Marinda Teo
Summary
A dynamic professional with a unique blend of data analytics and financial expertise, holding a CFA qualification. Extensive experience leading cross-functional teams in wealth and ecosystem analytics, financial performance planning, and strategy formulation. Adept at driving data-driven decision-making and business outcomes, with a proven track record of optimizing financial performance. Complemented by prestigious leadership roles in education and sports, demonstrating strong organizational and strategic leadership.
Overview
28
28
years of professional experience
Work History
Wealth Analytics Lead
DBS Singapore
01.2022 - Current
- Lead the data science team to deliver AI/ML-powered behavioral insights for the CBG SG Wealth business, driving data-driven decision-making and enhancing customer engagement
- Scaled up Gen AI initiatives within the Wealth ecosystem, accelerating value creation and delivering measurable business outcomes
- Spearhead data instrumentation strategies, harnessing the power of customer analytics to craft bespoke, data-driven wealth solutions
- Optimized Relationship Manager (RM) productivity and supported key business rituals through actionable insights, leveraging the principles of a DDOM (Data-Driven, Operating Model) approach
- Direct a cross-functional squad for customer engagement, collaborating with stakeholders to design and implement end-to-end digital engagement strategies
- Improved customer satisfaction and strengthened relationships through seamless online-to-offline touchpoints, and developed RM talking points to facilitate effective conversations and personalized customer interactions
- Lead the development of a comprehensive training curriculum for the data analytics team, focusing on equipping members with essential skills to thrive in their roles
- Conducted regular capability assessments and analyzed industry trends to ensure training programs were relevant, impactful, and aligned with business objectives, driving team performance and productivity
Ecosystem, Paylah & Marketing Analytics Lead
DBS Singapore
04.2018 - 12.2021
- Spearheaded data analytics initiatives for key verticals, including travel, education, Paylah, and ecosystem partnerships, driving actionable insights to optimize customer experiences
- Collaborated with major partners such as Google, Lotte, Go-Jek, and Golden Village to leverage both in-house and external data to develop comprehensive customer 360 profiles
- Led Paylah analytics across acquisition and usage metrics, identifying key use cases to prioritize app capability development and redesigning customer journeys to enhance engagement and optimize app usage
- Directed analytics for marketing touchpoints across owned media channels, analyzing click-through rates, journey mapping, and customer drop-off points
- Redesigned customer journeys and prioritized capability enhancements for critical user touchpoints
- Managed Facebook Community Smart Buddy analytics, analyzing customer sentiment and feedback to continuously refine and improve the Smart Buddy initiative, fostering stronger customer relationships
Product and Segment CFO
DBS Singapore
04.2015 - 04.2018
- Provided actionable insights to drive profitability, informed decision-making, and support the bank’s long-term financial planning and growth initiatives
- Led the management review of all financials across various segments and products, ensuring alignment with strategic goals
- Conducted in-depth analyses of revenue and cost drivers, identifying key trends and opportunities to optimize financial performance
- Simulated and calibrated yearly budgets, working closely with senior management to review and approve financial forecasts
- Collaborated closely with business heads to align and calibrate business drivers, ensuring operational and financial performance targets were met, driving consistent growth across the business
- Revamped the management reporting packs, enhancing their effectiveness by providing more meaningful insights and actionable data to improve business performance and decision-making
SME Finance Lead
Standard Chartered Bank
01.2013 - 04.2015
- Led revenue and cost analysis for the SME segment, providing comprehensive insights into financial performance and identifying key drivers impacting profitability
- Conducted P&L reviews for the SME segment, collaborating with business leaders to assess financial outcomes, track performance, and implement corrective actions to optimize results
