Asia’s first next-gen
financial experience platform

Banks have failed Asia’s blue-collar workers and micro-SMEs. We are here to serve the underserved like never before.

Products and services for blue-collar workers

Micro lending

Fully automated credit assessment, underwriting, instant disbursement, and integrated collection.

Personalised and communal savings

Savings and deposits with flexible withdrawal and tailored advisory to support customers needs.

Payments and remittance

Instant credit/debit between domestic/overseas accounts and digital wallets.

Micro-insurance

Support low income groups who have limited or no access to financial services.

Products and services for micro-SMEs

Invoice financing

A great alternative to traditional business loans. We can help by advancing unpaid invoices and using them as collaterals.

Working capital loan

SMEs can improve their cash flow to support or expand their business by using our working capital loan.

Retail and SME banking in a box

Banking-as-a-Service

Additionally, through our B2B white labelling business, we fully transform brick and mortar banks into digital banks within 6 months.

Responsive web

Fully immersive customer journey for all devices larger than a mobile.

Mobile

Mobile first approach for a mobile first customer base.

Alternative channels

Wearables, chat, and voice to future proof your digital transformation.

One platform for all your banking products

As a bank of the future, Inypay delivers bleeding-edge technology while adopting evolving business models and keeping customers at the center of every strategy.

Born in the cloud

The only cloud native banking platform in Asia.

Open API driven

Well documented APIs for easy third-party integration.

Top notch security

Strong authentication and compliant with local regulations.

White-label platform

Get up and running in no time with our white-label platform.

Hyper personalised

Data driven for a fully tailored user experience.

Low cost fast GTM

Fast go-to-market to give you a competitive advantage.

Our leadership team

Arivuvel Ramu

Founder and CEO

Ex CTO at Tonik Bank, Ramu has led numerous digital transformation programs across the globe.

Barani Sundaram

Co-founder and CTO

With over 18 years experience in banking, Barani is the technologist behind many successful fintech deliveries.

Sudhir Nain

Chief Experience Officer

Leading expert with 22 years experience in UI/UX, Sudhir founded Bayzil design studio.

Ray Sugiarto

Chief Marketing Officer

With over 35 years experience in marketing & business development, Ray is the founder of XCION.

Senthil Sambandam

Chief Partner Channel Officer

Over 22 years in IT sales, partner channel and business development, Senthil is the co-founder of Intelizest.

Seng Chong Tan (Stanley)

Chief Financial Officer

30+ years experience in finance & accounting, P&L, treasury, audit, tax, FP&A.

Neeraj Pandey

Chief Commercial Officer

Over two decades of experience in banking and fintech across Southeast Asia, UK, and India.

Open positions

Please email hr@inypay.com

Head of IT Operation (Cloud)

Singapore

10-20 years of experience in Technology and Operations
Expertise Cloud Strategy, multi cloud administration, and DevSecOps
Working closely with CEO /CTO /Head of Engineering and identity the organizational growth specific infrastructure
Pro-active mindset and go-getter attitude towards handling team, get the work done from the respective department and cross functional teams.
Implement CICD pipeline for the organization
Implement blue-green deployment and Infrastructure as a code services with 1-click infra & application deployment.
Expertise in AWS cloud
Awareness in Azure and GCP cloud is added value
Hands on Infra architect who implement highly secure, auto-scalable infrastructure with cost efficient design
Work closely with Cloud Providers and regulators.
Keep up to date management reporting on the SLA of IT Operations
Build the team and manage the multi-cultural team members with in IT Operations.

Chief Operating Officer

Singapore

15-35 years of experience in financial institution
Working closely with CEO and handle day to day operations.
Working closely with all other department heads and operational processes with automation
Handle the management reporting’s and audits
Help to build modern digital bank in SEA with top-notch business process with automation.
Pro-active mindset and go-getter attitude towards handling team, get the work done from the respective department and cross functional teams.
Come with local tailored policies and procedure as part business operation
Participate in internal/external audit functions.
Setup the contact center and manage the multi-channel agents (voice, chat, email, social media)
Setup the back-office operation and manage the different teams (Customer Due Diligence, Underwriting, Collection, Settlement, Reconciliation, Fraud Prevention, Card Processing, Loan processing units)
Detailed oriented and process driven operational leader
Worked in a local or foreign banks is added value.

Chief Human Resource Officer

Singapore

15-35 years of experience in People Management (Talent Acquisition & Employee Engagement)
Working closely with CEO and identity the people needs and wants for growth of the company
Come up with performance and innovation-oriented culture in the organization
Create robust strategy, policy and procedure around corporate governance, talent acquisition, talent management, performance management, governance and risk mitigation.
Implement performance, legal, attendance management software’s and manage them
Keep up to date on the HR matter as part of Management reporting’s
Working closely with all other department heads and influence the people vs performance measures
Setup the policy and procedure to handle the various organizational risk (Customer protection, Operational, Technical, Security, liquidity, operational and regulator risk).
Pro-active mindset and go-getter attitude towards handling team, get the work done from the respective department and cross functional teams.
Closely worked with MAS and local regulatory.
Handle both employee smooth onboarding and off-boarding
Come up with cost efficiency in every aspect on the organizational people management
Person of high ethical standard practitioner is preferred
Worked in a local or foreign banks is added value.

Chief Compliance Officer

Singapore

15-35 years of experience in Regulatory framework and Risk Management
Working closely with CEO and identity the Regulatory risk, execute the risk mitigations.
Working closely with all other department heads and influence the regulatory compliance framework.
Handle the regulatory reporting’s and audits
Having experience to handle the local regulators on all Regulatory & compliance matter. Good connect with regional regulators which including Singapore, Malaysia, Indonesia, Philippines and Vietnam
Help to build modern digital bank in SEA with top-notch regulatory compliance with the process, product, and people aspects.
Pro-active mindset and go-getter attitude towards handling team, get the work done from the respective department and cross functional teams.
Closely worked with MAS on financial services, product positioning launches.
Handle effective Risk Management, Anti Money laundering and Terrorism financing software implementations, alert management with in SLA, reports to MAS, board and Mancom.
Execute Call tree along with Risk Team during the emergency period
Come with local tailored policies and procedure as part regulator expectations
Participate in internal/external audit functions.
Worked in a local or foreign banks is added value.

Chief Risk Officer

Singapore

15-35 years of experience in Risk Management
Working closely with CEO and identity the risk, validate it, execute the risk mitigations pro-actively.
Working closely with all other department heads and influence the risk framework adaptation
Setup the policy and procedure to handle the various organizational risk (Customer protection, Operational, Technical, Security, liquidity, operational and regulator risk)
Handle the regulatory Risk reporting’s and Risk audits (internal and external)
Having experience to handle the local regulators on all Risk Management/incident matter. Good connect with regional regulators which including Singapore, Malaysia, Indonesia, Philippines and Vietnam
Help to build modern digital bank in SEA with top-notch regulatory Risk framework with the process, product, and people aspects.
Pro-active mindset and go-getter attitude towards handling team, get the work done from the respective department and cross functional teams.
Closely worked with MAS on financial services, product positioning launches.
Handle the Risk Policies, Credit Policies, underwriting procedures and handle the entire organization risk management.
Worked in a local or foreign banks is added value.

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