CHRIS LUM

• Lead NETS’ merchant acquiring strategy across four major portfolios:
• EFTPOS (Electronic Funds Transfer at Point of Sale)
• Direct Acquiring for Visa and MasterCard (launched 2023)
• Stored Value Card Sales – NETS FlashPay and NETS CashCard

Strategic & Operational Leadership

• Lead four core teams: Retail Sales, Enterprise Acquiring, International Card Payments, and Card Sales.
• Manage 26-person sales force, aligned to strategic goals, compliance, and customer success.
• Achieved 80% EFTPOS productivity growth since 2014 through sales structure reform.
• Introduced performance tracking, forecasting, and segment-based acquisition strategies.

Sales Team Building & Development

• Built high-performance teams through recruitment, coaching, and team restructuring.
• Developed training and onboarding systems to improve productivity and ramp-up speed.
• Created a collaborative culture of accountability and high ownership.

Market & Channel Expansion

• Launched Direct Acquiring (Visa/MasterCard) in 2023 with complete onboarding & settlement setup.
• Rolled out Unified POS in 2019, capturing 60% of mid-market segment.
• Doubled FlashPay & CashCard sales from 2014 to 2025 with flat headcount.

Strategic Planning & Cross-Functional Collaboration

• -Define strategic roadmap, forecast acquisition, and align product, risk, and compliance teams.
• Adapt strategy based on competitor, regulatory, and consumer trends.

Key Achievements

• 80% productivity increase in EFTPOS acquisition.
• 140% NETS merchant growth in 2015.
• 200% growth in F&B and Education in 2016.
• Setup Micro-Payment Team in 2017 to support CFC cashless project.
• Rolled out Unified POS in 2019.
• Setup Direct Acquiring in 2023.
• Launched NETS Tappy in 2024 to drive contactless usage.
• Achieved record terminal deployment and onboarding in 2023–2024.

• Led two sales teams focused on credit card acquisition and financial services. Developed in-store partnerships, drove roadshows, and executed successful marketing campaigns. Managed A&P budgets and worked with internal stakeholders to exceed acquisition targets.

Key Achievements:

• Achieved 114% of target in first 9 months of 2011.
• 130% target achievement in 2012; awarded Top Manager ANZ Sapphire Award.
• Developed in-store model acquiring over 1300 new customers monthly.

• Managed 30 agents across 3 channels (Roadshows, Telesales, Corporate). Developed campaigns in collaboration with malls and merchants. Promoted OCBC Credit Cards and achieved strong acquisition growth.

• Key Achievements:
• Achieved yearly acquisition targets since 2007.
• Restructured channel to internal management in 2008.
• Launched instant card approval campaign for Robinsons.
• Achieved 130% of acquisition targets in 2009.