Job Title: Data Engineer 2 Location: DLF Cybercity, Porur, Chennai- India Experience: 4 - 8 Years About the Job : We are looking for an experienced Data Engineer to join our growing data platform team, responsible for designing and implementing scalable, secure, and high-performance data solutions across the organization. In this role, you will work closely with business stakeholders, analysts, data scientists, and engineering teams to build end-to-end data pipelines that power decision-making, analytics, and machine learning initiatives. The ideal candidate will have a strong Data engineering background, should be comfortable working with large datasets, implementing data quality checks, and collaborating with cross-functional teams including Data Scientists, Analysts, Product Managers, and Software Engineers to deliver reliable, secure, and production-grade data solutions. Job Responsibilities: 1. Design and implement scalable, cost-efficient data pipelines that support structured and semi-structured data ingestion (CSV, fixed-width, JSON, etc.), using modern orchestration tools like Apache Airflow / Cloud Composer 2 . Develop robust, reusable data processing workflows leveraging Google Cloud Platform (GCP) services such as Big Query , Dataflow , Cloud Storage , DataProc , and Apache Beam — or equivalent AWS/Azure technologies. 3 . Write clean, high-performance code in Python or Java , and develop optimized SQL queries for transformation, aggregation, and reporting needs. 4. Implement and manage end-to-end automated data pipelines , ensuring data integrity, performance, and monitoring across the entire lifecycle. 5. Implemented E2E automated pipeline to ingest the data from different formats (csv, fixed width, Json etc.) 6. Ensure strong data governance, access control , and security configurations , especially in environments like Big Query , with a focus on secure data sharing and compliance. 7. Communicate effectively with stakeholders and other team members. Preferred Experience and Qualification: 1. Bachelor’s or master’s Degree in computer science/ Statistics/ Data Science/ Engineering 2. Proficiency in at least one programming language, preferably Python or Java , for data pipeline and ETL/ELT development. Strong expertise in SQL , 3 . Proven experience designing and deploying production-grade, scalable, and cost-effective data solutions on at least one major cloud platform ( GCP preferred , AWS or Azure acceptable). 4. Hands-on experience in building Credit risk models for other financial institutions/ Retail/ B2C start-ups/ System Integrator companies/Banking Product is mandatory 5. Above all, the Great who works effectively in a team and communicate proactively is considered a baseline requirement Who we are looking for: 1. Willingness to go the extra mile for success. 2. A talented individual who embodies our company’s core values of teamwork, honesty, reliability, sense of humor and street smart 3. Energetic and lively. 4. As our approach to banking is far from ordinary, we are looking for an innovative and creative individual to join our team. About Tonik: We are a transformative digital bank with a mission to revolutionize the way money works. We create better financial products for the world by encouraging inclusivity through simplifying processes, reducing costs, improving transparency, and embracing flexibility to empower more people with unique financial needs. All these are on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company. We do not just search for the best talent, but for people who seek to challenge the status quo and are passionate about transforming the impossible into reality. Tonik (www.tonikbank.com) is the first digital-only neo bank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neo bank operates based on the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintech’s across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila, Chennai, and Kyiv
Job Title: Senior Data Scientist Location: DLF Cybercity, Porur, Chennai- India Experience: 8 - 12 Years About the Job : We are looking for a highly skilled and impact-oriented Senior Data Scientist to design, develop, and scale machine learning solutions that support critical decision-making across Credit Risk, Customer Growth, Marketing, and Operations in our Retail Banking division. This is a high-visibility Individual Contributor role, responsible for delivering production-grade models that directly drive business outcomes. The ideal candidate brings deep expertise in statistical analysis, machine learning, and data-driven problem solving, with a strong track record of translating complex datasets into actionable insights. You will collaborate closely with Data Engineers, Product Managers, and Business Stakeholders to build end-to-end solutions that enable both real-time and batch inference in a high-performance, production environment. Job Responsibilities: The candidate must be able to independently manage his/ her