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Founder (INY DIGITAL / FINTECH)
Two decades. Three continents. One consistent outcome: banking platforms that work at scale, hold up under regulatory scrutiny, and outlast the teams that built them. I'm a hands on technology executive and architect with deep roots in digital banking, transformation,cloud, data, and cybersecurity. I build and scale technology organisations that make banking work for people who've never had it. As Founder & CEO/CTO of Inypay, I'm building an AI-powered neobank serving Retail and SME customers across Southeast Asia — architecting every layer from cloud infrastructure and core banking to fraud, compliance, and personalised AI experiences. My focus is on platforms that are secure by design, scalable by default, and built to satisfy regulators before they ask. My career spans 20+ years leading technology transformations across tier-one banks, telecom operators, and digital-first financial institutions in Southeast Asia and India. As Group CTO/CIO and founding team member at Tonik Digital Bank — the Philippines' first licensed digital bank — I led the full Engineering and technology build-out: cloud strategy on AWS and Google Cloud, core banking in Azure Cloud, open banking via Apigee, digital channels, data lakes, AI analytics, and security architecture. I worked directly with regulators and auditors from day one, ensuring every architectural decision held up to scrutiny. What I've built and led: -Cloud-native banking platforms (AWS, GCP, Azure) with enterprise-grade security and observability -Open banking and API ecosystems at scale -Core, Card, payments, AML, eKYC, LMS, and fraud prevention platforms -DevSecOps, data engineering, and AI/ML pipelines -SOC and cybersecurity programmes aligned to MAS, BSP, and regional regulatory frameworks -High-performance engineering teams across distributed, cross-cultural environments I've worked with institutions inclu
Emeritus
Postgraduate Diploma in Innovation and Design Thinking
June 1, 2021 – Present
Harvard Business School
Economics for Managers, Economics
January 1, 2021 – Present
Murdoch University
Master of Business Administration - M.B.A, Business
April 1, 2019 – February 1, 2022
Bharathiar University
Master of Computer Applications - MCA
January 1, 2001 – January 1, 2004
University of Madras
B.Sc, Mathematics
January 1, 1997 – January 1, 2000
inypay
Founder (INY DIGITAL / FINTECH)
September 1, 2022 – Present
Singapore
inypay
Founder / CEO (INYPAY / SME Neo Bank)
May 1, 2022 – May 1, 2024
Singapore
tonik
Group Chief Technology Officer ( CTO / CIO / CISO ) , Retail Digital Bank
March 1, 2019 – August 1, 2022
Singapore · On-site
Capgemini
IT Director (Digital Transformation)
February 1, 2018 – March 1, 2019
Singapore
Tagit Pte Ltd
Associate Director, Products and Solutions sales
September 1, 2017 – January 1, 2018
Tagit Pte Ltd
Enterprise Architect , Products, Services and Solutions Sales (Digital Banking Transformation )
January 1, 2015 – August 1, 2017
Tagit Pte Ltd
Senior Solutions Architect, Services & Presales
January 1, 2013 – December 1, 2014
Tagit Pte Ltd
Solutions Architect, Services & Presales
June 1, 2011 – December 1, 2012
GalaxE Solutions
Architect (SOA), Services
April 1, 2010 – June 1, 2011
Flextronics
Senior Developer (SOA - Technical / Delivery Lead), Services
August 1, 2008 – April 1, 2010
Sapient
Senior Associate Technology (SOA), Services
August 1, 2007 – September 1, 2008
IBM
System Engineer, Services (IBM GS)
February 1, 2007 – September 1, 2007
AVAYA GlobalConnect
Software Engineer , Services
March 1, 2006 – February 1, 2007
(BaaN ERP R&D, SSA Global) acquired by Infor
Associate Software Engineer, Products
December 1, 2003 – February 1, 2006
CPIDR-Certified Payment Security Incident,Detection and Responder
SISA
June 23, 2026 – Present
SPOAC - SCRUM PRODUCT OWNER ACCREDITED CERTIFICATION
scrum-institute.org
June 23, 2026 – Present
CLOUDF - CLOUD COMPUTING FOUNDATION
EXIN
June 23, 2026 – Present
ITIL V3 F - ITIL® V3 FOUNDATION CERTIFICATION
EXIN
June 23, 2026 – Present
ACCREDITED PROJECT MANAGER
International Organization for Project Management™ (IO4PM™)
June 23, 2026 – Present
SMAC - SCRUM MASTER ACCREDITED CERTIFICATION
scrum-institute.org
June 23, 2026 – Present
CERTIFIED SIX SIGMA GREEN BELT - CSSGB
International Six Sigma Institute™
June 23, 2026 – Present
ACA - AVAYA Certified Associate For Interaction Center / Interactive Voice Response
Avaya
June 23, 2026 – Present
ACCREDITED PROGRAM MANAGER
International Organization for Project Management™ (IO4PM™)
June 23, 2026 – Present
SSEAC - SCALED SCRUM EXPERT ACCREDITED CERTIFICATION
scrum-institute.org
June 23, 2026 – Present
Apigee Trained API Operations Engineer
Credly by Pearson
June 23, 2026 – Present
Advanced Certification in Digital Lending
The Digital Fifth
June 23, 2026 – Present
TOGAF 9 Level 1 & 2
The Open Group
June 23, 2026 – Present
IBM Certified Specialist"DB2 UDB V6.1/V7.1 User".
IBM
June 23, 2026 – Present
TIC CIU Certified Security Associate (TCCSecA)
Technology Innovation Center CIU
June 23, 2026 – Present
OnBoard Core Infrastructure - Google cloud platform
ROI Training
June 23, 2026 – Present
Scrum Fundamental Certified - SFC
Vabro.ai and VMEdu.com (Scrum/Kanban/AI/Business Analysis/OKRs/Six Sigma/Sales and Marketing etc.)
June 23, 2026 – Present
Six Sigma Yellow Belt Professional (SSYB)
6SigmaStudy
June 23, 2026 – Present
IBM Certified Specialist “IBM Web Sphere Studio Application Developer for Windows V4.0.3" (WSAD).
IBM
June 23, 2026 – Present
ASF - Agile Scrum Foundation
EXIN
June 23, 2026 – Present
Advanced Certification in Digital Banking
The Digital Fifth
June 23, 2026 – Present
Certification in cyber security for financial institution
The Digital Fifth
June 23, 2026 – Present
Cultural Fit Analysis
The candidate's experience as a founder and CTO in fast-paced FinTech startups (inypay, Tonik) suggests a strong fit for innovative, growth-oriented cultures. Their extensive certifications and continuous learning demonstrate a proactive and adaptable mindset. However, the target role is 'Software Engineer', which is a significant mismatch with their executive-level experience. While technically proficient, their career trajectory is heavily skewed towards leadership, strategy, and business development rather than hands-on software engineering. This could lead to a cultural mismatch if the role requires primarily coding and individual contribution.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership, strategic thinking, and execution capabilities, evidenced by their roles as Founder/CEO and Group CTO. Their experience in building teams and managing complex projects suggests excellent operational fit for senior technical leadership roles. The focus on financial inclusion and building solutions for underserved markets indicates a mission-driven approach.