Minterest Group

The Minterest Group is a digital financial services solutions provider to international clients and global investors. It was founded on the belief that everyone can gain access to financial and investment solutions that meet their individual requirements and objectives.

We focus on providing quality, diversified and well-structured investment opportunities to our investors while delivering relevant and appropriate financial solutions to both our corporate and consumer clients. With ARA being a major shareholder in the Minterest Group, we unlock institutional-grade real estate investment opportunities to our retail and accredited investors. 

Minterest Group

Our Strategic Shareholders

We are backed by industry-recognised leaders, who combine their strong track record in real estate with our robust digital platform to unlock institutional-grade real estate investment and corporate investment opportunities.

ara logo

ARA and its Group CEO, Mr. John Lim, took a significant stake in the Minterest Group. ARA Asset Management Limited is a leading APAC real assets fund manager with a global reach. As at 30 June 2020, Gross Assets Managed by ARA Group and its Associates is S$110 billion across 28 countries.

Our Board of Directors

Ng Beng Tiong

Ng Beng Tiong

Chairman

Lim Cheng Teck

Lim Cheng Teck

Vice Chairman

Charis

Charis Liau

Executive Director & CEO

Ronnie

Ronnie Chia

Executive Director & COO

Janice

Janice Koh

Executive Director & CCO

Our Advisory Board

John Lim

Chairman

Michael Benz

Advisor

Keng Teik Koay

Advisor

Our Board of Directors

Ng Beng Tiong

Ng Beng Tiong

Chairman

Lim Cheng Teck

Lim Cheng Teck

Vice Chairman

Charis

Charis Liau

Executive Director & CEO

Ronnie

Ronnie Chia

Executive Director & COO

Janice

Janice Koh

Executive Director & CCO

Our Advisory Board

John Lim

Chairman

Michael Benz

Advisor

Keng Teik Koay

Advisor

Empowering Investors and Businesses

Minterest connects corporate clients with investors to meet each other's financing and investment objectives. We aim to build tomorrow’s financial eco-system – one that serves rather than rules. With our proprietary credit algorithm, Minterest aims to bring financial inclusion to all businesses and enable Investors to access quality investments to enhance your investment portfolio.

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Personal Finance Made Easy

Minterest Money delivers bespoke and personalised financing costs to each individual borrower, instead of a one-size fits all pricing. We believe that each individual should pay only for her or her own financing cost, your education and personality counts - they can help you get better rates. Using our psychometric test, consumers can get interest rates from as low as 0.55% per month.

More About Minterest Money >

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Ng Beng Tiong
Ng Beng Tiong

Chairman​

Beng Tiong is currently the Assistant Group Chief Executive Officer (CEO) cum Group Chief Operating Officer (COO), and a member of the Group CEO Office.

Prior to joining the ARA Group, he was the Finance Director of Low Keng Huat (Singapore) Ltd, a property, construction and hotel group listed on the SGX-ST and a Director of Stone Forest M&A Pte. Ltd., a mergers and acquisitions advisory company. Beng Tiong began his career with DBS Bank Ltd in 1989, initially as a corporate banker and subsequently as an investment banker.

He holds a Master of Engineering (Software Engineering) (First Class Honours) from Imperial College, London and is a CFA charterholder as well as a member of the Singapore Institute of Directors.

Lim Cheng Teck
Lim Cheng Teck

Vice Chairman

A banking veteran, Cheng Teck was the Vice-Chairman of ASEAN, Standard Chartered Bank before retiring in May 2017.

He has more than 30 years of international banking experience and has held various roles within Standard Chartered, including Regional Chief Executive of ASEAN, Chief Executive of Singapore, Executive Vice Chairman and Chief Executive of Standard Chartered Bank (China) Limited.

Cheng Teck currently serves on the advisory board of Sim Kee Boon Institute for Financial Economics (Singapore Management University), on the board of Special Needs Trust Company Limited (SNTC) and is presently Chairman of Bright Vision Hospital. He has an MBA from Brunel University London, and a BA in Economics from the Nation al University of Singapore.

Charis
Charis Liau

Executive Director & CEO

Charis has more than 20 years of banking and financial experience in the Asian markets with an international bank. Charis is instrumental in leading, driving and delivering on the Group’s business strategy and initiatives, overseeing the group’s funding, technology innovation and geographic expansion. 

She specialises in structured and asset finance, corporate lending and relationship management. Her understanding of how companies deliver on objectives and her strong knowledge of financial management has been invaluable to her numerous clients. Her banking experience is complemented with work on a range of fund-raising projects for SMEs prior to founding Minterest. 