- Worked closely with SME business heads to calibrate and align business drivers, leveraging data-driven insights to enhance decision-making and drive sustainable performance growth
- Supported budgeting and forecasting processes for the SME segment, ensuring realistic financial planning while anticipating market trends and potential risks
Financial Analyst
Standard Chartered Bank
01.2011 - 01.2013
- Led cost analytics for the bank, reviewing cost forecasts, analyzing key cost drivers, and calibrating these drivers to optimize cost efficiency and align with strategic business objectives, ultimately improving financial performance and profitability
Asset Management Business Analyst
Deutsche Bank
01.2008 - 01.2011
- Conducted comprehensive financial, performance, and profitability reviews for the bank's asset management business, analyzing key metrics to assess financial health, identify trends, and recommend strategic improvements
- Reviewed assets under management (AUM), providing insights into asset growth, portfolio performance, and profitability, while ensuring alignment with business objectives and regulatory requirements
Cost Analytics Analyst
Deutsche Bank
01.2008 - 01.2011
- Led cost analytics for the finance department, analyzing operating costs, identifying inefficiencies, and recommending cost optimization strategies to improve departmental performance and reduce expenses
- Reviewed and monitored cost drivers within the finance function, calibrating key inputs and forecasting expenses to ensure financial resources were allocated efficiently and effectively aligned with business priorities
Asia Pacific T&O Regional Cost Lead
Citibank
01.2004 - 01.2008
- Led cost analysis and optimization for Asia Pacific Technology and Operations (T&O), working closely with the AP T&O head to analyze cost structures, identify efficiencies, and implement cost-saving initiatives that aligned with regional business goals and drove operational performance improvements
Planning Lead – Asean software group
IBM
01.2000 - 01.2004
- Led financial performance review and analysis, working closely with regional to monitor key performance indicators (KPIs) and identify areas for cost optimization and operational efficiency
- Through detailed analysis and insights, helped improve financial decision-making and contributed to the strategic planning of the maintenance business across multiple ASEAN markets
Pricing Lead – Personal Computing Group (Thailand & Malaysia)
IBM
01.2000 - 01.2004
- Managed pricing strategies for the Thailand and Malaysia markets, working directly with Relationship Managers to support major bids for corporate clients
- Monitored market trends and adjusted pricing strategies to maintain a competitive edge, ensuring long-term client satisfaction and business growth
Senior Associate – Financial and compliance audits
PriceWaterhouse Singapore
01.1997 - 01.2000
Education
Executive Education - AI For Leaders
NUS
03-2025
Certified Financial Analyst (CFA) - Level 3
CFA
06-2003
Bachelor of Accountancy - Second Class Honors
Nanyang Technological University
06-1997
A Levels -
Hwa Chong Junior College
12-1993
Skills
- Data analytics
- Financial expertise
- CFA qualification
- Leading cross-functional teams
- Wealth analytics
- Ecosystem analytics
- Financial performance planning
- Strategy formulation
- Data-driven decision-making
- Business outcomes
- Optimizing financial performance
- Organizational leadership
- Strategic leadership
Other Appointments
- Deputy President, Singapore Athletics
- Vice President, Hwa Chong Alumni Association
Timeline
Wealth Analytics Lead
DBS Singapore
01.2022 - Current
Ecosystem, Paylah & Marketing Analytics Lead
DBS Singapore
04.2018 - 12.2021
Product and Segment CFO
DBS Singapore
04.2015 - 04.2018
SME Finance Lead
Standard Chartered Bank
01.2013 - 04.2015
Financial Analyst
Standard Chartered Bank
01.2011 - 01.2013
Asset Management Business Analyst
Deutsche Bank
01.2008 - 01.2011
Cost Analytics Analyst
Deutsche Bank
01.2008 - 01.2011
Asia Pacific T&O Regional Cost Lead
Citibank
01.2004 - 01.2008
Planning Lead – Asean software group
IBM
01.2000 - 01.2004
Pricing Lead – Personal Computing Group (Thailand & Malaysia)
IBM
01.2000 - 01.2004
Senior Associate – Financial and compliance audits
PriceWaterhouse Singapore
01.1997 - 01.2000
Executive Education - AI For Leaders
NUS
Certified Financial Analyst (CFA) - Level 3
CFA
Bachelor of Accountancy - Second Class Honors
Nanyang Technological University
A Levels -
Hwa Chong Junior College
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