MARY RUTH ANTONIO OQUENDO

Loyola Subdivision, MarikinaCity

Cellphone: (091*-***-**-**

Personal email: ad367o@r.postjobfree.com

Business email: ad367o@r.postjobfree.com

WORK EXPERIENCE

MR ANGEL CREDIT CORP (MRACC): QLO – Quick Loans Online Vice President/General Manager of MRACC

June 2019 to present

Evolved MRACC into a fintech lending company, established it from groundwork up to product launch and deployment in the market. Responsible for meeting MRACC’s business plan and P&L targets. Directs and leads the team in achieving the company’s short and long-term goals, standardizing its processes and standards as well as improving operational efficiency. Provides day-to-day direction to the various departments; and ensures that risks are evaluated, monitored and minimized. Provides directive in setting strategic goals and making sure they are clear and measurable. Provides hands-on leadership to a lean organization and gives recommendation to the board as well top management of the mother company on directions to be taken by MRACC. Accomplishments: Was recognized and awarded as a notable Philippine Woman Leader in 2023 by CMO Asia and World Women Leadership Congress & Awards for my leadership in the organization. Pivoted MRACC into a fintech lending company and pioneered the development of the QLO lending platform based on ideal customer journey. Launched the QLO salary loan platform in December 2020. Established the Operations

(credit evaluation, customer service, and collections) as well Account Management departments of the company. Led the team in forging partnership with strategic companies and HRIS service providers. Alongside with the salary loan, I also directed the team in the managing the Business Loans portfolio; and developing new fintech product of MRACC. Currently, I am taking the lead in the development of e-wallet and purchase loan product for QLO.

IDEMIA PHILIPPINES, INC.

Country Business Director for Financial Institutions November 2018-May 2019

Was responsible for delivering the annual sales target for Philippines, through the sale of magnetic/chip/powered cards and card personalization services. Identified new opportunities for the company. Prospected new accounts, handled contract negotiation, bidding; and managed existing business relations. Was responsible for client retention and generation of additional businesses from existing accounts. Worked closely with the Collection Team to ensure that all accounts are updated in settlement. Accomplishments: Secured and closed a deal with ING Bank during my first three months in the company. The transaction was crucial since it involves the recovery of an international account, bringing in businesses to Philippines but other parts of the world. Tapped and started the negotiation with two new banks for the company.

BAHAY FINANCIAL SERVICES (BFS)

Area Head, Account Management Department

December 2009-October 2018

Managed and directed teams of account specialists in achieving the monthly and annual targets in remedial management and property sales. Directed and coached the teams in offering financial resolutions to a portfolio of highly delinquent mortgage accounts. Developed and implemented the training program for newly hired 2

Account Specialists. Oversaw sale of foreclosed properties to illegal occupants. Approved client’s proposals and ensured that processing of all settlement according to company’s policies and procedures. In addition, oversaw and managed the admin unit in charge of the timely signing of legal documents and release of TCT to clients. Signed as company’s authorized representative in various settlement and sales agreements. Accomplishments: Pioneered in the department the strategic targeting in prospecting and closing. Introduced and implemented numerous process improvements to enhance the portfolio and account management of the department. Headed the team that handled the documentation requirements of all teams, including those handled by other Area Heads. Streamlined process and implemented procedures with proper audit trail. Provided guidance and oversaw all teams and Area Heads in the implementation of AMLA requirements. Head, Credit Administration

July 2008-November 2009

Provide line management in credit underwriting evaluation, loan servicing and legal administration’s according to the policies and standards of the Company. Provided final approval on all amortized and cash settlements of default accounts, as well as sale of foreclosed properties. Performed high-level credit administrative functions to ensure the prompt servicing of accounts, proper documentation of portfolios for secondary marketing, systematic management of clients’ files. Ensured the timely release of documents and titles to clients. Accomplishments: Mainly responsible for setting up the Credit Administration Unit of the Company; from the development of its Table of Organization, formulation policies, procedure and workflow process. Eliminated backlogs. Improved turn-around-time and accuracy in the review and approval of accounts to be resolved. Ensured that the timely documentation and release of TCT to fully settled accounts. Worked closely with IT in the development and enhancement of the credit administration module. Provided after-sale services to accounts resolved via installment term.

Headed and managed the documentation team that facilitated the sale of Installment portfolio to PSBank and Security Bank (secondary market).

