After over 10 years in retail banking at leading international banks and consumer finance companies, Tat made the life-changing decision to give up a stable career to join a young fintech start-up as the first employee. Driven by his ambition to contribute to society, he joined WeLab, a fast-paced company with a youthful and energetic vibe and culture.
Tat has always been one of the t-shirt and jeans-wearing employees, willing to get his hands dirty to do all kinds of work, whether significant or trivial. He currently holds the position of Alternate Chief Executive and Executive Director at WeLab Bank. “Seven years on and I’ve kept the same mindset since the beginning – to push myself to build experiences customers will love. Now we’ve moved onto a new chapter, and I’m striving to do the same by building a bank that our customers love. Starting something from scratch again is always challenging but I’m fuelled by my desire to bring value to society. WeLab has always wanted to deliver innovation and create game changing technology that will improve lives, and bring joy to everyone’s financial journey.”
Tat loves to share his fintech knowledge with younger generations and encourage more HKUST students and alumni to join this rapidly growing sector. “Get comfortable with being uncomfortable” is one of his favourite quotes and he always recommends others to step out of the comfort zone and do things differently.
WeLab is a leading fintech company in Asia and operates one of the first virtual banks in Hong Kong. Founded in 2013, WeLab uses game-changing technology to help customers access credit, save money, and enjoy their financial journey. Currently, WeLab serves over 42 million users and 300 enterprise customers across Hong Kong, Mainland China, and Indonesia. Powered by proprietary risk management technology, patented privacy computing techniques and advanced AI capabilities, WeLab offers mobile-based consumer financing solutions and digital banking services to retail individuals. The company also offers B2B enterprise solutions by partnering with traditional financial institutions, which utilize WeLab’s technology to offer fintech-enabled services to their customers.
WeLab was named in a KPMG-sponsored report as one of the top 100 FinTech companies in the world – #7 in China and #23 globally – and was ranked by Deloitte as the #1 fastest growing tech company by revenue in Hong Kong and #4 in China. WeLab’s investors include Malaysian sovereign wealth fund Khazanah Nasional Berhad, CK Hutchison’s TOM Group, International Finance Corporation (a member of the World Bank Group), Alibaba Entrepreneurs Fund, China Construction Bank (International), Sequoia Capital and ING Bank.
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