Tan Hong Zhou

Experienced Senior Product Manager in fintech and e-commerce with over 10 years’ experience launching and scaling businesses and products across APAC business environment including SEA, US, China and East Asia. Proven track record in global payment orchestration, cross-border solutions, and digital transformation. Adept in stakeholder alignment, payment compliance, and go-to-market strategy. Entrepreneurial mindset and skilled in leading cross-functional teams across commercial, product, engineering, finance, and legal to deliver scalable, revenue-generating solutions. 

Kkday, Travel Fintech – Senior Product Manager (Payments)

Singapore, Taiwan | Jul 2022 – Jul 2025

• Drove global payment partner strategy by leading RFP and vendor selection for B2C and B2B solutions, resulting in a (+5 to 15%) improvement in approval rates and cost savings ($20K to $50K/annum) through competitive negotiations. Achieved overall $200K annual savings via localization payment solutions and orchestration. Owned KPIs for payment conversion, success rates, and channel performance analytics.
  
   
• Strengthened strategic partnerships with top acquirers (Stripe, Adyen, Airwallex, Checkout, Worldpay, 2C2P/Antom) and APM providers (ATOME, GrabPay, ShopeePay, ShopBack Pay, PayMe, PayPay, Touch ’n Go, etc.), enabling +15% to 20% payment method adoption across priority APAC markets.
  
   
• Influenced high-stakes business decisions by aligning payment strategies with organizational goals—collaborating with business, finance, commercial, product, and tech leadership—and securing buy-in for initiatives that expanded coverage to 5 new markets. 
  Examples: - Led HK VISA Instalments product development and launch with external partners like VISA HK, HSBC HK, Payment provider and with internal stakeholder, HK marketing team for GTM achieving adoption of over 10% usage driving new revenue with co-marketing with Visa & HSBC.

- Launched localized payment methods including E-wallets, BNPL, cross-border payments, and instalment plans, resulting in significant new customer acquisition from payment co-marketing campaigns with payment providers.

- Led end-to-end delivery across tech, legal, treasury, accounting, and QA for B2B payment solutions handling >$50M GMV.

Gushcloud International, MarTech / Commerce – Head of Product

Singapore, SEA, China, USA | Mar 2018 – Jun 2022

- Established new tech team and operations in China for livestream commerce and influencer monetization, including setting up of VIE company structure, finance and legal setup, and hiring.

- Drove digital transformation across 7 countries; implemented influencer-brand matching via data platform.

- Initiated and setup entertainment in the US (NBA) fan club platform in China.

- Initiated fintech-style integrations for content creators’ earnings and settlements.

- Led data privacy compliance as appointed Data Protection Officer.

- Oversaw cross-border payment operations and local adaptation of tech platforms.

Glimpse, Startup/Beauty Commerce – Co-founder

Singapore | Apr 2013 – Nov 2017
Entrepreneurial startup venture

- Secured IMDA iJAM funding with NTU NTUitive; scaled beauty service O2O marketplace to 10K users and top 50 ranking on Playstore.

- Participated in Garage Tech Venture accelerator.

- Launched in-app booking/payment platform for offline beauty businesses.

- Implemented backend software to support digital transformation of SMEs.

- Partnered with influencers and indie brands; developed e-commerce payment UX and livestream shopping platform.

- Conducted market research and SWOT for regional growth in SEA markets.

DSO National Laboratories – Member of Technical Staff

Singapore | Jun 2011 – Mar 2013

- Supported project management coordination and stakeholder engagement.

- Embedded System development (Military grade)

- Developed GPU-based algorithms and optimization models for defense-related projects.

National University of Singapore (NUS)

Bachelor of Computing – 2011
QS World Ranking: #6 in Computing

Singapore Polytechnic

Diploma in Electrical, Electronic & Computer Engineering – 2005