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Dickson Chu

@dicksonchu

I’m a Product Lead specializing in AI & infrastructure for digital banking, Web3, and marketplaces—scaling products end to end.

Zimbabwe

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What I'm looking for

I’m looking to lead AI & infrastructure product strategy end to end—scaling digital banking/Web3 platforms with data-first execution, global Agile delivery, and measurable ARR and user-retention growth.

I’m a data-first Product Lead specializing in AI & infrastructure, focused on scaling digital banking, Web3, and marketplace platforms end to end. I lead multi-rail payment and compliance infrastructure, while shipping LLM-driven intelligence features that move key metrics—ARR, retention, and throughput.

Most recently, I led a transition from pilot to fully licensed Visa Principal Member banking, securing Visa Principal Membership and integrating Stripe Issuing to launch a proprietary debit card program for 3,000+ SMEs—reducing unit costs by 22%. I architected a multi-rail business account solution via Yapily and ClearBank to automate liquidity management and drive a 15% MoM transaction volume lift, then engineered KYB/KYC automation with Onfido and Creditsafe to cut application drop-off by 35% and reduce manual review time from 3 days to under 1 hour.

Earlier, I built a Web3 & AI document management platform with a 3-product AI/Blockchain roadmap, delivering 30% YoY growth and $800K ARR in 12 months through institutional use-case focus, usage-based monetization, and scalable Agile execution. I also shaped payments and fraud outcomes—integrating localized payment rails across 10+ markets, reducing fraud incidents by 30% with phone number masking, and improving conversion and security through integrations like 3DS 2.0—backed by a technical foundation in web development and data pipelines.

Experience

Work history, roles, and key accomplishments

Product Lead

SMEB

Jul 2024 - Jul 2025 (1 year)

Led SMEB’s transition from pilot to Visa Principal Member licensing, delivering core infrastructure milestones and launching a proprietary business debit card program for 3,000+ SMEs that reduced unit costs by 22%. Architected multi-rail accounts and streamlined KYB/KYC (Onfido, Creditsafe) to increase transaction volume by 15% MoM and reduce application drop-off by 35%, while deploying Stripe acc

Product Leadership Payments Integration Visa Principal Membership Multi Rail Banking Onfido Creditsafe Liquidity Management

Product Lead

Dedoco

Mar 2022 - Nov 2023 (1 year 8 months)

Built a roadmap for a 3-product AI/Web3 portfolio, driving 30% YoY growth and reaching $800K ARR in 12 months by focusing on high-value institutional use cases. Designed usage-based monetization and a billing gateway (ACV +22%, disputes -40%), scaled a 10+ global Agile organization (delivery velocity +25%), and launched LLM document intelligence to auto-summarize legal contracts, reducing time-to-

Product Strategy Roadmapping Web3 Document Intelligence Monetization Usage Based Pricing Stakeholder Management Experimentation

Product Manager

Lalamove

Jul 2021 - Feb 2022 (7 months)

Orchestrated localized payment-rail integrations across 10+ markets within 6 months, expanding checkout coverage for 7M+ users and increasing successful transaction completion by 20%. Led anti-fraud and messaging infrastructure improvements, including phone number masking (fraud -30%, losses $200k+ in Q1) and SMS gateway architecture with smart routing to reduce monthly OpEx by 25%.

Payments Integration Fraud Prevention SMS Gateway Architecture Product Management

Product Manager

YouTrip

Mar 2020 - Jun 2021 (1 year 3 months)

Integrated 3DS 2.0 with Mastercard and FIS to enhance transaction security and drive a 45% surge in e-commerce volume during COVID lockdown. Built a direct bank transfer top-up flow to bypass high-cost credit card channels (interchange -60%) and delivered a UI/UX revamp that improved retention by 25% and increased MoM new user acquisition by 30%.

Payments Security 3DS Bank Transfers UI UX Revamp Product Management Partnerships (Mastercard FIS)

Web Developer

Green Tomato Limited

Dec 2018 - Feb 2020 (1 year 2 months)

Developed a corporate banking mobile solution for 600K+ institutional users, improving UI/UX and increasing operation processing speed by 25%. Built a high-traffic retail banking application integrating biometric authentication and FPS features to raise mobile transaction volume by 30%, and improved team velocity by 15% through recurring Git and Jira technical workshops.

Mobile Application Development UI UX Biometrics Performance Optimization Git Jira Software Engineering

Business Analyst

Impala Cloud Limited

Dec 2016 - Apr 2018 (1 year 4 months)

Engineered SQL-driven automated data pipelines to clean and transform datasets, reducing manual data preparation time by 40% and improving data integrity for client reporting. Translated stakeholder requirements into technical specifications while managing 10+ concurrent client projects, and built Tableau dashboards that enabled clients to identify 15% in operational cost savings.

SQL ETL Data Pipelines Tableau Stakeholder Management Data Quality Client Delivery

Consultant

KPMG

Oct 2015 - Nov 2016 (1 year 1 month)

Advised 3+ major Hong Kong banks on revised corporate governance policy implementation, ensuring 100% compliance with new risk management and internal audit disclosure standards. Orchestrated digital transformation feasibility by evaluating 15+ fintech vendors to deliver a roadmap reducing projected OpEx by 12%, and validated financial valuations of Level 2/3 instruments using independent DCF and

Corporate Governance Risk Management Digital Transformation Valuation DCF Analysis Yield Analysis Compliance Advisory