own workstream and effectively collaborate with other regional teams. Develop and deploy machine learning models to support key business areas such as Credit Risk, Fraud Detection, Customer Segmentation, Marketing Optimization, and Collections Strategy. Collaborate with cross-functional teams (Data Engineers, Product Managers, Engineers) across Chennai, Manila, and Singapore to deliver production-grade ML solutions aligned with business goals. End-to-End Ownership: Drive the full lifecycle of ML solutions—from data exploration, feature engineering, and algorithm selection to deployment and performance monitoring. Build scalable data pipelines and model inference workflows (real-time and batch) to integrate predictive solutions into core banking and customer-facing platforms. Ensure model governance by adhering to regulatory and compliance standards in financial services environments. Preferred Experience and Qualification: Bachelor’s or master’s Degree in computer science/ Statistics/ Data Science/ Engineering 8 + years of hands-on experience in data science, with a focus on applying machine learning in banking or fintech domains Strong programming skills in Python, SQL , and experience with tools such as scikit-learn, XGBoost, LightGBM, TensorFlow, or PyTorch Experience in building credit risk models for Retail Banks, B2C FinTech’s, NBFCs, System Integrators, SaaS-based Banking Platforms , or Product-led Financial Services companies is highly desirable. Experience with cloud platforms (e.g., GCP, AWS, or Azure) and ML pipelines in production environments Familiarity with real-time data processing and orchestration tools such as Kafka, Airflow, or Big Query Who we are looking for: As our approach to banking is not ordinary, we need someone who: is willing to go the extra mile to achieve success embodies our core values: teamwork, honesty, reliability, a sense of humor, and street smarts is energetic and lively, bringing enthusiasm to every challenge is an innovative and creative thinker who thrives in our unconventional approach to banking About Tonik: We are a transformative digital bank with a mission to revolutionize the way money works. We create better financial products for the world by encouraging inclusivity through simplifying processes, reducing costs, improving transparency, and embracing flexibility to empower more people with unique financial needs. All these are on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company. We do not just search for the best talent, but for people who seek to challenge the status quo and are passionate about transforming the impossible into reality. Tonik (www.tonikbank.com) is the first digital-only neo bank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neo bank operates based on the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintech’s across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila, Chennai, and Kyiv
Job Title : Machine Learning Engineer Location : DLF Cybercity, Porur, Chennai- India Experience : 4- 8 Years About the Job: We are looking for a skilled Machine Learning Engineer with hands-on experience in deploying ML models on scale using Google Cloud Platform (GCP) and Fast API. This is a high-visibility Individual Contributor role responsible for enabling real-time and batch model inference to support critical business functions across Credit Risk, Customer Growth, Marketing, and Operations for our Retail Banking customers. The ideal candidate will have a strong ML engineering background, with proven experience in model deployment, monitoring, ML-Ops, and collaborative solution development with cross-functional teams including Data Scientists, Product Managers, and Software Engineers. Job Responsibilities: 1. The candidate must be able to independently manage his/ her own workstream and effectively collaborate with other regional teams. 2. Own and manage end-to-end ML deployment pipelines, ensuring reliable real-time and batch inference using Fast API and GCP services (Vertex AI, Big Query, Cloud Functions, etc.). 3. Collaborate with cross-functional teams (Data Scientists, Product Managers, Engineers) across Chennai, Manila, and Singapore to deliver production-grade ML solutions aligned with business goals. 4. Design and implement robust, reusable, and well-documented code using Python and SQL, leveraging industry-standard ML libraries like scikit-learn, pandas, NumPy, Spacy, LightGBM, and Cat Boost. 5. Deploy and maintain models across various use cases such as Credit Risk (PD, LGD, Scorecards), Propensity & Response Models, Customer Segmentation Models, Marketing Attribution Models 6. Ensure model governance by adhering to regulatory and compliance standards in financial services environments. Preferred Experience and Qualifications: 1. BS/ MS in Computer Science/ Analytics/ ML/ Mathematics/ Physics/ other Science or Engineering Disciplines. 4-8 years of relevant industry experience preferred. 