Charmaine Tay

Senior consultant with 5 years of experience driving end-to-end digital transformations across business, technology, process, and people for clients across APAC. Skilled at translating complex business problems into analytical solutions from AI-led data pipelines and predictive models to BI dashboards and agile delivery, so as partnering with stakeholders from data owners to C-level executives. Recognised for outstanding individual performance and a proven record of building lasting client capabilities at scale.

Senior Implementation Specialist at Oliver Wyman Pte Ltd (2025-01 – 2026-05)

Sectors: Consumer, Industrials & Services

• Shaped and drove end-to-end digital transformations across Consumer and Industrials sectors, partnering with C-suite executives and Partners to define strategic objectives and translate them into implementation-ready analytical solutions.
• Led end-to-end tech delivery for a major retail client's full analytics solution lifecycle from requirements, development to deployment, stakeholder sign-off and capability handover, serving as the single point of accountability across business and technology.
• Developed scalable Databricks pipelines, advanced SQL-based data models, and Power BI dashboards that delivered actionable insights to client trading and buying teams.
• Drove functional requirement-gathering workshops and UAT sessions with 50+ users, driving fast solution adoption within client teams.
• Recognised with kuOWs Award (July 2023) for outstanding individual project performance.

Client Success Analyst at Oliver Wyman Pte Ltd (2023-01 – 2024-12)

Sectors: Consumer, Industrials & Services

Consulting Analyst at Avanade Asia Pte Ltd (2022-05 – 2022-11)

Joint venture of Microsoft & Accenture | Sectors: Financial Services Insurance, Public Sector Tax

• Managed a team of 5 business analysts in setting workstream priorities, coaching team members, and driving delivery from functional requirement elicitation through to System Integration Testing (SIT) and client sign-off.
• Delivered product demonstrations and recommendations to senior client stakeholders in large-format settings, communicating complex technical solutions as clear, business-focused outcomes.
• Produced Use Case and UI specifications within tight agile sprints, collaborating across business and technology workstreams to ensure practical, user-centred, and implementable solution designs.
• Reported project progress, effort estimates, and delivery timelines to leadership, enabling data-driven resource allocation and proactive risk management.
• Recognised with Recognition Award (Aug 2022) for top individual performance on Avanade's flagship client engagement.

Senior Associate at Avanade Asia Pte Ltd (2021-07 – 2022-05)

Joint venture of Microsoft & Accenture | Sectors: Financial Services Insurance, Public Sector Tax

Lead Business Analyst — SMU x CitiVentures Innovation Lab at Citibank Singapore Limited (2020-08 – 2020-12)

Sector: Financial Services Retail Banking

• Developed and delivered an AI-powered consumer segmentation and digital marketing platform — applying regression and clustering algorithms, and building predictive credit scoring models via Python, to drive more targeted retail banking strategies.
• Formulated and tested analytical hypotheses on customer behaviour using sentiment analysis models, translating data insights into actionable product recommendations for client leadership.
• Led client-facing requirement-gathering workshops and demo sessions, effectively communicating complex model outputs to non-technical stakeholders.

Bachelor of Science in Business Analytics & Financial Technology – Singapore Management University — School of Computing & Information Systems (2017-08 – 2021-05)