Curriculum Vitae (CV) Résumé - Ryan Yan

Curriculum Vitae (CV) Résumé - Ryan Yan

EDUCATION

Monash University

Graduate Certificate of Artificial Intelligence (expected 2023) 

Monash University

Master of Business Law, Commercial Law 

Monash University

Bachelor of Commerce, Double Major: (1) Information, Strategy & Decision-Making; (2) Accounting

AAMC

Diploma of Finance and Mortgage Broking Management

Kaplan

AFSL Tier 2 RG146 Accreditation

WORK EXPERIENCE

NoahPay – Director and Co-founder

710 Collins St, Docklands Victoria 3008

Noah Financial Services Pty Ltd Trading as NoahPay

Nov 2017 – Present

NoahPay is Australia’s leading integrated payment solution wholesaler and Payment Platform as a Service (PaaS) provider.

Key Responsibilities:

• Founded a start-up omnichannel payments business from scratch;

• Engineered internal policies and business process and procedures;

• Formulated business strategies and priorities, stream-lined product road maps guided by market research and macro-economic environment;

• Orchestrated cross-continental collaborations with Tencent Cloud Billax Project and BPAY Project team;

• Spearheaded client acquisition specializing in key account coverage and relationship management;

• Advocated the NoahPay and Billax brand via multiple media relationships and showcased products with regular demos and presentations;

• Navigated regulatory relationships with ASIC, AUSTRAC and AFSL licensee;

• Forged mutually beneficial partnerships with BPAY Group, Monash University, Fiserv, WeChat Pay, Tencent Cloud, Alipay, MVSI, ANZ Banking Group & Novatti Group;

• Simplified and standardized pricing strategy and KPI for channel partners;

• Oversaw daily business operation including funds remittance audits and approvals;

• Aligned product and software development team and regulated project delivery timeframe;

• Activated NoahPay Payment Platform as a Service (PaaS) for new acquirers and Billax bill payments solution for WeChat Pay users;

• Accelerated international expansion efforts and successful instituted services in Europe and New Zealand through cross-border partnerships;

• Inspired team efforts in securing independent acquiring licenses for WeChat Pay in Australia and New Zealand;

Key Achievements:

• Processed over $600 million in WeChat Pay transactions from over 2.4 million users since activation;

• Sponsored Monash University in Australian Research Council’s Linkage Program on Privacy-Assured Time Series Analytics for Cross-Border Payment Systems in 2020 and 2021;

• Recognized being 2nd in eCommerce transaction volume globally for WeChat Pay in the 2nd half of 2019 calendar year;

• Awarded Customer Service Excellence award by WeChat Pay amongst the worlds’ largest financial institutions in 2019;

• Attained Micro-innovation award from Tencent Cloud in 2020; 

• Cultivated partnerships with BPAY Group as one of the first authorized financial institution to pilot the BPAY API and only company successfully launched a live product;

• Lobbied AUSTRAC and New Zealand Company Office strive for and obtained registered financial service provider status as an international company; 

• Amplified group marketing efforts and achieved exponential growth for transactions processed on Billax platform;

REA Group - Product Manager

Head Office, 511 Church St Richmond Australia

REA Group/ News Corp

Dec 2020 – Present, 2 yr 1 mos

Key Responsibilities:

•     Leading discovery and analysis on evolving the pricing and packaging of our advertising offering. Work closely with product, analysts, marketing, sales and other key functions.

•    Review the existing product portfolio to optimize and find growth opportunities.

•    Develop commercial models to understand the likely business impacts associated with key product changes, and present clearly to senior stakeholders.

•    Collaborating with delivery and technical leads to ensure the execution of pricing changes through existing systems.

•    Collaborating with experience and service designers to understand the impact to the customer experience and design for a successful go to market and positive customer sentiment

•    Collaborate across the Customer Group to find benefits for markets

•    Build close relationships with customers, our sales and operations teams to ensure our products meet market needs. 

•    Be an advocate and champion for the value that your product set delivers. 

•    Build and maintain relationships across different functions and teams to leverage group capabilities to ensure successful delivery of product plans. 

•    Keep a watchful eye on competitors, market changes, potential partners, developing predictions on how the market is changing and helping define where REA needs to be positioned in the future 

Commercial Relationship Manager - Partner 3

Box Hill Partnership, nabBusiness

National Australia Bank Ltd

Aug 2016 – Nov 2017, 1 yr 4 mos

Key Responsibilities:

• Advocated for a diversified portfolio of medium to large businesses and ultra-high net worth families across various industries ranging from property developers, commercial landscaping business to luxury cruiser manufacturers;

• Stimulated client acquisitions on the bank’s behalf across sectors and demographics; 

• Advised High-Net-Worth families and commercial clients across various industries on their unique financial needs, this includes but is not limited to debt advice, foreign exchange risk, interest rate risk, wealth, insurance, and succession planning;

• Scrutinised overall risk profile of the portfolio by actively monitoring account performances and qualify referrals to strategic business services as appropriate;   

• Mentored junior business bankers and associates while promoting personal developments and enabling succession planning for the bank;