2. Must have Expert Level proficiency in Python and SQL. certifications in ML, cloud platforms (GCP/AWS), or ML-Ops is a plus. 3. Strong experience with core ML libraries and frameworks (Scikit Learn, NumPy, Pandas, Cat boost spacy etc.) 4. Minimum 3 years’ experience in building Credit risk models for other financial institutions/ Retail/ B2C start-ups/ System Integrator companies/ SaaS-based Banking Platforms/Product based companies would be beneficial. 5. Proven Experience in ML-Ops, Model Governance on GCP is required 6. Above all, I must be a great team player and proactive communicator. This is a Table Stake Criteria!!! Who we are Looking for: 1. Willingness to go the extra mile for success. 2. A talented individual who embodies our company’s core values of teamwork, honesty, reliability, sense of humour and street smart 3. Energetic and lively. 4. As our approach to banking is far from ordinary, we are looking for an innovative and creative individual to join our team. About Tonik: We are a transformative digital bank with a mission to revolutionize the way money works. We create better financial products for the world by encouraging inclusivity through simplifying processes, reducing costs, improving transparency, and embracing flexibility to empower more people with unique financial needs. All these are on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company. We do not just search for the best talent, but for people who seek to challenge the status quo and are passionate about transforming the impossible into reality. Tonik (www.tonikbank.com) is the first digital-only neo bank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neo bank operates based on the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintech’s across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila
Job Title: Senior Data Scientist Location: DLF Cybercity, Porur, Chennai- India Experience: 8 - 12 Years About the Job : We are looking for a highly skilled and impact-oriented Senior Data Scientist to design, develop, and scale machine learning solutions that support critical decision-making across Credit Risk, Customer Growth, Marketing, and Operations in our Retail Banking division. This is a high-visibility Individual Contributor role, responsible for delivering production-grade models that directly drive business outcomes. The ideal candidate brings deep expertise in statistical analysis, machine learning, and data-driven problem solving, with a strong track record of translating complex datasets into actionable insights. You will collaborate closely with Data Engineers, Product Managers, and Business Stakeholders to build end-to-end solutions that enable both real-time and batch inference in a high-performance, production environment. Job Responsibilities: The candidate must be able to independently manage his/ her own workstream and effectively collaborate with other regional teams. Develop and deploy machine learning models to support key business areas such as Credit Risk, Fraud Detection, Customer Segmentation, Marketing Optimization, and Collections Strategy. Collaborate with cross-functional teams (Data Engineers, Product Managers, Engineers) across Chennai, Manila, and Singapore to deliver production-grade ML solutions aligned with business goals. End-to-End Ownership: Drive the full lifecycle of ML solutionsfrom data exploration, feature engineering, and algorithm selection to deployment and performance monitoring. Build scalable data pipelines and model inference workflows (real-time and batch) to integrate predictive solutions into core banking and customer-facing platforms. Ensure model governance by adhering to regulatory and compliance standards in financial services environments. Preferred Experience and Qualification: Bachelor's or master's Degree in computer science/ Statistics/ Data Science/ Engineering 8 + years of hands-on experience in data science, with a focus on applying machine learning in banking or fintech domains Strong programming skills in Python, SQL , and experience with tools such as scikit-learn, XGBoost, LightGBM, TensorFlow, or PyTorch Experience in building credit risk models for Retail Banks, B2C FinTech's, NBFCs, System Integrators, SaaS-based Banking Platforms , or Product-led Financial Services companies is highly desirable. Experience with cloud platforms (e.g., GCP, AWS, or Azure) and ML pipelines in production environments Familiarity with real-time data processing and orchestration tools such as Kafka, Airflow, or Big Query Who we are looking for: As our approach to banking is not ordinary, we need someone who: is willing to go the extra mile to achieve success embodies our core values: teamwork, honesty, reliability, a sense of humor, and street smarts is energetic and lively, bringing enthusiasm to every challenge is an innovative and creative thinker who thrives in our unconventional approach to banking About Tonik: We are a transformative digital bank with a mission to revolutionize the way money works. We