Fintech

  • The Rarest Answer

    I asked 14 engineers their career goals this week. More than half said management or team lead within two years. One candidate (currently supervising two junior developers) told me his goal was to lead a large engineering team within two years. I get the instinct. Management looks like progress. Bigger title, more authority, cleaner…

  • What a Promise to Pay Is Worth

    A debtor sends a WhatsApp message. “I’ll pay you on Friday.” In a manual collections process, that message gets logged. An agent marks the account. Someone follows up on Saturday. Often, nobody follows up at all — because there are 200 other accounts and Friday’s promises pile up with no system tracking them. In…

  • The Push-Back That Wasn’t About Being Right

    A candidate told me about the day his manager wanted to push a feature straight to production. Tight deadline. Skip the review. Skip the tests. Get it live. He didn’t say no. He came back with a feature flag, a controlled rollout that would let them test with a limited group of users before…

  • The AI Tell

    Six months ago we made AI use mandatory for every engineer at Ara Pay. Not encouraged. Mandatory. So I started asking every candidate the same question: how do you actually use AI day to day? Most talk about Copilot autocomplete. Some mention generating scaffolding or writing tests faster. That’s fine. But occasionally someone answers…

  • The Word Everyone Uses

    I asked 19 engineers in 5 days what their biggest professional strength was. Twelve said ownership. After the twelfth time I stopped keeping count. But I started listening more carefully to what came after the word. One candidate described a production deployment that had loaded incorrect data. He worked overnight, pushed a clean release,…

  • How Business Models Drive Ethics (Whether We Like It or Not)

    How Business Models Drive Ethics (Whether We Like It or Not)

    We spend so much time debating whether companies like OpenAI and Facebook, or their leaders, are “good” or “bad.” We should change the narrative and ask: What are the core revenue drivers? How is the focus on exponential growth through these drivers shaping behavior? In the absence of impossibly high corporate governance standards, business…

  • Why I Was Fighting the Wrong Battles in Negotiations

    Why I Was Fighting the Wrong Battles in Negotiations

    As a founder, getting back up when my legs were swept from under me became second nature during my startup journey. Prospects ghost, customers delay payments, investors pass on your round (without saying it) – and somehow it’s only 3 pm on a Tuesday. These constant challenges bred a protective coping mechanism that emerged…

  • The Hidden Struggles of our Lending Clients

    The Hidden Struggles of our Lending Clients

    In a recent post, I explored my journey from feature sales back to customer pain points. Like Marty, I went Back to the Future and felt one installment wasn’t enough. Why? Because the vulnerability these leaders showed deserves a platform. It lifts the curtain on working culture in Malaysia with some hard data to…

  • From Ghosting to Growth

    From Ghosting to Growth

    Once upon a time, I did one of those flimsy online personality tests and was diagnosed with a “67% judgemental personality”. It was spot on and in order to not “wreck myself”, I go above and beyond to “check myself”. Despite my best efforts, it recently dawned on me that the 67% had gotten…

  • Debt Collection: Solutions vs. Features

    Debt Collection: Solutions vs. Features

    In the last two weeks, it felt like I was Neo from the Matrix, slowing down time after Q1 and dodging some bullets that commonly hit startups in the process. It hit (better yet grazed) me twice that I had 1) shifted – ever so slowly – towards selling features and not 2) taking…