Empowering Investors and Businesses 

Leading the way through unlocking investment opportunities

Leveraging on our deep sectoral experience and proprietary credit risk models, Minterest delivers risk-adjusted returns to our growing base of investors through relevant investment products. We create economic opportunities that would otherwise be inaccessible to our investors.

Minterest

Who is Minterest?

Minterest is an award-winning digital investment platform founded in 2017. We combine the depth of the team’s financial expertise with the breadth of financial technology into building tomorrow’s financial eco-system – one that serves rather than rules.

Minterest is regulated by the Monetary Authority of Singapore, and holds a Capital Markets Services License to deal in securities under the Securities and Futures Act.

Our Mission

Our mission is to deliver a financial ecosystem that achieves both our clients' and investors' financial goals.

We aim to democratize access into alternative investments and offer diversified investment opportunities across various asset classes such as institutional-grade real estate, corporate financing and structured solutions.

Our Belief

At Minterest, we believe in bringing financial inclusion to the unbanked and underserved businesses. As experienced former bankers, we believe we can turbocharge their businesses to bring their future to the present.

We also believe in enabling investors with financial knowledge and access to quality investments, offering them a path to financial empowerment.

Our Vision

To create a sustainable community, in which investors and businesses mutually benefit by collaborating and leveraging on innovations in financial technology. As a digital financial solutions provider, we combine a broad spectrum of innovative technologies with out team’s financial expertise to overcome existing real world financial shortcomings.

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.

Incorporated in 1887, The Straits Trading Company Limited (STC) is a conglomerate-investment company with diversified operations and financial interests internationally. From its early years as the world’s largest tin producer in the 1880s, STC has successfully transformed itself into a major player in real estate, hospitality and resources under the leadership of Ms Chew Gek Khim, who is also SDAX Financial Group’s non-Executive Director. Ms Chew brings with her a wealth of experiences to SDAX, and sits on various Boards, including that of Singapore Exchange Limited.

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.

Incorporated in 1887, The Straits Trading Company Limited (STC) is a conglomerate-investment company with diversified operations and financial interests internationally. From its early years as the world’s largest tin producer in the 1880s, STC has successfully transformed itself into a major player in real estate, hospitality and resources under the leadership of Ms Chew Gek Khim, who is also SDAX Financial Group’s non-Executive Director. Ms Chew brings with her a wealth of experiences to SDAX, and sits on various Boards, including that of Singapore Exchange Limited.

Our Team

People matter. Our dedicated and experienced management team with combined 200 years of expertise in finance, law and technology speaks for the quality of the business. Our team ensures that the needs of both investors and businesses at the heart of the solutions we deliver on our platform.

Charis Liau

Executive Director & CEO

Ronnie Chia

Executive Director & COO

Sharon Sng

CCO

Kuan Keng Seng

Kuan Keng Seng

Head of Credit Risk

Stephanie Luo

Legal Counsel

Arnold

Arnold Lim

Client Ambassador

Rick Tan

Client Ambassador

Ron

Ron Lim

Associate

Timothy Quek

Associate, Origination

Wayne Tan

Junior Analyst

Shermain

Shermain Chin

Analyst

Alvin Lim

Head of Investor Relations & Partnerships

Christine Yap

Associate Director, Investor Sales

Jenny Chua

Manager, Investor Sales

Sim Wei Fang

Head of Marketing

Andrea Lim

Marketing Communications Manager

Zhi Yi Low

Marketing Executive

Ao Xuan

Designer

Jia Yun Ong

Assistant Finance Manager

Fiona Tan

Accounts Executive

Gynn Wong

Office Manager

Narmeet Singh

Solution Architect

Sharaf Ibrahim

Technical Project Manager

Prasoon Bajpai

Senior Full Stack Developer

Divyanshu Gunjal

Product Owner

Zubair Ibrahim

Senior Back End Engineer

Boo Kenney

UI/UX Designer

Our Team

People matter. Our dedicated and experienced management team with combined 200 years of expertise in finance, law and technology speaks for the quality of the business. Our team ensures that the needs of both investors and businesses at the heart of the solutions we deliver on our platform.