create better financial products for the world by encouraging inclusivity through simplifying processes, reducing costs, improving transparency, and embracing flexibility to empower more people with unique financial needs. All these are on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company. We do not just search for the best talent, but for people who seek to challenge the status quo and are passionate about transforming the impossible into reality. Tonik (www.tonikbank.com) is the first digital-only neo bank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neo bank operates based on the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintech's across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila, Chennai, and Kyiv
Job Title: Data Program Manager (Data Steward) Location: DLF Cybercity, Porur, Chennai- India Experience: 4- 8 Years About the Job : We are seeking a highly organized and impact-driven Data Steward / Data Program Manager to lead data governance, quality, and lifecycle management initiatives across our Credit Risk, Lending, and Customer Data domains in Retail Banking. This high-visibility Individual Contributor role ensures that business-critical data powering risk models, loan decisions, and regulatory reporting is accurate, consistent, and trusted. The ideal candidate combines data management expertise with strong stakeholder and program management skills, ensuring the bank’s data ecosystem remains governed, high-quality, and analytics ready. Job Responsibilities: Own data governance and quality across Credit Risk, Loan, and Customer Data domains — ensuring data is accurate, consistent, and compliant with regulatory and internal standards. Define and enforce data policies, standards, and lineage to support credit risk modeling, portfolio analytics, and regulatory reporting. Collaborate with cross-functional teams (Data Engineers, Risk Analysts, Product Managers, and Technology teams) across Chennai, Manila, and Singapore to design and implement robust data governance and quality. Create and regularly update the data dictionaries and metadata repositories for the tables primarily used by the Risk, Collection, Marketing, Growth, Upsell and Data Science teams. Monitor and report data KPIs through dashboards (Power BI / SQL / Python), providing transparency into data health and usage across the organization. Be resourceful and industry-connected to identify and evaluate alternate data sources enhancing Credit Risk Models, Income Estimation, and KYC processes; report insights quarterly to the CDO. Develop and document data lineage, ER diagrams, and feature stores with standardized schemas and metadata to ensure transparent, reusable, and well-governed data assets across customer and loan journeys, supporting cross-team analytics and Tendo–Tonik integration.” Data Sourcing & Validation from external vendor portals (Telcos, Public Databases) from external vendor portals to support sourcing decisions. Vendor Collaboration & Data Partnerships: Establish and nurture data-sharing agreements with key vendors; define data requirements, formats, and SLAs. Process Improvement & Governance : Define and implement data-driven sourcing playbooks, governance policies, and standard operating procedures Identify bottlenecks in data flow and procurement processes; implement automations and process improvements. Present insights and recommendations to executives and cross-functional teams clearly and concisely. Translate business needs into data requirements ; bridge the gap between technical and non-technical stakeholders. Preferred Experience and Qualification: Bachelor’s or master’s Degree in computer science/ Statistics/ Data Science/ Engineering 4+ years Relevant experience in data management, data governance, or data analytics within banking/financial services , preferably in Credit Risk, Loan Operations, or Regulatory Reporting . Proficiency in SQL, Python, and Power BI ; experience with data lineage, feature stores, and metadata management , Exceptional Presentation Skills Domain Knowledge: Understanding of credit risk modeling (PD, LGD, EAD), Basel/IFRS9 frameworks, KYC, and lending processes . A collaborative team player who fosters a calm, composed work environment and aligns with organizational goals Who we are looking for: As our approach to banking is not ordinary, we need someone who: is willing to go the extra mile to achieve success embodies our core values: teamwork, honesty, reliability, a sense of humor, and street smarts is energetic and lively, bringing enthusiasm to every challenge is an innovative and creative thinker who thrives in our unconventional approach to banking About Tonik: We are a transformative digital bank with a mission to revolutionize the way money works. We create better financial products for the world by encouraging inclusivity through simplifying processes, reducing costs, improving transparency, and embracing flexibility to empower more people with unique financial needs. All these are on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company. We do not just search for the best talent, but for people who seek to challenge the status quo and are passionate about transforming the impossible into reality. Tonik (www.tonikbank.com) is the first digital-only neo bank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neo bank operates based on the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintech’s across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila, Chennai, and Kyiv
