CPO of BNPL (AhaPay)
Achievements
- Scaled BNPL platform and grew the business. Grew the customer base by ~90% on average and achieved a 300 % peak increase by launching an API that enabled key accounts to integrate the platform. Delivered a $2 M monthly turnover through competitive BNPL features tailored to Malaysian consumers.
- Boosted monetization through cross‑sell. Developed a cross‑sell mechanism connecting BNPL users with loan products, resulting in a 240 % increase in customer monetization.
- Contributed to optimize risk and retention. Achieved an 85 % loan approval rate by deploying advanced scoring models and lifted customer retention to 18 % through continuous user‑centric improvements.
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Built and led a high‑performing team. Managed 23 product & engineering professionals, doubled the team’s time‑to‑market and improved product quality while maintaining 97 % team satisfaction across three consecutive quarters.
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Introduced AI‑driven prototyping. Implemented an AI‑powered prototyping process that reduced alignment time five‑fold and cut time‑to‑ready‑for‑development by three‑fold, improving stakeholder understanding and delivery cadence.
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Captured market share and ensured profitability. Gained 8 % market share as a BNPL provider in Malaysia and reached break‑even by December 2025.
Key responsibilities
- Market research
- Product vision and strategy
- Building product and engineering team
- People management
- Leading cross-functional activities
- Managing product discovery team
- Managing product delivery teams
- Building a sustainable team to deliver the cross-platform experience of BNPL
- Leading UX across BNPL product line
- Optimizing agile product development processes
- Contributing towards building a Neobank