SUN LIFE FINANCIAL, PHILIPPINES

Manager, Alternative Distribution Channel (Integrated Marketing) January 2007 – July 2008

Responsible for tapping and developing new non-traditional distribution channels and markets for the three products of Sun Life: Life, Pre-Need and Mutual Funds. Directed and oversaw the alternative channels in meeting their sales targets for the year. Directed and supervised the salaried agents/distributors of the Company in generating business leads for the financial centers, with the end in view of converting them into actual sales. Provide assistance to brokers as well as the group insurance team in converting existing group/institutional accounts to worksite accounts. Responsibilities included development of marketing materials and sales campaigns strategies, as well as handling and supervision of special events. Accomplishments: Tapped two new bank partners, GE Money Bank and HSBC, to sell the products of Sun Life through their branches. Meet mutual fund sales targets by the third quarter of the year despite the high turn- over of employees.

Mutual Fund Product Manager (Integrated Marketing) May 2006-December 2006

Was responsible for the brand management requirement of mutual funds. Implemented marketing communication strategies to promote awareness on mutual funds and Sun Life Prosperity Funds, as well as Sun Life's expertise in wealth enhancement. Conceptualized and implemented internal and external sales promotion campaigns, as well as special events to generate mutual fund sales. Supervised, implemented and analyzed the results of market researches, surveys and focused group discussions, and provided recommendations on new growth paths to increase revenues and improve market positioning. 3

Accomplishments: Pioneered in Sun Life the use of tactical PR campaign to generate awareness and promote sale. The strategy was very effective in enhancing Sun Life’s image as an investment company and generated phenomenal sales for the Company. Through the PR campaign, SLAMC was able to hit its P3.5B annual target as early as September, despite the UITF incident in the market at that time. In November 2006, Sun Life’s mutual fund sales breached the P1 Billion level for the first time. By end of 2006, Sun Life’s mutual fund AUM grew to P11B or by 38%. This was an astonishing fete for the Company considering that it took six (6) years to reach the P8B AUM level. Within the same year, Sun Life’s Balanced Fund became a leader in its category, in terms of annual gross sales.

Head, Investor Services of Sun Life Asset Management Company, Inc. November 2003 to May 2006

Headed the team that provided post-sale services to mutual fund clients. Conceptualized, developed, implemented and rolled out new product features, shareholder privileges and new system/procedural enhancements to facilitate acceptance of new and subsequent sales in mutual funds, and thereby make the products and services of Sun Life Prosperity Funds competitive in the market. Was in charge of conceptualizing, organizing, implementing and evaluating special projects and events for the company with the objective of building strong client relationship and loyalty. Planned, coordinated, and oversaw the implementation of focus group discussions and client surveys to measure the satisfaction or needs of internal and external clients. Managed and directed five (5) staff in handling mutual fund collection, account management and administering mutual fund’s subscriptions, redemptions, fund transfers and non-financial transactions. Provided periodic product and administrative training to the agency force as well as call center, mutual fund, sales and training staffs, and newly licensed mutual fund representatives.

Accomplishments: Developed, prepared the implementing guidelines and procedure for the department. Rolled out ten (10) new product features which promoted subsequent investment sales and client loyalty: the Rights of Accumulation, Letter of Intent, Waived Clearing for current and new clients, Redemption Window Period, Fascimile transaction and Online SOA. Transformed a small internal company activity into major media event; therefore, generating media exposure, enhancing corporate image, client satisfaction and subsequent sales for the Company.

In terms of operations, improved the turn around and increased the accuracy in the processing and administration of mutual fund transactions from 90% to 99.5%. Formulated the policies for the department and standardized the procedure in handling various transactions. Worked closely with the IT on system enhancement. Head, Marketing for Mutual Fund of Sun Life Asset Management Company, Inc. March 2000 to November 2003

Was responsible for the market research, internal and external PR, advertising, sales campaigns/promos, media planning, and brand management requirements of the Company. Was in charge of promoting awareness on mutual funds, developing incentive campaign programs, and handled special company events to generate sales for the Company. Was responsible for the conceptualization and development of marketing and sales tools materials. Established reliable sources of market information. Analyzed market research results and recommended new growth paths to increase revenues and improve market positioning. Oversaw the development of the Company’s website and maintenance of its content. Accomplishments: Launched the mutual fund products of Sun Life one month after joining the Company. Conceptualized and implemented an integrated communication plan that generated increased interest from distributors and encouraged them to become active licensed mutual fund representatives. Developed sales kits which boosted the confidence of newly licensed distributors during product presentation. Pioneered the use of tactical print ads to generate awareness, queries and sales for the mutual funds. Pioneered the monthly Kapihan sessions with the agents to address issues encountered on field. Pioneered the bi-annual Prosperity Talks to further educate existing investors and generate client loyalty. Recommended the development a new sales load structure as well as a zero-load fund, which the Company implemented to retain and attract more investors. Established and developed the Sun Life Prosperity Fund website, and intranet page. Within a year in the business, Sun Life’s mutual fund business ranked second to BPI Asset Management in terms of top-of-mind awareness. 4

LAND BANK OF THE PHILIPPINES (Credit Card Administration Department) Head, Marketing and Business Development Division

