Biswa is Group Chief Data Officer at Tonik Bank, the Philippines’ first fully digital bank. A seasoned analytics leader, Biswa has driven data strategy and transformation across Southeast Asia and the U.S., from heading data at fintech unicorns to shaping AI-powered products at Microsoft, PwC and Oliver Wyman. An alumnus of Northwestern University’s MS in Analytics program, he brings an interdisciplinary, collaborative approach to harnessing Big Data and Generative AI for real-world financial solutions. Passionate about data—and compassionate about people—Biswa is pioneering Tonik’s next wave of innovation in financial ecosystems.