At Tonik, we’ve built a lending-first, AI-driven bank with industry-leading margins and cash flow positive as of Q1 2026. Backed by Insignia, Mizuho Bank, Peak XV (ex-Sequoia), and Point72, and with $150M+ raised, we’re attacking a $100B consumer credit gap through:

• AI-driven underwriting built for thin-file, mass-market borrowers

• B2B2C ecosystem distribution across payroll and storefront lending

• Digital-first ops that scale inclusion without scaling cost

I’ve spent 20+ years building banks and fintechs across emerging markets — Credolab, Platinum Bank, FLOW, AsiaKredit, FORUM — always with the same obsession: how to get fair, accessible credit into the hands of people who’ve historically been locked out.

Lived in 8 countries. Built and sold companies. Skippered a 63-ft sailboat across Asia. Still make music (yes, on Spotify).