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Joyce Ng is the Chief Operating Officer at Fraxtor Singapore, where responsibilities encompass finance, operations, and legal compliance, with a focus on integrating finance and technology since January 2017. Previously, Joyce served as a Relationship Manager in Corporate Banking at Sumitomo Mitsui Banking Corporation (SMBC) Asia Pacific from 2008 to 2011, and in Enterprise Banking at OCBC Bank from December 2004 to July 2007, both roles emphasizing relationship and credit risk management. Early career experience includes a graduate trainee position in Credit Risk Management, collaborating with the Chief Credit Risk Officer and gaining comprehensive exposure across various sections of the Credit Risk Department. Education credentials include an Honours degree in Applied Economics from The Australian National University, completed in 2004, and A Levels from National Junior College, Singapore.