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Ms. Ryan Villaroman has over 14 years of professional experience across the Electronics and Insurance industries. Currently she is a Senior Business Ofﬁcer for Performance Management in the Ofﬁce of the CEO at Takaful Emarat, one of the largest Takaful Insurers in the United Arab Emirates. Ms. Villaroman is responsible for overseeing the development and execution of the Balanced Scorecard in coordination with Executive Management. She played a key role in developing competency frameworks behavioural and technical and linking them to the performance cycle. Ms. Villaroman received her Bachelors Degree in Business Administration from the University of Batangas in the Philippines.