Fay S.F. Tee
Dubai
Summary
Accomplished Senior Banker with a robust 19-year track record in trade and supply chain finance, well-versed in product management, deal structuring, and new business development. Career spans across four international banks (Natixis, Standard Chartered Bank, Citibank and HSBC) in five dynamic cities (Dubai, Hong Kong, Singapore, Kuala Lumpur and Kuching), covering two continents. Thrives in roles that demand strategic thinking and offer opportunities for innovation in transaction banking. Expertise lies in steering complex trade products from conception to market realization, particularly within supply chain finance, receivables discounting, factoring, and traditional documentary trade solutions. Adept at navigating multicultural environments, instrumental in successful stints in Asia and the Middle East. Following a career break dedicated to personal wellbeing, travel, and enriching family time, now poised to re-enter the professional sphere. Brings a refreshed perspective, renewed vigor, and a solutions-focused approach to contribute meaningfully to a forward-thinking organization.
Overview
19
19
years of professional experience
Work History
Executive Director, Expert Leader – Trade & Supply Chain Finance
Natixis DIFC Branch
2022.05 - 2023.08
- Led and executed end-to-end deal/transaction processes
- Contributed to SCF development as a Core Sponsor and Steering Committee member in Natixis' Global Trade strategic plan.
Executive Director, Head of Global Trade, Middle East
Natixis DIFC Branch
2020.09 - 2022.05
- Formed the Global Trade team in the Middle East by merging the Energy & Natural Resources and Trade & Treasury Solutions business lines
- Optimized ground resources for enhanced focus on origination and business development in critical areas, including Trade & Supply Chain Finance, Commodity Corporate Structured Finance, and Export Finance.
Executive Director, Head of Trade & Treasury Solutions, Middle East
Natixis DIFC Branch
2019.07 - 2020.08
- Led and grew the trade finance portfolio (corporate and banks) in the region with revenue growth by 19% yoy.
Director, Trade & Treasury Solutions, Middle East
Natixis DIFC Branch
2015.09 - 2019.07
- Co-built the newly established trade finance unit
- Expanded the corporate client portfolio, leading end-to-end execution, including structuring, negotiation, documentation, and day-to-day client management
- Diversified the portfolio across telecom, power, industrial, and contracting sectors, achieving a 21% CAGR from 2016 to 2019.
Director, Head of Trade Products, Product Management, Transaction Banking
Standard Chartered Bank
2013.05 - 2015.07
- Led product management, enhancing trade product performance in letters of credit, guarantees/SBLCs, and traditional trade financing
- Commercialized Open Account trade solutions (Receivables Finance, SCF, Structured Warehouse Finance), including the rollout of Vendor Prepay & Portfolio Receivables Services, client pitch creation, deal structuring, and development of training programs.
Director, Trade Product Management, Transaction Banking
Standard Chartered Bank
2011.10 - 2013.04
- Optimized Trade & Supply Chain Finance product offerings and rolled out Vendor Prepay solution in SCF
- Incorporated Structured Warehouse Finance/Inventory Finance into the overall trade finance offerings, formalizing guidelines for Mongolia
- Additional assignments included a "Fit for Growth" review on South Korea's receivable finance business and a short-term assignment in Singapore supporting prioritized initiatives (receivables finance, guarantee issuance for Australia, etc).
Asst. Director, Product Management, Transaction Banking
Standard Chartered Bank
2009.10 - 2011.10
- Improved client and internal user experience on the new open account trade platform
- Streamlined internal processes to boost Receivables Finance offerings.
Vice President, Product Management, Treasury and Trade Solutions
Citibank
2008.09 - 2009.09
- Expanded Supply Chain Finance with the successful rollout of 5 programs in 12 months
- Oversaw the end-to-end SCF product commercialization agenda, including solutions offering, documentation negotiation, and vendor conference & onboarding activities, collaborating with Sales and Coverage.
Vice President, Receivable Finance
HSBC Bank
2008.05 - 2008.09
- Briefly served as Head of Receivable Finance Operations, overseeing daily operations, before pursuing international opportunities with Citibank Hong Kong.