Charis Liau

Executive Director & CEO

Ronnie Chia

Executive Director & COO

Sharon Sng

CCO

Stephanie Luo

Legal Counsel

Kuan Keng Seng

Kuan Keng Seng

Head of Credit Risk

Arnold

Arnold Lim

Client Ambassador

Rick Tan

Client Ambassador

Ron

Ron Lim

Associate

Timothy Quek

Associate, Origination

Wayne Tan

Junior Analyst

Shermain

Shermain Chin

Analyst

Alvin Lim

Head of Investor Relations & Partnerships

Christine Yap

Associate Director, Investor Sales

Jenny Chua

Manager, Investor Sales

Wei Fang Sim

Head of Marketing

Andrea Lim

Marketing Communications Manager

Zhi Yi Low

Marketing Executive

Ao Xuan

Designer

Jia Yun Ong

Assistant Finance Manager

Fiona Tan

Accounts Executive

Gynn Wong

Office Manager

Narmeet Singh

Solution Architect

Sharaf Ibrahim

Technical Project Manager

Prasoon Bajpai

Senior Full Stack Developer

Divyanshu Gunjal

Product Owner

Zubair Ibrahim

Senior Back End Engineer

Boo Kenney

UI/UX Designer

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Our Awards

Apac cio outlook logo
Asia Pacific’s Top 25 Fintech Company by APAC CIO Outlook 2017 & 2018

The APAC CIO Outlook Top 25 Fintech Companies features top fintech companies who provide robust safe and state of the art of fintech solutions. It aims to give a more comprehensive view of the fintech industry and to provide organisations with clarity in choosing their ideal fintech partners.

Best Peer-To-Peer Lending Platform - Singapore by Global Business Insight Awards 2018

The Global Business Insight Awards celebrate business leadership, innovation in finance and investment and sector success across all seven continents of the world.

30 best small companies to watch
30 Best Small Companies to Watch by The Silicon Review 2018

The companies listed on 30 Best Small Companies to Watch by The Silicon Review are known for their passion and commitment, ability to choose right employees and partners, customer centric approach and more over the ability to conduct business globally.

The 30 most influential entrepreneurs
The 30 Most Influential Entrepreneurs to Watch by Insights Success 2018

Insights Success has come up with this extensive list of The 30 Most Influential Entrepreneurs to Watch 2018. These exceptional men and women wearing their powerful personas over their suits have been transforming their respective industries.

dun bradstreet logo
Dun & Bradstreet Business Eminence Awards 2019

The Dun & Bradstreet Business Eminence Awards celebrate Singapore’s vibrant tradition of entrepreneurship. It is also to recognise and showcase the achievements of Singapore companies that are the critical cogs in shaping the business landscape in Singapore over the past year.

Top 50 Rising Startups in Southeast Asia 2020 by Tech in Asia

The Top 50 rising startups is an extensive list of tech companies generated annually. Using Tech in Asia's data, this list features startups and tech companies in Southeast Asia who have recently raised funding and are on path to being the next big thing.

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Our Partners

Our Partners

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.

More About Minterest >

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 >

Digital Asset Exchange

SDAX is a blockchain powered institutional grade digital assets exchange based in Singapore for the listing and trading of asset-backed digital securities, enabling asset owners, institutional and accredited investors to access a new world of fundraising and investment opportunities through the listing and trading of asset-backed digital securities.

More About SDAX >

Buy Now, Pay Later

Minterest Pay allows consumers to split the cost of their purchase over installments without interest fees, empowering consumers to better manage their cashflow.

More About Minterest Pay >

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.

More About Minterest >

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 >

Digital Asset Exchange

SDAX is a blockchain powered institutional grade digital assets exchange based in Singapore for the listing and trading of asset-backed digital securities, enabling asset owners, institutional and accredited investors to access a new world of fundraising and investment opportunities through the listing and trading of asset-backed digital securities.

More About SDAX >

Buy Now, Pay Later

Minterest Pay allows consumers to split the cost of their purchase over installments without interest fees, empowering consumers to better manage their cashflow.

More About Minterest Pay >

Get Started with Minterest

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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 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.

Sharon Sng

Chief Commercial Officer

Sharon has more than 20 years of investment banking and real estate experience; Starting her career first with American, then European investment banks, thereafter spending the next 6 years doing M&A deals as Corporate Finance Head for one of the largest real estate groups in South East Asia. Her last role as Indonesia Country Head saw her building a new development platform for the group, leading investments and JVs with strategic local partners.