 

Charis currently serves on the Alumni Advisory Board of Nanyang Business School, Nanyang Technological University, as well as on the Marketplace Lending sub-committee of the Singapore Fintech Association.

Charis holds a Fintech Certificate in Future Commerce from Massachusetts Institute of Technology, has a Bachelor’s Degree in Accountancy (First Class Honours) from Nanyang Technological University, Singapore and is a Chartered Financial Analyst (CFA) charter holder from the CFA Institute. 

Ronnie
Ronnie Chia

Executive Director & COO

Ronnie has over 30 years’ experience specialising in corporate and structured finance at international banks, and finance and taxation matters at a conglomerate and an accounting firm.

His experience on “both sides” puts him in a unique position to understand both borrower and investor objectives. A deep understanding of, and broad experience in, financing requirements allows Ronnie to analyse and deliver on the decision making process through a balanced risk-reward approach.

He started and led numerous global businesses at an international bank where he was responsible for business performance and managing loan standards and portfolios. Ronnie graduated from the University of Canterbury, New Zealand with a Bachelors of Commerce Degree.

Janice
Janice Koh

Executive Director & CCO

Janice has more than 15 years of experience in the banking and finance industry, specializing in management consultancy and corporate development.

Prior to joining Minterest, she was the Chief of Staff & head of corporate development at Noah Holdings, a leading wealth and asset management service provider. She has also had over 14 years of experience at McKinsey & Company, a global management consultant firm.

Janice holds a MBA in business administration from the National University of Singapore.

John Lim

Chairman

John has more than 30 years of experience in the real estate industry and has received many notable corporate awards. He is currently the Group Chief Executive Officer and Executive Director of ARA Asset Management Limited. He is a Non-Executive Director of ARA Asset Management (Fortune) Limited, ARA Trust Management (Suntec) Limited, ARA Asset Management (Prosperity) Limited and Hui Xian Asset Management Limited.

John also holds numerous other positions including Chairman of Suntec Singapore International Convention & Exhibition Services Pte. Ltd as well as Chairman of the Asia Pacific Real Estate Association.

John holds a Bachelor of Engineering (First Class Honours) in Mechanical Engineering, a Master of Science in Industrial Engineering, as well as a Diploma in Business Administration, each from the National University of Singapore.

Michael Benz

Advisor

Michael is a Fintech advisor, Technology investor and Wealth Management consultant to leading banks in Asia and globally. He has over 20 years’ experience in leading global firms in Zurich, Singapore and Hong Kong. He is a specialist in Wealth Management business models, Investment and Risk Management with focus on application of innovative and transformative digital technologies. He also has direct experience in accelerated growth and transformation of wealth management businesses.

He is presently a Senior Advisor for Synpulse Management Consulting, a Swiss technology consulting firm focused on Wealth Management and Insurance Companies, as well as for various Fintech ventures in the areas of Wealth, Investment and Risk Management. Prior to this he was global and APAC CEO of various Wealth Management firms, Global Head of Standard Chartered Private Banking, APAC Head of Merrill Lynch Wealth Management and APAC head of Products and Services in UBS.

Michael holds an MBA from St. Gallen Business School in Switzerland as well as a PhD in Financial Economics from University of St. Gallen.

Keng Teik Koay

Advisor

Keng Teik is currently Chief Financial Officer of BasisAI, a leading artificial intelligence company, funded by Temasek and Sequoia, where he is responsible for fund raising, finance operations, business development and investor relations. Prior to this, he was the CFO at JustCo, a leading co-working company in Asia with 40 co-working sites in 7 countries, where he helped raise c. US$250M from GIC, Frasers Property and Daito Trust, and spearheaded geographic expansion from 3 countries to 7 markets.

Prior to JustCo, Keng Teik held several key roles with Standard Chartered Bank where he spent 7 years. He was the Managing Director, Head of Southeast Asia for Financial Institutions Group (FIG) Investment Banking where he led FIG coverage, origination and execution of M&A and capital market transactions for financial institutions in South East Asia (2014 – Jan 2018) and led FIG coverage in China (2011 – 2014). Prior to that, Keng Teik 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 (2000 – 2001).

Keng Teik has also acted as special advisor to other fintech companies including CXA and Mula X. Keng Teik holds an MBA dual concentration in Finance and Management from Columbia University, New York. He also has a Master of Science in Economics and Bachelor of Science in Economics from London School of Economics and Political Science, UK.