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

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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

Charis Liau

Executive Director & CEO

Ronnie

Ronnie Chia

Executive Director & COO

Janice

Janice Koh

Executive Director & CCO

Kuan Keng Seng

Kuan Keng Seng

Head of Credit Risk

Stephanie Luo

Stephanie Luo

Legal Counsel

Arnold

Arnold Lim

Client Ambassador

Rick

Rick Tan

Client Ambassador

Chelsea Kwang

Relationship Manager

Ron

Ron Lim

Associate

Wayne Tan

Junior Analyst

Shermain

Shermain Chin

Analyst

Alvin

Alvin Lim

Head of Investor Relations & Partnerships

Cheryl Wai

Business Development Manager

Vanessa

Vanessa Chong

Marketing Executive

Nike Ardilla

Marketing and IT Executive

Clement Yap

UI/UX Designer

Simon Nyan

Software Engineer

Yinghan Tan

Software Engineer

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

Charis Liau

Executive Director & CEO

Ronnie

Ronnie Chia

Executive Director & COO

Janice

Janice Koh

Executive Director & CCO

Kuan Keng Seng

Kuan Keng Seng

Head of Credit Risk

Stephanie Luo

Stephanie Luo

Legal Counsel

Arnold

Arnold Lim

Client Ambassador

Rick

Rick Tan

Client Ambassador

Chelsea Kwang

Relationship Manager

Ron

Ron Lim

Associate

Wayne Tan

Junior Analyst

Shermain

Shermain Chin

Analyst

Alvin

Alvin Lim

Head of Investor Relations & Partnerships

Cheryl Wai

Business Development Manager

Vanessa

Vanessa Chong

Marketing Executive

Nike Ardilla

Marketing and IT Executive

Clement Yap

UI/UX Designer

Simon Nyan

Software Engineer

Yinghan Tan

Software Engineer

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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

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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.

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
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
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.

Chelsea Kwang

Relationship Manager

After graduating from Nanyang business school, where she specialised in marketing, her career has been mainly in B2B business development/marketing in a bank & audit firm.

She loves travelling and exploring new parts of the world, as it always offers her fresh perspectives. Chilling at a cafe with a nice cuppa is also totally up her alley!

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.

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
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.

Cheryl Wai

Business Development Manager

Cheryl comes from a diverse background in financial services, with stints at the Monetary Authority of Singapore, as well as in investment banking and fund management. Most recently, she was part of Q Investment Partner’s business development team, responsible for capital raising, investor relations, and leading the team’s strategic efforts in events and marketing. Her experience included intermediary and partner engagement where she organized Singapore’s first global Co-Living summit in 2019.

Cheryl strongly believes in introspection as the key to finding the best version of yourself. She enjoys challenging (sometimes torturing) herself in all sorts of sports and is always up for new experiences.

Vanessa
Vanessa Chong

Marketing Executive

Vanessa is a digital marketer with experience across various industries: FMCG, fashion, e-commerce as well as studio fitness. She has a broad exposure to social media, customer relationship management (CRM), email, partnerships, events and affiliate marketing, with a strong focus on delivering data-driven, multi-channel campaigns for growth.

Vanessa puts her heart into everything she does, and quickly understands the needs of her consumers. Her analytical mindset coupled with her passion for marketing enables her to build strategic and relevant marketing campaigns, to suit the needs of both the business and its consumers.

Vanessa graduated from Nanyang Technological University with a double degree in Accounting and Marketing. She enjoys singing, dancing and always believes that there is a second stomach for dessert.

Nike Ardilla

Marketing and IT Executive

Nike is an executive who handles digital marketing and IT in the company. Within her years of studying Business IT in Singapore Polytechnic, she has picked up several analytical and technical skills in digital marketing as well as IT.

Outside of work, she enjoys baking, exploring new eateries and catching up on K-dramas.

Clement Yap

UI/UX Designer

Clement has a vast knowledge of platform and enterprise design as well as rare expertise on design systems; design systems are design bibles of any company and his goal is to let it take over the world and how we interpret creative visions.

He’s here to make bad designs look good and good design look gooder. Gooder is not a real word, but like the English language, sometimes you have to break the rules to create something experimental or phenomenal. Half the job of being a UI/UX designer is convincing people that change is good or guiding them to work the way we intend for them to do. In the end, we aren’t designing products, we are designing the human condition.

Simon Nyan

Software Engineer

After working as a full stack developer for more than 3 years for the data analytics & data visualisation industry developing web / mobile applications, he is now a software engineer at Minterest to venture into the FinTech industry to expand his experience building credit workflow systems, integrating various services and implementing data analytics solutions.

In his free time, he enjoys playing around with new technologies and shares the experience he learned with his friends. He also loves playing online games and dining out with friends.

Yinghan Tan

Software Engineer

Yinghan recently took the plunge into a programming career in 2019. He has since had experience as a Java web developer focusing on API development, took on a Devops role in a mobile development team, and created a mobile app for a non-profit organization.

Despite holding a Bachelor of Science in Physics from NUS, Yinghan’s passion is in IT and helping others learn and take advantage of technology. During his weekends he often volunteers as a teaching assistant teaching programming in an IT Apprenticeship Program.

In his spare time, he enjoys reading novels over a cup of coffee or playing a game of table tennis/badminton.