September 1995 to March 2000

Was primarily responsible for building up Land Bank Visa’s cardholder base and promoting card usage. Prepared Land Bank Visa’s yearly marketing plan. Identified and tapped new markets for the business. Supervised the account officers in direct selling as well as in soliciting corporate and group accounts. Worked closely with the advertising agency on the card’s advertising and sales campaign requirements. Handled the card’s market research and survey requirements. Developed and implemented Land Bank Visa’s product enhancement and customer loyalty programs. Headed the customer service unit, which handled and entertained phone-in and walk-in clients. Was the bank’s point person of Land Bank to Equitable Card Network for all aspects of the credit card business. Acted as the Head of the Department in the absence of the AVP; wherein I managed as well the operations of our Credit Evaluation and Collection Divisions.

Accomplishments: Was responsible for setting up the division, its policies and procedure. Generated 20,000 cardholders on its initial year, which brought the Land Bank among the top five (5) affiliate cards of Equitable Card Network in 1995.Ensured the presence of Land Bank Visa’s stickers, standee and take-out counters in over 5,000 merchants in Metro Manila at no cost to the Bank. Entered into several ex-deal agreement with numerous merchants to provide value added services to the cardholders without incurring any additional cost to the Bank. Set up and established the consumer banking’s mailing directory list for its direct marketing campaign. Developed and implemented a collection campaign which successfully minimized the past due rate of LandBank.

TECHNOLOGY AND LIVELIHOOD RESOURCE CENTER (Media Communications Group) Head, Media Planning and Development Division/Advertising, Sales and Promo Manager January 1995 to September 1995

Directed, supervised, coached and assisted three (3) officers in meeting the annual sales target. Conceptualized, implemented, and evaluated promotional and sales strategies to make TLRC’s information packages, such as hands-on training seminars, video tapes, radio programs, magazines, instructional printed materials and library services, accessible to its target clients/market. Lead the team in marketing TLRC’s TV and print production services to private and government agencies, and solicitation of advertisements for TLRC’s TV programs, and two livehood magazines, Negosiyete Plus and Agrisiyete Supplement. Supervised the preparation of press releases and promotional materials such as TV plugs, print ads, streamers, flyers, brochures and posters. Conceptualized, developed, organized and implemented fora and training packages for various clients. Accomplishments: Identified new income generating opportunities for the institution. Pioneered the pre-selling of hands-on training courses and TV modules to third parties. Formed and lead the sales team to supplement the efforts of GMA7 in selling advertisement spots for TLRC programs and generated approximately 50% of the programs’ target on TV advertisements. Pioneered the selling of TLRC broadcast and printing expertise of TLRC. Developed the pricing scheme of the institution’s broadcast and print products services. Supervising Technology & Livelihood Operations Officer/Senior Line Producer and Product Manager July 1990 to December 1994

Produced episodes for TLRC’s two livelihood instructional television programs in GMA7, Negosiyete and Agrisiyete, supervised and managed a production team in developing and producing several livelihood courses for the said programs. Was responsible from end-to-end process of TV production, which included program development, scriptwriting, field documentation, up to editing of final material. In addition, developed and produced video and print training/instructional modules for TLRC’s distance study learning program. On top of being a producer, I was also appointed a Production Manager to supervise and manage other line producers in Negosiyete. Was also responsible for media planning, identifying and scheduling of topics/courses to be aired in Negosiyete for the whole year.

Acted as liaison between TLRC, GMA 7, government agencies and private institutions in the implementation of various projects and generation of revenue for the institution as well as two television shows. 5

Accomplishments: Produced the most number of episodes and courses for the two TV programs. Part of the team that the negotiated and closed a sponsorship deal with La Tondena Distiller.

ATENEO DE MANILA UNIVERSITY

Grade School Faculty

April 1988 to March 1990

Was a homeroom and classroom teacher for Grade 6. Taught Science, Social Studies and Filipino. Led the class in winning the academic contests in various subjects. EDUCATION MA Communication Candidate

Major in Broadcast Education

Ateneo de Manila University

AB Communication Arts

College of Arts and Science Scholar

Ateneo de Manila University (1988)

OTHER PROFESSIONAL/PERSONAL INFORMATION

Philippines Woman Leaders Awardee 2023, from CMO Asia and World Women Leadership Congress & Awards

A nominee and finalist for Women Influencer in Financial Service Industry (FSI) in the 2023 World Financial Innovation Series, from Trade Pass and Fintech Philippines Association

Passed the SEC’s Licensing Exam for Mutual Funds in 2004

Passed Career Service Executive Examination in 1998

Passed Civil Service Professional Examination in 1989

Married to +Norielle C. Oquendo, Partner, Poblador Bautista & Reyes Law Offices REFERENCES: To be furnished upon request

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