About Us
Who are We?
We are on a purpose driven mission to enable fair finance for the underserved communities in Thailand and Greater Mekong sub region. We will do this through a digital ecosystem which will enable these communities to seamlessly connect, learn and interact.
What will we stand for?
We are a for profit organisation, doing business with the highest amount of integrity and fairness. We strive to improve lives through knowledge. Thus our core values are: Integrity, Fairness and Learning.
Committed to Access
We have developed an end to end digital lending platform underpinned by alternative data and AI/ML credit scoring methods and world class infrastructure technologies
Our Key Team
Lyn Kok
Ray Duggins
Ray Duggins
Lyn has over 30 years of banking experience, across 9 countries. Her last posting was as President & CEO of Standard Chartered Bank (Thailand) from which she oversaw 5 countries, ie. CLMV and Thailand. A passion to make a difference, she has initiated market entry into several new markets and products for Standard Chartered Bank. More recently she is an investor and advisor to several tech starts ups.
Ray Duggins
Ray Duggins
Ray Duggins
Ray has 30+ years experience in consumer lending. Ray worked at American Express, Standard Chartered Bank and GE Capital's consumer business. At both GE Capital and Standard Chartered, Ray was Global Chief Risk Officer. More recently he is CRO with Octane Lending, a disruptive power sports financier in the USA.
Mark Archer
Ray Duggins
Phisit Sucharitsopit
Mark has over 30+ years experience in consumer lending risk. He has served as Standard Chartered Bank Global Chief Operating Officer, Consumer Banking Risk. Previously, as Senior Vice President at Morgan Stanley/Discover, he oversaw collection operations, authorization risk and fraud strategy across a multi-billion dollar credit card portfolio. He has also spent more than 20 years at General Electric, his last posting as Chief Risk Officer, Asia.
Phisit Sucharitsopit
Phisit Sucharitsopit
Phisit Sucharitsopit
Phisit has over 25 years of experience in financial services sector, with focused expertise in IT systems and transactional banking products at IBM, Citibank, JP Morgan, Standard Chartered and CIMB. At Citibank and JP Morgan, Phisit coverage expanded across Asia Pacific and most latterly, Phisit had a management role as Head of Transaction Banking Group at CIMB (Thai) and Head of Cash Management Services at Standard Chartered Bank (Thai).
Jarumanee Nakasiri
Phisit Sucharitsopit
Jarumanee Nakasiri
Jarumanee (Cherry) has over 20 years of banking experience. After obtaining MBA from Darden School of Business, University of Virginia under BOT scholarship, she spent 7.5 years in Reserve and Risk Management at BOT. In the last 13 years, Jarumanee experience span covers corporate and business strategy and planning both at Standard Chartered and Siam Commercial Bank, covering all segments including retail, SME and corporate. She was also the project lead for Standard Chartered's Financial Crime Risk Mitigation Programme in Thailand, Myanmar, Laos & Cambodia.
Bruce Ogden
Phisit Sucharitsopit
Jarumanee Nakasiri
Bruce has close to 30 years of retail banking experience, including 16 years in retail risk management. Bruce has worked across 3 geographies, with Standard Chartered Bank, Citibank and American Express. His expertise are in areas of risk data analytics, risk management and collections strategies. Most recently Bruce was at UOB (Thailand) where as Head of Risk and Decision Management, he was responsible for performing analysis, segmentation and modelling for the retail and SME lending portfolios, which included leveraging internal big data and third party data sources to maximize opportunity for predictive risk decisions.
Ittichai Kojorntanakit
Ittichai Kojorntanakit
Ittichai Kojorntanakit
Ittichai (Itt) was most recently a strategic investment manager at Siam Commercial Bank. A graduate of University of Chicago with a Masters of Science, Financial Mathematics and Thammasat University, Itt, a talent for Siam Commercial Bank has spent the last 9 years in various roles, starting as a management trainee at Siam Commercial Bank.
Key Advisors
Banphot Hangthong
Banphot Hongthong is a businessperson who has been at the head of 5 different companies. Currently, Mr. Hongthong holds the position of Chairman for Exotic Food Public Co. Ltd., Chairman at Dhipaya Life Assurance Public Co. Ltd. and Chairman for Chumporn Palm Oil Industry Public Co. Ltd. In the past Mr. Hongthong held the position of President at Royal Automobile Association of Thailand, Member of National Legislative Assembly, Independent Board member of Standard Chartered Bank (Thai) Public Co. Ltd., Director General-Export Promotion Department and Intellectual Property Department at Thailand Ministry of Commerce, Director General of Office of Insurance Commission, Director-Renovation Project at Thai Pueng Thai Foundation and Member of Rajamangala University of Technology Isan. Mr. Hongthong received an undergraduate degree and a graduate degree from Northeastern University.
Simon Gerovich
Simon Gerovich is currently Chairman of Red Planet Hotels and previously founded Evolution Capital PLC, a real estate private equity firm listed on the Stock Exchange of Thailand. Simon is also Founding Partner of MMXX Capital Limited, a digital asset investment management firm. Simon has been active in private equity and real estate ventures in South East Asia and in this regard he served on the boards of several listed public companies in Japan and Thailand. Being a fluent Chinese and Japanese speaker, he has spent his entire professional career in Asia. Simon was formerly an Equity Derivatives Trader at Goldman Sachs in Tokyo from 2000 to 2005. He graduated with a BA, cum laude, in Applied Mathematics from Harvard University in 2000.
Keng Teik Koay
Keng Teik Koay is Chief Financial Officer of BasisAI, a leading artificial intelligence company in the region, funded by Temasek and Sequoia, where he is responsible for fund raising, finance operations, business development and investor relations. Before joining BasisAI, he was the CFO at JustCo, a leading co-working company in Asia with 40 co-working sites in 7 countries, where he helped JustCo to raise US$250M funding from GIC, Frasers Property and Daito Trust, and spearheaded its geographic expansion from 3 countries to 7 markets. Prior to this, Keng had an investment banking and management consulting career spanning more than 15 years. He was Managing Director with Standard Chartered Bank, responsible for origination and execution of M&A and capital market transactions for financial institutions in the region. Keng had also held senior roles with Bain & Company, Boston Consulting Group and Credit Suisse. He was also previously an important member of the founding team of Growasia.com; Asia’s first on-line investment bank.
Keng Teik holds a MBA from Columbia University, New York, a Master of Science in Economics and Bachelor of Science in Economics from London School of Economics and Political Science, UK
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Ashish Sharma
Ashish Sharma has over 20 years of experience in financial services and management consulting across several functions and geographies including the US, Singapore, Thailand, Vietnam and Indonesia. Ashish’s prior experience includes Strategy Consulting at McKinsey & Company and equity research at Sanford Bernstein and TIG Advisors. More recently, he was head of Commercial Banking in Thailand for Standard Chartered Bank and Head of Transformation at Techcombank (Vietnam) . Ashish holds an MBA in Finance from New York University Stern School of Business and a BS in computer science from Massachusetts Institute of Technology.
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