DCS Leadership Team
The DCS Leadership Team comprises veterans from the cards and payments industry,
with each individual bringing solid experience to lead the business transformation at DCS Cards Centre.
Karen has more than 25 years' proven experience in the cards, payments, consumer lending and retail industry. She has helmed senior leadership positions at notable institutions including Citibank, DBS, Maybank, Prudential and UOB. As Executive Vice President, Head of Cards & Unsecured Lending at Maybank, she led the Cards & Unsecured Loans business for both the Malaysia and Singapore markets, driving its overall growth and profitability.
Karen has been recognised by industry leaders such as AMEX, Mastercard, RBI Asia Trailblazers, Straits Times Invest Editor and The Asian Banker for her innovative spirit and product excellence.
As CEO, Karen spearheads the organisation's business transformation and drives the diversification and delivery of its products and services. She advocates a digital-first approach across all core activities with innovation as key.
- Bachelor of Commerce (double major in Marketing and Management), Murdoch University
A banking and finance veteran, Mr Lee spent 20 years at Citibank in various senior capacities including Chief Finance Officer, Senior Operations Officer and Head of Credit Cards business. He was then promoted to Business Manager and took leadership of the bank's Consumer Business, and was also responsible for its establishment in China. Upon returning to Singapore, Mr Lee was appointed the Asia Pacific Operations and Technology Head for Citibank. He subsequently joined Barclays Bank as International Head of Technology for Global Retail and Commercial Bank and then onward to helm the role of Chief Operating Officer at Fullerton Financial Holdings, a subsidiary of Temasek Holdings.
Mr Lee works closely with the CEO on business transformation outcomes.
- Bachelor of Accounting (Honours), National University of Singapore
With over 20 years in the consumer cards, unsecured lending and payments sector, Lionel has held leadership roles at Citibank, Prudential, DBS and Maybank. He delivered the award-winning refresh of the Maybank Family & Friends Credit Card and a year-long acquisition strategy that grew almost 3x Card and 7x Unsecured Credit - CreditAble main accounts.
Lionel leads the Consumer Cards business at DCS and drives the delivery of new products, customer acquisition as well as usage and loyalty programmes.
- Bachelor of Business in Banking & Finance, Banking extended major, Queensland University of Technology
- Advanced Marketing Certification endorsed by Institute of Leadership & Management
With almost 20 years of experience in the cards and payments industry, Ceridwen has helmed leadership positions in notable institutions including DBS, HSBC and MasterCard, where she led its consumer payments business for Southeast Asia and then Credit Cards portfolio for the APAC. She was most recently part of the APAC founding team at Railsbank, a Banking-as-a-Service (BaaS) fintech.
Leading Payments & Innovation at DCS, Ceri is responsible for the development of our fintech-enablement services and Web3 products. She also holds the Brand & Marcom portfolio and drives the organisation's brand management and communications strategy.
- Bachelor of Business (Honours), NTU
- Graduate of the SMU Women & Leadership Program
Simon has over 20 years' experience in the payments sector spanning across card acquiring, usage and acquisition portfolios. He was a key player in shaping OCBC's Acquiring business over the past 10 years and established the Bank as a leading acquirer in Singapore on the acceptance of VISA, MasterCard, UPI and JCB schemes. Prior to joining OCBC, Simon held leadership roles at UOB and CIMB.
Simon is responsible for growing DCS' merchant acquiring footprint and acceptance points, as well as accelerating digital onboarding and servicing, and e-commerce solutioning.
- London Business School: Advance Diploma in Business Administration
Jeremiah has more than 20 years of experience as a Payments practitioner working in Singapore and Asia in the Credit Cards Issuing and Acquiring space. He has held key positions in notable financial institutions such as DBS, OCBC, American Express and Maybank. He was formerly the Regional Head of Merchant Acquiring & Commercials Cards at Maybank. Jeremiah also spent 13 years at American Express, including 7 years as their Regional Director of Merchant Strategy & Partnerships where he played an instrumental role in driving merchant acquiring and payment partnership strategies to grow significant American Express acceptance and market share in the region.
At DCS Card Centre, he leads the Commercial Cards business and spearheads the delivery of business products and solutions.
- Bachelor of Science (Honours), Finance & Marketing, University of Bradford (UK)
An experienced business leader, Zhenwei was formerly Chief Marketing Officer and Alternate Chief Executive Officer at K&R International Limited where he oversaw business strategy, product development and marketing. He has also held senior positions with Ping An Group, as Senior Product Director providing consulting and digital banking services to small and medium banks in China, and Deputy General Manager of Accounts and Payments, where he was responsible for the company's accounts and payments module.
Zhenwei leads the DCS Technology team in executing the company's digital-first mission across all customer applications.
- Bachelor's Degree in Finance, East China University of Political Science and Law
Koo has more than 35 years' experience in the banking sector, including 25 years in the cards and unsecured loan payment business. At DBS, Citibank and OCBC, he oversaw functions such as operational risk management, card and unsecured lending operations, business analysis and business process improvement. Koo was instrumental in two card management system migration projects for banks, and has helped drive industry-level payments initiatives by MAS and ABS.
At DCS, Koo oversees Business Support outcomes including business analysis and project management, as well as IT compliance with regulatory requirements.
- Master of Information Technology in Business, Singapore Management University
- Bachelor of Science (Economics) in Banking and Finance, University of London
Michelle has held diverse portfolios with over 20 years of experience in the cards and unsecured lending business at financial institutions like DBS, UOB and Maybank. At Maybank, she headed Card Operations and oversaw the business and operations teams. She has also served as a committee member for various MAS & ABS payments industry initiatives.
In charge of Business Planning & Operations, Michelle oversees key functions including Membership, Customer Service and Business Planning & Analytics.
- Diploma: Business Administration, PSB Academy Singapore
A risk management expert with more than 25 years in the banking and finance sector, William started his career at Citibank with regional responsibilities in corporate banking, private banking and technology. He moved on to advisory roles with PwC, ING and IBM, before joining Fullerton Financial Holdings where he had oversight of integrated risk at the investee companies.
At DCS Card Centre, William oversees risk management, compliance, legal and credit. He is responsible for the enterprise-wide risk governance, risk analytics and operational resiliency agenda.
- Bachelor of Engineering, NTU
- Master of Applied Finance, Macquarie University
Prior to joining Diners Club Singapore in 1987, Peter was a financial controller at a consultancy firm. At Diners, he started as Manager of Finance and Administration, and subsequently took leadership of financing efforts for the organisation and its subsidiaries.
Peter leads financial operations at DCS, including planning and analysis, and drives financial strategies and investments to support the company's growth.
- Bachelor of Commerce
- Member, Institute of Singapore Chartered Accountants
- Member, ICAA
Eileen's expertise spans across corporate finance, M&A, and market capitalisation, including IPO, fundraising and financial & tax management. In addition to senior leadership roles at Neuventure Management Consulting Company and Candypay Payment Solutions Technology Company, she was most recently the General Manager of Finance at Ping An Insurance Group in Shanghai, and managed the company's strategic investment portfolios as its Post Investment Director.
At DCS Card Centre, she works closely with the Managing Director of Finance on financial planning and analysis, and oversees accounting operations.
- EMBA, China Europe International Business School
- Master's Degree, Fudan University
- Senior Fellow, Chartered Institute of Management Accountants, Certified Public Accountant (China)