Andrew Ang
Product Manager (Team Lead), Mortgage Acquistion
Summary
I have 18 years of experience in mortgage and secured lending across product and sales functions. In my current role as the Product Lead for Mortgage Acquisition, I oversee the product acquisition strategy for Singapore mortgages (including residential, commercial, industrial property), Overseas Property Financing (OPF) and Renovation Loans. I have demonstrated a strong track record in driving portfolio growth, shaping pricing strategy, spearheading product innovation, enhancing digital origination, and leading 2 cross-functional squads in the Mortgage Performance Cell. My exposure covers both retail and various wealth customer segments, supported by familiarity on MAS regulation, data-driven and stakeholder expertise through MtJ.
Overview
18
18
years of professional experience
2
2
Certifications
Work History
SVP, Team Lead – Product Management, SG Mortgage
DBS Bank
06.2023 - Current
- Lead strategic acquisition and product development for the full spectrum of Singapore mortgage offerings including residential, commercial, industrial, MRTLP, renovation loans, and overseas property financing.
- Spearhead direct product strategy from retail FPA to wealth segments (PB, TPC, TR) to address customers’ needs through channel capabilities.
- Serve as squad leads for I Plan, I Join and I Discover, I Join (Reno) in Mortgage Performance Cell, driving outcomes through collaboration as a Horizontal Organisation.
- Drive our mortgage online digitalisation journey for superior customer value proposition and digital experience through the enhancement of CJ/EJ and demand management.
- Active contributor to Pricing Committee, GALCO and CEO presentations and forums with market and competitor outlook, loan momentum and TTD.
Product Manager
DBS Bank
11.2018 - 05.2023
- Doubled OPF ENR from 2020 to 2023 by introducing new product proposition and working through the London team.
- Delivered a new module in our credit assessment system, LEAPS for OPF and MRTLP, reducing our origination TAT without the need for manual computation.
- Grew Premium Financing ENR by +20% (2020) and +50% (2021) by close collaboration with the Banca team.
- Reintroduced the Treasures New Entrant Program (TNEP) training to better equip our sales colleagues with product knowledge.
- Introduced a product factsheet to highlight potential premium financing risk to customers.
- Championed key initiatives including IBOR transition into an alternative benchmark.
- Implemented BCP workflow to ensure continuity of business during Covid-19 pandemic where no physical meetings are allowed.
General Manager
Redmen
08.2016 - 09.2018
- Match customers with Australia, United Kingdom and Singapore mortgage needs with suitable financiers to ensure they achieve the best deal and outcome through active research and analysis.
- Guide customer across the entire process of loan application, approval till settlement/completion.
- Performed credit assessment of prospects and customers based on loan servicing regulations on respective country and lenders’ credit policies.
General Manager
Nationwide Real Estate
08.2016 - 09.2018
- Work with clients with their Australia & United Kingdom investment property selection, legal and tax representation, rental management to optimal returns.
- Drive business growth through working partners, seminars, events and networking activities.
- Engage clients with new opportunities and innovate ideas for clients to maximise returns.
Private Client Director / Private Client Manager
National Australia Bank
07.2010 - 06.2016
- Led a team of 7 compromising of 4 RMs and 3 ARMs to drive business strategies and revenue targets.
- Strategise new business ideas with management execute it jointly with the team.
- Provide coaching, mentoring and growth development to the team as a manager and resolve complaints, provide advice to customer management.
- Active business development to drive acquisition of high networth Asia customers in multi-currency mortgage loans and structured product solutions.
- Worked along with investment specialists, client associates, & relationship service team to deliver tailored wealth proposal to clients in managing their wealth planning needs.
- Monitoring collaterals & executing margin calls on customers to safeguard bank’s interest and present clients with timely market information.
AVP – Client Relationship, International Personal Banking
Royal Bank of Scotland (RBS)
06.2007 - 06.2010
- Managed international clients’ banking and mortgage needs, specialising in cross-border multi-currencies property financing.
