Minterest Money is the Minterest Group’s consumer financing arm. Using technology and proprietary credit scoring algorithm, we deliver bespoke and unique financing costs to each individual borrower. Our belief is that each individual should pay his or her own financing cost.

Personalized interest rates can start from as low as 0.55% per month or less than 36 cents a day*

Minterest Money

Our Mission

We aim to empower our customers with confidence, knowledge and opportunities to take charge of their financing needs. As an impetus in undertaking a new venture or addressing a personal situation with peace of mind through properly priced financing. We aim to be the catalyst that brings their future to the present, be it resolving a temporary financial difficulty, taking advantage of opportunities or enriching one’s life.

Our Belief

At Minterest Money, we believe that personal finance should not be a one-size fits all model of pricing. Using big data and artificial intelligence, each borrower will be assessed on his or her unique set of information and will pay a price that is appropriate to his or her credit risk. This will lower the cost of financing to our customers.

Featured In

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Our Minterest Money Team

Ronnie

Ronnie Chia

Executive Director

Charis

Charis Liau

Executive Director

Janice

Janice Koh

Executive Director

Arnold

Arnold Lim

Client Ambassador

Chew Xiuzi

Loan Executive

Nicole Tan

Loan Executive

Our QianNow Team

Ronnie

Ronnie Chia

Executive Director

Charis

Charis Liau

Executive Director

Janice

Janice Koh

Executive Director

Arnold

Arnold Lim

Client Ambassador

Chew Xiuzi

Loan Executive

Nicole Tan

Loan Executive

Minterest Money is a licensed moneylender that is regulated by the Registrar of Moneylenders of the Ministry of Law. We commenced our consumer lending business from 1 June 2019. For any enquiries, please email us at [email protected].

*Based on a loan of S$2,000 for a tenor of 12 months, subject to credit scoring and assessment but does not include processing fees.
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Ronnie Chia

Executive Director

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.

Charis Liau

Executive Director

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.

Janice Koh

Executive Director

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.

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.

Chew Xiuzi

Loan Executive

Xiuzi enjoys doing analytical work, so here she is as a Loan Executive for QianNow. She is a risk taker and likes to apply Warren Buffet’s theory, “Be fearful when others are greedy and be greedy when others are fearful”.

She loves listening to English oldies, jazz, opera songs and new age music and she keep a collection of old movies such as The Sound of Music, Mary Poppins, Chitty Chitty Bang Bang and Breakfast at Tiffany etc. She enjoys travelling to countries that are still at the developing stage, as one day, they might lose their essence if we do not visit them fast.

Nicole Tan

Loan Executive

Nicole graduated with B.A (Honours) in Business Management from Northumbria University. With more than 4 years’ experience in banking industry, she has handled different customer levels ranging from personal loan, wealth planning to commercial card.

Nicole enjoys the little things in life, such as binging on the latest episode of her favourite sitcoms to catching up with friends over drinks while celebrating individual milestones.