Mr. Tan Hai Liang, a Certified Credit Professional with a Bachelor's in Business & Commerce from Monash University, has 14 years of experience in banking and finance. He has held roles at MetaFI Consultants, OCBC Bank Malaysia, and Danajamin Nasional Berhad, managing RM5.5 billion in bond programs. He is now Co-founder and Executive Director at BilaBila Mart, focusing on business development.