Having worked with a wide range of clients and partners in Singapore, Indonesia, Malaysia & Vietnam, she has a deep understanding of business culture, building relationships and new businesses in the region. She is currently a member of the Advocacy & Research Committee within the Singapore Institute of Directors, and also serves on the General Credit Committee of a HK-listed company for it’s corporate restructuring, representing the interests of bondholders.

Sharon holds a Second Upper class Honours degree in Accounting & Finance from the London School of Economics and Political Science and is a Chartered Financial Analyst (CFA) charterholder from the CFA institute.

Kuan Keng Seng
Kuan Keng Seng

Head of Credit Risk

Kuan has over 30 years’ experience in commercial banking, both in front line business and credit risk management.

In his role as Head of Credit Risk, Commercial Banking in various established local and international banks, he was instrumental in setting up their credit risk department and in re-engineering credit risk management processes and architecture for the SME and local corporates segments.

Kuan swims and plays badminton regularly to stay fit. He is an ardent supporter of Liverpool football club.

Stephanie Luo

Legal Counsel

Stephanie is an English qualified solicitor with over 15 years’ experiences in corporate and principle finance. She previously worked with the top tier law firms and international banks in London and Hong Kong. While working as in-house counsel, her main coverage included corporate and structured finance, project finance, M&A advisory, leverage finance, asset finance, distressed assets management and proprietary investments in special situation assets.

Her broad exposure has elevated her acute sense of commerciality and enables her to advise on solutions, achieving the win-win position for all parties involved.

She practices yoga and meditation, loves outdoor activities and is a chronic scuba diving junkie. She particularly loves her greasy spoon kind of food after diving.

Arnold
Arnold Lim

Client Ambassador

Arnold has 10 years of experience in financial institutions (4 years in Prudential as an Actuarial Specialist, and 6 years in AmInvestment Bank Capital Markets Group) specialising in structured finance. His experience working with multiple stakeholders has allowed him to design solutions that match borrowers’ and investors’ needs.

Over the years, he has executed numerous asset-backed securitization, unrated bond, perpetual and covered bond projects in Malaysia. Arnold graduated with a Bachelor of Applied Finance with Bachelor of Commerce – Actuarial Studies from Macquarie University, Sydney. Arnold is a foodie and will go far flung places for good food.

Rick Tan

Client Ambassador

Rick is an experienced and results oriented marketing and finance professional with more than 19 years of experience in various organisations. He specialises in identifying opportunities and partnerships to value-add to those organisations he had worked with. With his extensive experience, Rick is able to value-add to our clients as they seek financing on the Minterest platform.

Rick holds a Master of Science in Investment Management from Cass Business School, London, and a Bachelor of Business from Monash University, Melbourne. Rick is an active sportsperson who enjoys football, basketball, tennis and swimming.

Ron
Ron Lim

Associate

Ron Lim has 12 years of professional experience in banking and finance industry (10 years in banking, and 2 years in insurance). His rich experience in local and foreign banks from consumer to SMEs, allows him to work with multiple stakeholders, and able to value-add to clients and organizations.

While working as a Relationship Manager in a top local bank, his broad exposure and experience, combined with his strong focus in client relationships and due diligence, puts him in a unique position to understand client needs and objectives, enabling him to advise on win-win solutions for both customer and bank.

Ron is an active sportsperson who loves playing soccer. He is also currently the team manager for Sengkang West Community Sports Club soccer interest group on voluntary basis. Since 2016, he started volunteering and participate in CSC events.

Timothy Quek

Associate, Origination

Timothy has over 3 years of experience in investing and management of commercial real estate. In his last role at CapitaLand, he led lease restructuring and rental support efforts amid the Covid-19 pandemic. He holds a Bachelor Degree in Real Estate (First Class Honours) from the National University of Singapore. Away from office, he loves working up a sweat with his interest revolving around CrossFit, track & field and attending to margin calls on his cryptocurrency futures.

Wayne Tan

Junior Analyst

Wayne is a fresh graduate from Singapore Management of Institute (SIM) University of London (UOL), with a BSc Banking and Finance. He had studied accounting in Polytechnic and gained great working experience as an audit intern at PwC.

Some interests of his include football and fishing, along with the occasional poker and Mah-jong sessions as a pastime. He is an avid Liverpool fan.

Shermain
Shermain Chin

Analyst

Shermain is an analyst with previous experience in the real estate and risk management space within the banking sector.

