Palo Alto, CA · Product Leader
8+ years building Fintech, Blockchain, and AI products across the US, Singapore, and Mongolia. Zero-to-one launches. Government-adopted platforms. Measurable outcomes at every stage.
01 · About
I've built and scaled Fintech, Blockchain, and AI products across three continents — launching a government-adopted blockchain credential platform in Mongolia, a B2B AI scoring SaaS across Southeast Asia, and now founding product at a Palo Alto startup.
My edge: I translate complex distributed systems and financial infrastructure into clear product narratives that close partnerships, align engineers, and move markets. I thrive in 0-to-1 environments where the roadmap doesn't exist yet.
// Core Expertise
// Languages
02 · Case Studies
// case_study_01
Certify.mn — Blockchain Diploma Verification
TEO Blockchain
Problem
Mongolia's Ministry of Education discovered 724 fraudulent and 2,000 suspicious diplomas out of 59,000 checked in 2022. Fake credentials were slipping into government jobs and classrooms.
For legitimate graduates, verifying a paper diploma meant expensive notarization and weeks of delays — a real barrier for anyone applying to jobs abroad or continuing education overseas.
My Approach
I named the product, owned go-to-market strategy, and defined the pricing model. The core insight: this couldn't just be a tech solution — the Ministry and universities had to adopt it simultaneously, or it would fail on both sides.
I ran blockchain education sessions for institution stakeholders who had zero familiarity with the technology. Then I took the beta directly to both government officials and university administrators — walking each group through the exact same platform. The result: any HR manager or employer can now verify a diploma instantly by drag-and-dropping the file, with no notary, no calls, no waiting.
Outcome
Beta launched in 3 months. After a second 3-month iteration based on real institution feedback, the platform was officially adopted by Mongolia's General Education Authority — now mandated under Mongolian law for all university graduates.
40+ universities and academies onboarded. Credential verification went from weeks and notary fees to instant and free. Issuance costs dropped 80%.
// case_study_02
NIKO AI Scoring — No-Code ML for Banks
AND Solutions · nikoscoring.ai
Problem
Banks and lending institutions across Southeast Asia were making credit decisions with spreadsheets and gut instinct. Building proper ML credit scoring models required a data science team — something most regional lenders couldn't afford or hire.
AND Solutions needed a new product it could sell into the SEA market. There was no internal roadmap, no validated concept — just a gap in the market and an opportunity to own it.
My Approach
I identified the opportunity through market research, built the business case, and presented it to the steering committee — getting sign-off to build a product from scratch. I named it NIKO, after my own name.
Working directly with ML engineers, I defined the product: a no-code AutoML platform where banks could upload their data, train predictive models, and deploy them — without writing a single line of code. I created ELI5 explainer videos to make ML concepts accessible to non-technical bank executives, produced demo videos for the sales team, and personally ran client demos with banks and NBFIs across the region.
Outcome
NIKO became the second product AND Solutions ever sold into the Southeast Asian market. It's now a live SaaS platform used by banks, insurance companies, and lenders for credit scoring, debt collection, churn prediction, and insurance claim modeling.
// case_study_03
LendMN — Gamification to Reduce Default Risk
AND Solutions · lend.mn
Problem
During a quarterly review, I noticed the risk team was flagging a quiet but dangerous trend — early repayers were shifting to on-time, and on-time payers were slipping 1–2 days late. No penalty existed for the first 3 days, so nothing was catching it.
I proactively got sign-off to investigate before it materially hit portfolio quality. Analyzing 12 months of data from active users, I confirmed the behavioral shift was real and accelerating across both segments.
My Approach
I ran structured customer interviews with ML engineers and the CS team, testing multiple hypotheses — financial hardship, notification gaps, payment friction. All ruled out. The actual root cause: customers had no reason to pay early.
Gamification emerged from a cross-team brainstorm, not as my first instinct. We skipped reminders and nudges because the problem wasn't awareness — it was motivation. I designed a bonus points system tied to things customers cared about: higher loan limits and reduced fees. Presented to the steering committee, approved, and launched within 3 months.
Outcome
We targeted 10% improvement in early repayments. Customers adopted far faster than projected — we hit 18%. That created a new problem: points cost exceeded budget. So we iterated: dialed back points per repayment, but expanded redemption value across BNPL and installment products.
What started as a repayment fix became a cross-product loyalty system. Default risk dropped 5%, meaningfully improving portfolio quality.
03 · Impact
Government-Adopted Platform
Blockchain credential system officially adopted by Mongolia's Ministry of Education. Zero to nationwide infrastructure.
International Sales Growth
Expanded into five new global markets and grew revenue sixfold through strategic positioning and direct negotiation.
Default Risk Reduction
Incentive model that lifted early repayments 18% and cut default exposure — measurable from day one.
Strategic Partnerships Closed
Blockchain education sessions that directly converted into 6 signed strategic partners.
SEO Growth via Events
Virtual fintech event drove triple-digit organic search growth and 7 qualified B2B leads in Southeast Asia.
Continents, One Playbook
Built B2C, B2B, and B2B2C products across the US, Singapore, and Mongolia — web and mobile.
04 · Education
M.S. Information Technology Management
Golden Gate University
San Francisco, CA
B.Com. Business Administration
Raffles College of Commerce
Ulaanbaatar, Mongolia
05 · Contact