Vice President, Product Management, Trade Services
HSBC Bank
2007.04 - 2008.05
- Established the Receivables Finance/Factoring unit at HSBC Malaysia, leading the project from pilot deal through detailed business planning, system testing and implementation, to commercialization activities, including team setup, training, compliance, legal documentation, and marketing.
Assistant Vice President, Business Development, Trade Services, Central region
HSBC Bank
2006.03 - 2007.04
- Grew midcap segment trade business by managing client portfolios and leading a team of business development officers
- Achieved a 12.3% year-on-year growth.
Trade Services Manager
HSBC Bank
2004.12 - 2006.03
- Second posting in the trainee program, oversaw overall branch trade finance, managing portfolio growth, FX cross-sell, trade activity monitoring, operational efficiency, and a team of 5
- Achieved 8% revenue growth from the previous year.
Relationship Manager
HSBC Bank
2004.06 - 2004.12
- Selected for HSBC Management Trainee program, fast-tracked to 1st posting as Relationship Manager
- Managed midcap client portfolio, focusing on deepening relationships to increase wallet share/profitability through portfolio optimization/cross-sell (FX, trade finance, etc)
- Conducted 5 group reviews (20 individual entities) and secured a new facility of MYR 20 million within 6 months.
Education
Bachelor of Commerce -
University of Melbourne
01.2004
Skills
- New business/ product setup
- Product Management
- Commercialization
- Deal making, structuring, negotiating and execution
- Problem solving
- Leadership and management
- Effective stakeholder management
- Strong verbal and written communication
- Presentation skills
- Works well under pressure
- Ability to meet tight deadlines
- Team collaboration
- High level of integrity
- Ability to work remotely
- Analytical and Critical Thinker
- Adaptable and Flexible
- Results Orientation
Accomplishments
- Led and grew the establishment of Natixis’ trade finance unit in the Middle East.
- Launched a new factoring unit at HSBC Malaysia.
- Managed commercialization of SCF products.
- Managed complex deals, including supplier finance programs and structured funded risk participation.
- Instrumental in platform enhancements, improving user experience significantly.
STRENGTHS
- Strategic – navigate between strategic vs granularity and apply analytical thinking to formulate an execution strategy in line with the overall vision/ mission.
- Communication – honesty and transparency are core in effective communications to build strong and long-lasting relationships across different stakeholders.
- Problem solving – able to understand complex issues, breakdown into bite size and simplification mindset in finding solutions.
Languages
English
Bilingual or Proficient (C2)
Bahasa Melayu
Upper intermediate (B2)
Mandarin including dialects in Cantonese and Hokkien (conversational)
Elementary (A2)
Interests
- Travel: Aiming to explore 100 countries.
- Culinary Arts: Experimenting with a new recipe weekly.
- Minimalism: Embracing a more organized lifestyle.
References
Available upon request
Timeline
Executive Director, Expert Leader – Trade & Supply Chain Finance
Natixis DIFC Branch
2022.05 - 2023.08
Executive Director, Head of Global Trade, Middle East
Natixis DIFC Branch
2020.09 - 2022.05
Executive Director, Head of Trade & Treasury Solutions, Middle East
Natixis DIFC Branch
2019.07 - 2020.08
Director, Trade & Treasury Solutions, Middle East
Natixis DIFC Branch
2015.09 - 2019.07
Director, Head of Trade Products, Product Management, Transaction Banking
Standard Chartered Bank
2013.05 - 2015.07
Director, Trade Product Management, Transaction Banking
Standard Chartered Bank
2011.10 - 2013.04
Asst. Director, Product Management, Transaction Banking
Standard Chartered Bank
2009.10 - 2011.10
Vice President, Product Management, Treasury and Trade Solutions
Citibank
2008.09 - 2009.09
Vice President, Receivable Finance
HSBC Bank
2008.05 - 2008.09
Vice President, Product Management, Trade Services
HSBC Bank
2007.04 - 2008.05
Assistant Vice President, Business Development, Trade Services, Central region
HSBC Bank
2006.03 - 2007.04
Trade Services Manager
HSBC Bank
2004.12 - 2006.03
Relationship Manager
HSBC Bank
2004.06 - 2004.12
Bachelor of Commerce -
University of Melbourne