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Please DO NOT click on any links in social media ads which could be phishing links that lead you to fake SDAX Minterest websites. Please also DO NOT respond to any emails that are not from our official domains. Should you require any clarifications, please write to [email protected] or contact your relationship manager.

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

Featured In

Our Minterest Money Team

Ronnie Chia

Executive Director

Charis Liau

Executive Director

Arnold

Arnold Lim

Client Ambassador

Chew Xiuzi

Loan Executive

Shaun Tan

Loan Executive

Nicky Yong

Loan Executive

Our Minterest Money Team

Ronnie Chia

Executive Director

Charis Liau

Executive Director

Arnold

Arnold Lim

Client Ambassador

Chew Xiuzi

Loan Executive

Shaun Tan

Loan Executive

Nicky Yong

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 is the Group CEO of SDAX Financial Group and 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.

He co-founded Minterest in 2016 and conceived and developed the MintGrade algorithm using a few hundred data points that enabled Minterest to credit assess borrowers and issuers quickly and efficiently.

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.

Ronnie graduated from University of Canterbury, New Zealand with a Bachelor of Commerce Degree majoring in Accountancy and Business Administration.

Charis Liau

Executive Director

Charis is the co-founder and CEO of Minterest, with more than 20 years of banking and finance experience specialising in structured finance, relationship management and advisory to financial institutions, large and local corporates across Asia.

Charis is instrumental in driving the Group’s digital investment platform strategy and initiatives, overseeing its business, technology innovation and geographic expansion.

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 and is a regular speaker at events. In 2021, she was recognised amongst Singapore’s 100 Women in Tech by the Singapore Computer Society and Infocomm Media Development Authority and was awarded the top 12 Fintech Leader and Top 5 Women in Fintech awards by the Singapore Fintech Association in 2020.

Charis holds a Bachelor of Accountancy (First Class Honours) from Nanyang Technology University and is a CFA charter holder since 2004.

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.

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.

Nicky Yong

Loan Executive

After graduating with a Bachelor of Business Administration (BBA) degree, Nicky has had over two years of experience in Financial Services Sector, and she is currently working as a Loan Executive with Minterest Money. 

She enjoys her job especially in helping clients with their financial planning. It brings her great satisfaction when she is able to assist her clients achieve their financial goals. In the eyes of others, Nicky is a fast and enthusiastic learner who seeks constant self-improvement.