We are seeking a talented Application Security Analyst to join our verstatile team at Tonik . Responsibilities : The Application Security Analyst shall ensure that applications are developed, deployed and maintained based on security standards and best practices to protect the organization from potential threats and vulnerabilities. This role involves coordination with developers to ensure that security is embedded in software development. Security Assessments and reviews Coordinate independent testing performed by third party service providers Conduct security code reviews, static and dynamic analysis to identify potential vulnerabilities and security flaws of mobile and web applications Track and monitor security issues from discovery to resolution Prepare reports as part of vulnerability management Secure systems development Develop and enforce secure coding standards Provide security requirements and recommendation during the design and development phase of applications Promote application security awareness among IT teams Develop application security policies and procedures Security tools monitoring Manage and monitor application security tools on a day-to-day basis Generate reports as part of monitoring Incident Response Respond and manage security incidents related to applications Assist the team in implementing application security-related projects and initiatives Qualifications : • Education: Bachelor’s degree in computer science, IT, Information security or a related field. Relevant certifications (CEH, OSCP) are highly desirable. • Experience: 3 to 5 years in application security, software development or a related field Hands-on experience on security tools such as static analysis, vulnerability scanners and penetration testing Mobile application testing experience is desired. Technical Proficiency: Proficiency in one or more programming languages Familiarity with secure coding practices and standards (such as OWASP, SANS) Knowledgeable in DevSecOps and cloud security • Skills: Strong problem-solving skills, attention to detail, works well with various teams
We are seeking a talented Application Security Analyst to join our verstatile team at Tonik . Responsibilities : The Application Security Analyst shall ensure that applications are developed, deployed and maintained based on security standards and best practices to protect the organization from potential threats and vulnerabilities. This role involves coordination with developers to ensure that security is embedded in software development. Security Assessments and reviews Coordinate independent testing performed by third party service providers Conduct security code reviews, static and dynamic analysis to identify potential vulnerabilities and security flaws of mobile and web applications Track and monitor security issues from discovery to resolution Prepare reports as part of vulnerability management Secure systems development Develop and enforce secure coding standards Provide security requirements and recommendation during the design and development phase of applications Promote application security awareness among IT teams Develop application security policies and procedures Security tools monitoring Manage and monitor application security tools on a day-to-day basis Generate reports as part of monitoring Incident Response Respond and manage security incidents related to applications Assist the team in implementing application security-related projects and initiatives Qualifications : Education: Bachelor's degree in computer science, IT, Information security or a related field. Relevant certifications (CEH, OSCP) are highly desirable. Experience: 3 to 5 years in application security, software development or a related field Hands-on experience on security tools such as static analysis, vulnerability scanners and penetration testing Mobile application testing experience is desired. Technical Proficiency: Proficiency in one or more programming languages Familiarity with secure coding practices and standards (such as OWASP, SANS) Knowledgeable in DevSecOps and cloud security Skills: Strong problem-solving skills, attention to detail, works well with various teams
