Founder and President of PhilSmile, providing collection services to schools in the Philippines (bill payment, ERP, RFID ID, student loan credit scoring) since 2014, now serving schools representing 150,000 students.  Graduate from Master in Science of Management at ESSEC Business School, one of the top business school in Europe (2013). Work experience in payment & telco (TransferTo, Ingenico). Previous start-up in college, Banakae, to stream Japanese animation in France (2010-2011)