Justin Mah
Kuala Lumpur,14
Summary
Product Lead with nearly a decade of Fintech experience transforming digital banking across APAC. Built and launched Business Banking vertical while leading 3 Personal Banking product portfolios at Malaysia's leading Islamic digital bank. Excellent at translating market opportunities into products through data-driven strategy, cross-functional leadership, and deep understanding of regulatory requirements. Proven track record managing teams and delivering both 0-to-1 products and scaled innovations.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Product Lead
Aeon Digital Bank
05.2025 - Current
- Leading the Banking tribe - spearheading Business Banking Cash Management & Onboarding, while managing a high-performing team across Savings, Onboarding and Financing for both Business & Retail Banking
- Product strategy & roadmap - Conceptualized a next-generation business bank, identify gaps and drive product differentiation to serve the unique needs of Aeon's Ecosystem and over 1 million SMEs
- Driving end-to-end development of Business Banking Cash Management product including 3 platforms (Web/Mobile App/Admin Portal) - from concept to launch
- Collaborate with senior management to align product initiatives with overall business objectives and organizational goals
- Work cross-functionally with Engineering, Product Design, Business, Risk & Compliance, and Customer Support to ensure successful product development
- Prioritize features and lead sprint ceremonies with engineering teams to implement product improvements based on market feedback
Senior Product Owner
Aeon Digital Bank
04.2023 - 05.2025
- Conceptualized and built a groundbreaking Business Banking Cash Management product from scratch
- Leading multiple pods on both Business & Retail Banking - Core Banking, Savings and Financing.
- Cross-functional teams of 15+ members across Product, Engineering, Design, Compliance, and Operations to deliver Business Banking platform, coordinating stakeholder priorities and maintaining alignment through agile delivery cycles to achieve on-time launch
Senior Product Owner
BigPay
07.2022 - 04.2023
- International Transfers (Remittance) - Led partner integration, launched 48 corridors and slashed sending cost 50% by negotiating fees, creating $300m GTV and $2.5m USD in Revenue
- International Card Spend - Testing price elasticity to improve unit economics 50% and drove product marketing strategies, increasing 47% GTV, revenue 50% in 2022
- Cross-Border QR - Led product expansion into ASEAN QR payments, expected to generate $25m GTV and $250k revenue in first year
- BigPay SME - Outlining B2B market opportunity, defining product strategy and driving GTM plan to launch MVP
- Steering a team of 2 PMs through agile sprints and continuous delivery, fostering strong partnerships with product design and engineers to drive consistency and unity
Senior Remittance Lead
BigPay
09.2021 - 07.2022
- Led partner evaluations, cutting sending cost significantly and improving transfer speeds to near instant
- Steered dynamic pricing strategies resulting in YOY GTV growth of 35%, revenue 70%
- Worked with leadership to present key indicators of product growth and adoption, leading to a series A close of $100 Million
Remittance Lead
BigPay
02.2020 - 08.2021
- Shipped 6 additional APAC corridors, opening $5B TAM opportunity
- Drove 30% growth in Malaysia through guerilla marketing strategies
- Outlined >$10B opportunity in Singapore and launched in Sep 2020 with focus of SG-MY corridor
Head of Corporate Sales
MoneyMatch
05.2018 - 12.2019
- Led a team of 10 in client acquisition and retention, scaled from 0 to 1500 B2B Clients, contributing RM1.2 Billion in total GTV in 3 years (annual growth rate of 500%)
- Continuous collection of real-time customer feedback and collaborating with Product/Engineering to improve the product, driving customer satisfaction +58%
- Drove nationwide sales strategy and optimized sales processes to meet OKRs
Business Development Manager
MoneyMatch
06.2017 - 04.2018
- 3rd hire of the company and the only personnel in the BD team.
- Responsible for client acquisition, establishing sales systems and driving revenue growth
- Singlehandedly brought in 60% of Company's Revenues
- Led partnerships and implemented referral mechanism which drove acquisition & awareness
Sales Manager
Saltycustoms
01.2017 - 04.2017
- Successfully built the sales team - growing a portfolio of RM1.4 Million to RM9.2 Million
- Worked closely with Sales Director to execute strategy and plans for sales team
Apparel Consultant
Saltycustoms
06.2013 - 12.2016
- Top performing Apparel Consultant for 3 years consecutively - contributing RM4.5 million in total sales (50% of company's total revenue).
Education
Bachelor of Arts - Communications & Media Management
Taylor's University
MalaysiaAmerican Degree Transfer Programme -
INTI International College
MalaysiaSkills
- Product Strategy & Roadmap Development
- Cross-functional Team Leadership
- Business Banking Product Development
- Stakeholder Management
- Data-driven Decision Making
- Agile Product Delivery
Certification
- Certified Scrum Product Owner - PSPO 1
Languages
English
Mandarin
Cantonese
Bahasa Melayu
Interests
Airbnb Experience Host, Musician, Marathon Running, Certified Fitness Trainer, Football, Tennis, Reading
Internships
- Account Management, Tribal DDB, Kuala Lumpur
- Assisted Account Manager in identifying client's requirements
- Develop advertising campaign that meets client's budget and brief (Volkswagen Cars)
Timeline
Product Lead
Aeon Digital Bank
05.2025 - Current
Senior Product Owner
Aeon Digital Bank
04.2023 - 05.2025
Senior Product Owner
BigPay
07.2022 - 04.2023
Senior Remittance Lead
BigPay
09.2021 - 07.2022
Remittance Lead
BigPay
02.2020 - 08.2021
Head of Corporate Sales
MoneyMatch
05.2018 - 12.2019
Business Development Manager
MoneyMatch
06.2017 - 04.2018
Sales Manager
Saltycustoms
01.2017 - 04.2017
Apparel Consultant
Saltycustoms
06.2013 - 12.2016
Bachelor of Arts - Communications & Media Management
Taylor's University
American Degree Transfer Programme -
INTI International College
Similar Profiles
Arafat Abu JubaraArafat Abu Jubara
CEO at New Aeon Digital - Shareket Al Hokba Al ElektoniahCEO at New Aeon Digital - Shareket Al Hokba Al Elektoniah
KEISAWAN LINGAMKEISAWAN LINGAM
Senior Banking and Financing Executive at Aeon Bank (M) BerhadSenior Banking and Financing Executive at Aeon Bank (M) Berhad
RIDZWAN AFIFFUDDINRIDZWAN AFIFFUDDIN
Finance Executive at AEON Credit Service, AEON TaipingFinance Executive at AEON Credit Service, AEON Taiping
Neshanti NyanasegaranNeshanti Nyanasegaran
LDQA Senior Specialist at Centauri Services & Technology - OKXLDQA Senior Specialist at Centauri Services & Technology - OKX
NUR ALIA SHAHIRA BT ZULKEFLINUR ALIA SHAHIRA BT ZULKEFLI
Assignment Helper at Self-employeedAssignment Helper at Self-employeed