Sandra Ernst, the current Head of Operations, Finance, and Compliance at CardUp, has an extensive background in finance and management. Graduated from prestigious institutions such as Durham University, The University of Edinburgh, and Frankfurt School of Finance & Management, Sandra has worked in various capacities in her career and achieved great success. Before joining CardUp, she was the Founding CEO of P2P Lending and Invoice Financing Company at SmartFunding.sg, VP Investments at AREA Management Sdn Bhd, and Executive Islamic Capital Markets at Axis-REIT. Her impressive career also includes experience in different sectors such as Data Warehousing, Quality Management, and Cooperative Banking. Additionally, she has worked with prominent institutions such as United Overseas Bank, Citibank, Bank of China, and Mastercard during her tenure at CardUp. With her leadership skills, financial expertise, and operations management acumen, Sandra Ernst is an asset to any organization she works with.