- Ensured adherence to regulatory frameworks while supporting clients' mortgage objectives and due diligence processes.
- Put up credit proposals for assessment and coordinated with internal stakeholders to deliver lending proposition.
Education
Bachelor of Science - Environmental Engineering
Nanyang Technological University
04.2001 -
Skills
Strategic leadership
Strategic plans
Process improvements
Digital transformation
Certification
Wealth Management Institute (WMI) Certificate in Private Banking, Certificate in Trust Services - Bronze award in 3rd Intake
Timeline
SVP, Team Lead – Product Management, SG Mortgage
DBS Bank
06.2023 - Current
Product Manager
DBS Bank
11.2018 - 05.2023
General Manager
Redmen
08.2016 - 09.2018
General Manager
Nationwide Real Estate
08.2016 - 09.2018
Private Client Director / Private Client Manager
National Australia Bank
07.2010 - 06.2016
AVP – Client Relationship, International Personal Banking
Royal Bank of Scotland (RBS)
06.2007 - 06.2010
Bachelor of Science - Environmental Engineering
Nanyang Technological University
04.2001 -
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Adplatform<ul><li>Roles and Responsibilities</li><li>Hiring and team building</li><li>Managing team’s career progression and performance reviews</li><li>Managing Performance improvement plan and firing</li><li>Mentoring</li><li>Product roadmap planning and execution</li><li>Accountability of the entire delivery execution including the risk mitigation planning.</li><li>Stakeholder management</li><li>Adhering to Apple Privacy and Security Guidelines for platform</li><li>Design and implementation of new architectures and solutions to manage all online services for AdXchange in Apple Ads.</li><li>Design and implementation of new architectures and solutions deliver Budget experimentation in Apple Ads</li><li>Design and implementation of new architectures and solutions to manage data for Ad Platform.</li><li>Creating and maintaining all the data and analytics and revenue pipelines for Ad Platforms</li><li>Driving the solution for data ingestions and data processing across Ad platform</li><li>Defining the Strategy for data governance and data access</li><li>Collaboration with business to deliver relevant data and insight for our strategy and decisions.</li><li>Managing storage, processing, copy/synchronization etc. appropriate to scale</li><li>Enabling machine learning and algorithm groups by proving them right frameworks and data</li><li>Advancing team’s design methodology and quality programming practices and evangelize those techniques across Ad platform.</li><li>Deliveries</li><li>Setup 8+ member team to design and deliver Budget Allocation and Budget experimentation.</li><li>Leading Ad Delivery services team, responsible for delivering various capabilities like query understanding, targeting, fraud etc.</li><li>Delivered and Lead Design for observability for budget, and data platform in Ad platform.</li><li>Setup 11+ members high performing team to handle various business needs such as analytics and micro services for Display Advertising as well as Data Platform</li><li>Instrumental in driving Data Platform throughout the SDLC from inception, design, development, testing and deployment.</li><li>Instilled a strong team culture of high-quality delivery by constructive feedback, cross collaboration, focus and motivation.</li><li>Delivered Realtime and Batch Platform with various integrations</li><li>Delivered new DIP design for Data Platform</li><li>Delivered design of all the components of Data processing platform</li><li>Transitioned Display data work to India seamlessly and delivered many critical business impacting features and organizational security initiatives.</li><li>Closely worked with various stakeholders to understand the requirements which resulted into efficient remote work culture.</li><li>Seamless Display execution and set up best practices for 24X7 production on-call.</li><li>Tools and Technologies</li><li>AWS, S3, Kafka, Spark, Hadoop, EMR, Hive, Scoop, Flume, Cassandra, Airflow, Oozie, Gobblin, Schema Store, Icloud, Grafana, Kubernetes, Vertica, Alation, snowflake, druid, Iceberg, Java, Scala, IntelliJ, Oracle, MySql, Git, RIO, Spinnaker, Elastic cache, Grpc, Agile.</li></ul> at Apple - Adplatform