We are seeking a talented QA Automation Tester to join our team and play a crucial role in ensuring the delivery of high-quality software products. Responsibilities • Develop and execute comprehensive test plans and test cases for web and mobile applications. • Conduct thorough manual testing to identify defects and ensure product quality. • Design and implement automation test scripts using appropriate tools and frameworks. • Collaborate with BA and development teams to understand product requirements and create effective test strategies. • Identify, report, and track defects through the bug tracking system. • Analyze test results and provide detailed reports on software quality. • Stay updated with the latest testing methodologies, tools, and industry best practices. • Collaborate with cross-functional teams to ensure timely delivery of high-quality software. • Experience with database testing • Added Advantage: API/Web and Mobile Automation Testing Qualifications Experience: 3-5 years in Appium-based mobile automation. Automation Skills: Expertise in automating mobile apps (iOS and Android) using Appium, Selenium, and TestNG. Programming Languages: Proficient in Java for writing automation scripts. Mobile Testing: Solid understanding of mobile platforms, including iOS and Android ecosystems. API Testing: Experience in testing using tools like Postman and Newman Test Management: Familiar with tools such as JIRA for test case design, execution, and defect tracking. CI/CD Integration: Experience integrating automated tests with CI/CD pipelines using Jenkins, Git, Maven, or Gradle. Cross-Platform Testing: Knowledge of testing mobile apps across devices, screen sizes, and OS versions. Frameworks: Experience with Page Object Model (POM) and other design patterns for test automation frameworks. Version Control: Expertise in version control systems like Git for collaboration and code management. Soft Skills: Strong analytical, problem-solving, and communication skills, with the ability to work independently and within a team.
As a Business Analyst – Digital Banking , you will play a key role in driving the bank’s digital transformation journey. You’ll work closely with Product Managers, Business Units, and Technology teams to bridge the gap between business objectives and technical execution. This role requires a blend of analytical thinking, product management insight, and domain expertise in digital banking and lending. Responsibilities Conduct meetings with product managers and various business units to gather and analyse requirements, fostering effective cross-functional collaboration. Collaborate with stakeholders to gather requirements and translate them into functional specifications, user stories, process and transaction flowcharts, and mobile app wireframes. Conduct regular as is analysis of existing functionality and contribute to culture of innovation in the team Stay acquainted with latest trends in digital banking industry and propose ways to reimagine/reengineer things Analyse and understand documents from third-party payment partners, ensuring alignment with project requirements and banking regulations. Conduct walkthroughs with developers and testers to ensure alignment and understanding of requirements. Serve as the Product Owner within the Scrum team, prioritizing backlog items and ensuring deliverables meet business needs. Utilize JIRA to manage project tasks, track progress, and communicate updates to stakeholders. Create and maintain comprehensive documentation related to project requirements, processes, and workflows. Qualifications Bachelor’s degree in computer science, Information Technology, or a related field. Minimum of 4 years of experience as a Digital product manager, Business Analyst in Banking or Fintech or financial services industry. Proficient in digital banking concepts including but not limited to onboarding, deposits, lending & operations Should have experience of 0-1 & 1-100 strategy of product development & maagement Detailed understanding of Digital lending - Acquisition, Management & Operations Proficiency in driving product success through strategic product management and fostering impactful business collaborations. First-hand experience of working with LOS & LMS along with experience of decision-making strategy creation. Strong ability of journey illustration, creation of process flows & creation of wireframes In-depth knowledge of the banking Operations- both front office and back office. Proficiency in utilizing JIRA for project management and Agile methodologies. Excellent written & verbal communication, problem-solving, and analytical skills. Strong documentation (PRD, BRD & FSD) and presentation skills. Experience in working with lending products and services is a plus. Product management, Business analyst and/or Scrum certifications are a plus