She has a Masters in Economics and Econometrics and a Bachelor in Economics specialising in Econometrics and Finance, both from Monash University, Melbourne.

Shermain is all about spicy food and potatoes, and it’s tough for her to turn down a glass of red wine. She enjoys her down time with her cats Rum and Raisin.

Alvin Lim

Head of Investor Relations & Partnerships

Alvin has over 14 years in the banking industry where he worked in international banks. He has vast experience is managing investment portfolios for High Net-worth and Ultra High Net-worth Clients. His roles required an intimate understanding of clients’ requirements, financial management and what investors look for in a financing transaction.

With his experience, Alvin is able to provide valuable and insightful recommendations while maintaining a laser-like focus on minimising risk for investors. He loves to work out in the gym and used to be an investigation officer with the Singapore Police Force before embarking in his banking career.

Christine Yap 

Associate Director, Investor Sales

Christine has over 8 years of Sales and Marketing experience in the Banking and Finance Industry in Singapore, Kuala Lumpur and London. She has covered a variety of roles, including Digital Marketing, Brand & Communications and Client Acquisition. In her last hustle in UOB Business Banking Singapore, she was advising businesses on restructuring and financing options amidst the COVID-19 pandemic.

In her free time, Christine enjoys community work and seeing the world. Prior to the pandemic, she married her two interests by organizing community service trips to countries in the region.

Since the pandemic kept her in Singapore for the past year, she spearheaded a youth empowerment initiative to connect young and budding businesses in Singapore to share their experiences and strategies and support one another during these challenging times.

Jenny Chua

Manager, Investor Sales

Jenny is a Logician who can entertain multiple ideas and keep a cool head. She wishes to Aspire a community of Women.

She shaped the future generation.

Jenny understands the mothers. She feels the mothers out there.
As a member of one of the world’s leading financial institutions, she strives to be recognized as the preferred partner in financial protection and wealth management, and as the best provider of quality financial advice to families in the Region.

With more than 10 years of experiences in the finance industry, She offers innovative financial solutions that protect individuals and businesses against unforeseen financial setbacks arising from disability, illness or premature death, as well as investment opportunities to achieve their financial targets.

Wei Fang Sim

Head of Marketing

Wei Fang is a seasoned growth marketeer with over eight years of experience in the areas of demand generation, digital advertising, customer journey, campaigns and onsite merchandising. She brings a wealth of experience from over seven years in ecommerce functions (Sephora, Lazada, Rakuten, Shopify-Singtel) that have helped to drive commercial performance, leads and uplift conversions. When she is not working, she enjoys spending time with her 3.5-year-old son and creating home-based learning content to promote bilingual education for kids.

Andrea Lim

Marketing Communications Manager

Andrea spent her time in the past 10 years building skills in communications. Graduating from past experiences with Marketing, Branding and Engagement proficiencies.

Andrea enjoys meeting people, having conversations and understanding how best to relate to them. She also enjoy crafting high-impact communications and seeing how the communicated messages make a difference in peoples lives. In her free time, she enjoys cooking up a storm.

Zhi Yi Low

Marketing Executive

Zhi Yi is a passionate fresh graduate who loves and enjoys to learn about the wide scope of marketing. Whilst learning the ropes of the workings in an ever growing marketing spectrum, he hopes to expand his knowledge and understanding of digital marketing and design concepts to new heights, incorporating new and fresh ideas into the mix. 

He is an avid car enthusiast and has tried his hand at photography, video taking and editing with an extended interest in Formula One. 

Ao Xuan

Designer

Ao Xuan graduated from SIM Global (RMIT University) and obtained a degree in Communication Design. Having the opportunity to help people and solve things at a more creative level.

She looks forward to apply her skills as a graphic designer as well as to further develop her abilities and enhance her knowledge along the way.

Jia Yun Ong

Assistant Finance Manager

Jia Yun was a senior audit professional with 4 years of experience in providing quality external audit services to various companies across a spectrum of industries including construction, commodities, F&B and shipping. She eventually specialised in the real estate industry which includes the audit of Guthrie Properties and real estate funds for GIC.

Jia Yun subsequently joined CapitaLand as a finance supervisor in 2018. She was responsible for the month end closing, as well as delivering monthly financial reports and quarterly SGX announcements to the management team.

