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Tam Pham is the Regional Head of Lending Operations at Grab Financial, where they have architected a Citizen Development culture that empowers staff to leverage low-code platforms for automation and product development. Tam's career includes significant leadership roles in operations and project management across major organizations, such as directing flagship projects at HSBC Vietnam and leading operations at Mekong Development Bank. With a Master’s degree in Computer Science from the University of Illinois at Urbana-Champaign and extensive experience in both corporates and start-ups, Tam has demonstrated a strong ability to drive exponential growth and enhance operational efficiencies in the financial services sector. They previously oversaw operations at iCare Benefits and served as Director of Support Services at Cau Dat Farm.