NICHOLYN CHANG

Contact details

Email: adzzzw@r.postjobfree.com; Mobile: +1-202-***-****; WhatsApp: +1-202-***-****

PROFESSIONAL EXPERIENCE

Dec 2022 - present

Apr 2019 – Nov 2022

Africa Growth

Investment, pre-screening, and advisory services to high-growth business ventures in Africa

Principal (Partnerships)

Execute investment partnerships in the following areas: fund management, due diligence, data, subject matter experts, and corporate partnerships.

HelloGold

Remote

Malaysia

FinTech startup that democratized traditional banking services for the unbanked and underserved through the offering of gold-backed micro-savings, micro-credit, and micro-insurance

Business Development Lead (2020 – 2022)

Built partnerships with digital platforms that had 10-20 million customer bases; launched as the first financial app in a top telecommunications e-wallet and developed commercial engagements with e-wallets in other sectors (ecommerce, budget airlines, and payment operators).

Directed cross-functional delivery among in-house product, engineering, operations, and marketing teams to execute on partnership strategies.

Curated innovative digital financial products with product partners to fit customers’ needs.

Independent Consultant (2019)

Created the framework for a Financial Inclusion Digital Bank; also designed digital, bespoke savings and investment products for women, youth, and aspiring first-time homeowners.

Developed a digital micro-money market fund investment product.

Sep 2017 –

Feb 2019

CIMB Group Holdings Berhad

Malaysia

Leading ASEAN universal bank with 37,000 staff in 15 countries serving 13.5 million customers

Director, CIMB FinTech

Responsible for strategy and execution of Fintech solutions that would exponentially grow the Commercial banking’s SME business.

Led the early design phase of the Commercial Banking’s regional SME digital lending proposition – this involved managing stakeholders across different business units and support functions.

Developed an SME digital strategic roadmap that involved an ecosystem encompassing the entire value chain of SMEs’ business needs to grow their relationship with the bank.

Initiated exploration of the development of a machine learning-based modular credit scoring model to capture greater market share for CIMB’s regional SME business – this led to the bank’s first two Innovation Lab experiments and digital solutions adopted by the Risk Operations and Commercial Banking business units:

i) automated machine learning predictive analytics on non-performing SME loans, credit underwriting, loan portfolio management and ii) machine learning-based real time business cash flow advisory for SMEs.

Managed several rounds of customer engagement surveys for the localization of the business cash flow advisory for SMEs solution.

Edited and created content for CIMB FinTech’s first (thought leadership) newsletter for bank-wide distribution.

Feb 2016 –

Feb 2017

Maha Agriculture Microfinance, Public Co. Ltd. (Myanma Awba Group)

Myanmar

For-profit startup microfinance leveraging business model and technological innovation to provide individual inclusive financing to farmers, rural market vendors, and small urban retailers

NB: Maha was a recipient of an International Finance Corporation’s (World Bank) US$7.5M investment for its business expansion.

Chief Innovation and Risk Officer

Responsible for developing governing structures and new products for the microfinance that met the International Finance Corporation’s standards.

Corporate Leadership

Identified and managed gaps in Maha’s corporate governance, risk management, and operational efficiencies by directing the rest of Maha’s senior leadership and initiating financial institution best practices.

Directed credit committees; created and trained staff on credit and loan portfolio analyses.

Evaluated financial service software vendors for selection to deliver Maha’s credit operations.

Led creation of operational training materials and training of trainers.

Investment Compliance

Developed Maha’s credit, finance and treasury, operational, and information technology risk management policies, processes, and procedures as well as internal audit frameworks.

Product Development and Operational Management

Designed, piloted, and refined a dynamic, data-driven (credit scoring) vendor loan program that met the individual business financing needs of micro business owners; included savings and regular loan monitoring.

Managed and drove the pilot operations for the new vendor loan portfolio at US$200,000, distributed to 243 clients (99% women) in 7 townships across rural Myanmar (Nonperforming Loan: 0%).

Established a new business partnership to diversify vendor loan clientele mix through counterparty’s urban retail distribution channels.

Sep 2009 – Dec 2014,

Booz Allen Hamilton, Inc.

United States

Leading provider of management and technology consulting services to the U.S. government

Jan 2004 – Aug 2007

Senior Consultant (2011-2014), Consultant (2004-2011)

Responsible for supporting, then leading U.S. government-client projects within the company

30+ projects for the Department of Defense, Department of Energy, General Services Administration

Team Leadership

Directed a team of four on the production of oversight reports for government clients who oversaw the downsizing of 500 military installations; co-headed the report work schedule and annual budgets of US$175,000 – US$189,000. The report was used at a U.S. Congressional hearing.

Spearheaded team of five to author, design, and produce training materials for nationwide use by government real estate specialists; co-led work budgets of US$200,000 – US$240,000 – was personally involved in the content creation of the manuals.

Project Management

Managed a portfolio of seven 20+MW renewable energy project opportunities worth up to US$171 million based on integrated advice from subject matter experts; selected two best opportunities that met client’s goals.

Drove strategy and outreach support for firm’s senior leadership on a company-wide Sustainability Program Management Office (PMO) initiative.

Co-coordinated a U.S. Presidential ceremony recognizing five outstanding military installations with invitees including the U.S. President, members of U.S. Congress, and foreign diplomatic missions.

Client Relationship Management

Managed direct customer interface with long-standing client, resulting in client exercising every annual optional project extension for maximum length of contract (worth US$910,000 over 5 years).

Provided highly-tailored client support for a nationwide training program, resulting in client seeking additional services worth US$120,000.

EDUCATION

Jan – Dec 2015

INSEAD

Master of Business Administration

Singapore

Forté Foundation Fellowship

GMAT: 720 (sole attempt)

Sep 2007 –

Jun 2009

University of California, San Diego

Master of Pacific International Affairs (International Economics, International Development)

United States

Full tuition scholarship and living stipend; Ryoichi Sasakawa Young Leaders Fellowship

Aug 1999 –

May 2003

Ohio Wesleyan University

Bachelor of Arts (Honors: International Studies; minor: Biology)

United States

Full tuition scholarship

Study abroad: Central Europe (Czech Republic-based)

LANGUAGES

English (Native), Bahasa Melayu (Business), French (Basic)

OTHER EXPERIENCE

Jul – Aug 2015

BoP (Base of Pyramid) HUB, Summer Intern

Non-profit organization that designs business to end poverty

Singapore

Jul – Aug 2008

Developed and co-wrote a startup business plan for a BoP HUB-incubated social enterprise, 45Rice, alleviating hidden hunger among South Asian migrant workers in Singapore.

Bishop Asili Health Center, Summer Intern Uganda

Health center serving 600,000 people in 48 rural villages

Developed a three-year monitoring and evaluation plan; created a financial budget to analyze impact of the distribution of 3,500 long-lasting insecticidal mosquito nets worth US$10,000 in 11 rural communities.

Supervised, trained, and monitored a four-person team to ensure systematic execution and accuracy of data collection for household surveys.

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