Fiona Tan

Accounts Executive

Fiona Tan has 7 years of experience in accounting (4 years in full sets of accounts preparation and 3 years in analysis and budgeting role). She had been with the retail FMCG, ship management and REITS industries during her years of practice in accounting.

Though her main roles previously had been in accounting, her roles required her to liaise with many other departments at work. These departments include front end retail, marketing and warehousing. Such exposure at work has allowed her to build up good rapport across various departments at these respective organisations.

Fiona is also a passionate baker and chef during her leisure time. She finds joy whenever she completes a pastry or cuisine.

Gynn Wong 

Office Manager 

Gynn graduated with a double major Bachelor Degree in Mass Communication. She has high degree of professionalism with a proven ability to deal delicately with confidential material.

With the experience of working in the fast-paced Fintech (Cryptocurrency), Accounting, Construction and Consultancy industry, she is capable to use her skills in performing daily operations effectively. She beliefs the importance of maintain a safe and comfortable work environment to keep employees engaged.

She enjoyed outdoor adventures activities such as hiking, snorkelling, camping which expose her to new terrains and challenge her to go out of comfort zone.

Narmeet Singh

Solution Architect

Narmeet has been in the Tech scene for the last 11 years, having both run and worked for various startups. He has worked across multiple industries such as retail, FMCG, oil & gas, F&B and finance.

Having experience in both hands-on tech development as well as business/finance related acumen has given Narmeet the unique vantage point of visualizing solutions from both business & tech within each organization.

Narmeet is an avid animal lover, and currently has 2 rescued ‘Singapore Specials’ named Marshal & Mishka and a Border Collie named Martin.

Sharaf Ibrahim

Technical Project Manager

Sharaf has been in the FinTech scene for the last 4 years, having successfully supported multiple projects to their GoLive.

Having a unique perspective to have worked on all stages of the SDLC, including UAT, Development and BA/PM Roles has given Sharaf a better understanding of how to approach managing a team, overcoming hurdles and circumventing some of the issues that may come up during the project life cycle.

Sharaf is a huge techie, in love with anything to do with technology, be it computers, phones, consoles whether new or old.

Prasoon Bajpai

Senior Full Stack Developer

Prasoon has more than 10 years experience in various technology projects. Has expertise in Full Stack development with a demonstrated history of working in the information technology and services industry. He also has exposure to Team Leading, AWS Services, and other server-side technologies.

As a highly motivated Software Engineer with the enthusiasm to accept new challenges with a proven record of achievement. He determined to keep follow project timeline and requirement as per client and organisation need, to provide the best results

He is holding a post graduate in Computer Applications, from Dr. A.P.J. Abdul Kalam Technical University.

Divyanshu Gunjal

Product Owner

Divyanshu Gunjal is a product manager with experience in productising new gen software solutions from conception to fruition. 

He has worked in diverse industries like healthcare IT and industrial IOT.

He is very passionate about innovating software products which creates a positive impact in people’s life.
Divyanshu believes in collaborative leadership and has a blend of both technological and business skills which enables him to adapt and overcome any situation.

By education, Divyanshu is a computer science engineer, Masters in Business Informatics graduate and currently pursuing MBA.

On the personal front, Divyanshu has various hobbies like playing guitar, boxing, cycling, gaming and travelling.

Zubair Ibrahim

Senior Back End Engineer

Coming from over 3 years of Software Development experience, Zubair has experience across several projects, working with several different languages like Java, C# COBOL and more. In his time with the industry’s biggest players, he has worked with a number of enterprise level technology, allowing him to have knowledge and experience developing systems for millions of clients and users to use globally.


Zubair graduated from the School of Audio Engineering Institute with a Discipline in Information Technology and a Speciality in Game Development and enjoys to play video games in his free time and loves having a good burger wherever he can get his hands on one.

Boo Kenney

UI/UX Designer

Kenney is an engineer turned UX designer and is very passionate about using his logical mindset to improve user experience on various platforms. He consistently finds ways to improve himself to value-add to the company.

His goal is to transform the company’s website and platform to improve usability and get users excited when it comes to investing or borrowing.

Shaun Tan

Loan Executive

With 6 years of financial planning experience, Shaun has helped many individual and corporate clients achieve their goals. 

Shaun is passionate about life and adventure, and is a licensed divemaster who enjoys bringing the joy of the underwater world to others.