• Revitalized overall banking experience for a portfolio of clients in promoting the nabBusiness brand;

• Directed associates, centralised business bankers and fulfilment centres in managing customers’ experiences as one team; 

• Evaluated commercial and personal lending applications utilising technologies guided by credit assessment principles;

Key Achievements:

• Enhanced and sustained individual Net Promoter Score (NPS) of +25, compared to NAB priority segment NPS of -14 at the time based on clients’ feedback;

• Stimulated portfolio average Return on Equity (ROE) of 48.7%, generated cash earning in excess of $3 million bank year to date;

• Delivered lending and deposit under management in excess of $250 million in Australian dollars;

• Attained Delegated Commitment Authority (DCA) to decide commercial and personal credit applications up to $6,000,000 in Australian dollars at sole discretion, and up to $30,000,000 at joint approval;

Business Banking Manager - NAB Headquarter Portfolio

500 Bourke St Melbourne Portfolio 

Melbourne CBD Region, Small and Emerging Business

National Australia Bank Ltd

May 2014 – Aug 2016, 2 yrs 4 mos

Key Responsibilities:

• Advised a portfolio of 200 business and high net worth customer aggregation groups with their consolidated banking requirements; 

• Stimulated client acquisitions on the banks’ behalf across sectors and demographics; 

• Evaluated commercial and personal lending applications utilising technologies guided by credit assessment principles;

• Scrutinised overall risk profile of the portfolio by actively monitoring account performances;

• Revitalized overall banking experience for portfolio of clients in promoting the NAB small business brand;

• Mentored junior business bankers to promote career developments and enabling succession planning for the bank;

• Collaborated with other business units and segments in a team approach to enhance customer experiences;  

Key Achievements:

• Co-authored the NAB QuickBiz loan product as a subject matter expert on business customer journey;

• 1st person in NAB history to accelerate two pay grades and become a business banker;

• Delivered lending and deposit under management in excess of $120 million in Australian dollars;

• Outperformed peer KPI by achieving lending growth of 31.2% in FY15;

• Attained Delegated Commitment Authority (DCA) to approve home loan or business loan up to $1,500,000 AUD at sole discretion; 

• Cultivated extensive referral networks nationally and across demographics, through networking and customer word-of-mouth; 

Business Credit Analyst 

800 Bourke Street, Docklands Victoria 3008

Application Approval, Small Business Fulfilment, Enterprise Services and Transformation

National Australia Bank Ltd

Jan 2013 – May 2014, 1 yr 5 mos

Key Responsibilities:

• Delivered credit assessment and determine the strength of business and consumer credit applications based on various credit matrixes;

• Coached fulfilment colleagues and business bankers on credit policies and procedural matters in optimising credit submission to accelerate decisioning and enhancing customer experiences; 

• Driven collaborations with the extended business fulfilment team to expedite application flow and promote speed to market;

Key Achievements:

• Attained credit assessment accreditations for automated business and home lending decision tools (eCL & eBL);

• Subject matter expert for decision tool related queries;

• Resident business lending specialist for business bankers in the highest performed small business region in Victoria;

• Sustained productivity records in 2013 across national application approval teams while working autonomously with interstate manager;

• Awarded and nominated for multiple enterprise recognition awards and monthly employee awards;

Senior Analyst (Supervising), National Mortgages Fulfilment

833 Collins Street, Docklands Victoria 3008

Mortgages Post-Settlement, National Mortgages Fulfilment

Australia and New Zealand Banking Group

Jan 2011 – Dec 2012, 2 yrs 

Ryan has completed rotations across the Australia Operation division with a particular focus on mortgage fulfillment functions. 

As a step-up leader for the post-settlement team, Ryan has orchestrated collaborations across functions and inspired productivity across the team;

  

As a coach for the newly created campus at Bangalore India to offshore the entire fulfilment function for the bank, Ryan has ensured the processes and qualities were maintained immediately following the transition. 

As a Subject Matter Expert for the ANZ National Fulfilment Future State Project, Ryan has translated his in-depth process knowledge and continuous process improvement skills into designed process implementations.

INTERVIEWS

Face value: the new tap and go: 

https://bpaygroup.com.au/news/articles/face-value-the-new-tap-and-go/

QR codes set to turbocharge SME real-time payments: https://bpaygroup.com.au/news/articles/qr-codes-set-to-turbocharge-sme-real-time-payments/

How BPAY Group's open APIs are powering innovative payment solutions: 

https://bpaygroup.com.au/news/articles/how-bpay-group-s-open-apis-are-powering-innovative/

Fintech Payments Innovation And Cross-Border Payments Integration Between Australia And China: 

https://www.australiachinarelations.org/content/fintech-payments-innovation-and-cross-border-payments-integration-between-australia-and

CONTACT

LINKEDIN:

https://www.linkedin.com/in/ryanyann

EMAIL:

ryan@newportgroup.com.au

Virtual Coffee w/me: 

calendly.com/ryanyan

POSTAL:

PO BOX 2063 

Kerrimuir VIC 3129

LANGUAGES:

English

Mandarin Chinese

Cantonese Chinese