in APAC to deliver the inhouse KPI Analysis Platform, to track business performance and facilitate operational excellence: - Engaged regional and country head to define KPI metrics tracking business performance and identify key areas for improvement. - Structured dashboards and report sets across markets, ensuring alignment on the metrics throughout the company. - Collaborated closely with system owners to implement the standardized and automated revenue and cost allocation approach tailored to specific data inputs across diverse markets.• Enhanced operational and financial efficiency through analysis based on data output from the platform: - Optimized annual profit by US$3m annually. - Enhanced technical setups and operational processes. - Improved Service Level Agreements (SLA).• Drove strategy development and delivery for M&A, product transformation and price revision. • Represented Program Management Office (PMO) in the Process Management Committee, to safeguard cohesion and efficiency of processes across APAC. Show less

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  EPAM Systems

  Jan 2021 - now

  Deliverables: • Unified Data Model (UDM) to automate Financial Reporting and Analysis• Payment Analytics Platform for transactional level analysis to improve pricing strategy and profitabilityResponsibilities:• Proactively engage with business leaders, gaining insights into their profitability models, operational processes, and both strategic and technical roadmaps to develop use cases and proof of concept (POC) to address identified opportunities and challenges.• Showcase the product prototype, seeking feedback for more customer-centric build to create values.• Develop diverse program plans and pricing structures, to stay flexible and adaptable for changing business demands. Show less Deliverables:• Digital and Open Banking Products incl. P2P, B2C and B2B Payment enabling Customer 360 Insights and Embedded FinanceResponsibilities:• Collaborate closely with business users, cross-function stakeholders, and project management team to translate strategic objectives into product features and roadmap.• Lead the product development and system implementation/integration: - In charge of requirement gathering and prioritization based on key attributes of clients business and industry expertise. - Ownership of the product documentation (i.e. BRD, TRD and FRD), incl. logical and analytical framework, source files and systems, and data input and output. - Hands-on involvement with technology teams in collaborative efforts across all phases of development.• Drive the product enhancement by leveraging technological innovations where applicable, to adapt to the evolving market landscape and explore opportunities with ecosystem partners to offer more targeted products and services. Show less

  • Senior Manager - Financial Services Consulting

    May 2022 - now

  • Senior Manager - Open Banking and Payment

    Jan 2021 - May 2022