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