Job Title: BI Developer Location: DLF Cybercity, Porur, Chennai- India Experience: 3 - 8 Years About The Job: We are looking for a detail-oriented BI Developer who will be responsible for designing, developing, and maintaining business intelligence solutions that enable data accessibility and informed decision-making across the organization. This Individual Contributor role is integral to supporting analytics needs across Credit Risk, Customer Growth, Marketing, and Operations functions within Retail Banking. The ideal candidate will have a strong understanding of data modeling, ETL processes, and visualization best practices, with hands-on experience in building interactive dashboards and reports that translate complex data into clear, actionable insights Job Responsibilities : Develop and enhance Power BI dashboards and reports based on the evolving requirements of various business teams. Develop and optimize data models and semantic layers supporting Credit Risk and Retail Banking analytics. Develop and manage data models and semantic layers to support self-service analytics. Train and support business users on Power BI usage, ensuring effective dashboard creation and report interpretation. Build and maintain self-service BI capabilities in Power BI, enabling end users to create ad hoc reports independently. Optimize the Dashboard and reports to ensure quality, standards, minimize cost are followed. Support Data Lake reporting requirements by developing SQL-based reports as needed. Work closely with regional teams, including risk, collection, operations, and marketing, to deliver impactful solutions. Preferred Experience and Qualifications : Bachelor’s or master’s Degree in computer science/ Statistics/ Data Science/ Engineering 3 – 8 years of experience as a BI Developer or Data Analyst within Credit Risk, Retail Banking, or Financial Services. Deep knowledge of Power BI administration, including workspace configuration, dataset management, security setup, and access control (Row-Level Security, Role-Based Access). Proficient in data modeling, DAX functions, and custom function creation in Power BI to handle complex business and analytical scenarios. Good to have: Experience with other visualization tools such as Tableau, Qlik Sense, or Looker. Good to have anything done on the Power Automate related workflows Above all, I must be a great team player and proactive communicator. This is a Table Stake Criteria!!! Who we are looking for: As our approach to banking is not ordinary, we need someone who: is willing to go the extra mile to achieve success embodies our core values: teamwork, honesty, reliability, a sense of humor, and street smarts is energetic and lively, bringing enthusiasm to every challenge is an innovative and creative thinker who thrives in our unconventional approach to banking About Tonik: We are a transformative digital bank with a mission to revolutionize the way money works. We create better financial products for the world by encouraging inclusivity through simplifying processes, reducing costs, improving transparency, and embracing flexibility to empower more people with unique financial needs. All these are on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company. We do not just search for the best talent, but for people who seek to challenge the status quo and are passionate about transforming the impossible into reality. Tonik (www.tonikbank.com) is the first digital-only neo bank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neo bank operates based on the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintech’s across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila, Chennai, and Kyiv
We are looking for an experienced React Native Mobile Developer with 5+ years of hands-on experience in building high-quality, scalable, and performant mobile applications. The ideal candidate will have a strong foundation in JavaScript, TypeScript, and React Native along with expertise in integrating third-party libraries, APIs, and native modules. Responsibilities : Develop and maintain cross-platform mobile applications using React Native . Collaborate with product managers, designers, and backend developers to create seamless user experiences. Optimize applications for performance, responsiveness, and scalability. Debug and resolve application issues, ensuring high quality and stability. Implement state management solutions such as Redux, MobX, or Context API. Integrate with backend services using RESTful APIs and GraphQL. Work with native modules and third-party integrations (Firebase, Stripe, Google Maps, etc.). Stay updated with the latest trends, technologies, and best practices in mobile development. Participate in code reviews, provide constructive feedback, and ensure best coding practices. Qualifications : 3+ years of experience in mobile app development with React Native . Strong proficiency in JavaScript and TypeScript . Experience with state management libraries like Redux, MobX, or Context API . Knowledge of React Navigation and deep linking. Familiarity with native build tools such as Xcode and Android Studio. Hands-on experience with Firebase, Push Notifications, and Analytics tools . Experience working with RESTful APIs and GraphQL. Knowledge of mobile security best practices and authentication mechanisms (OAuth, JWT, etc.). Proficient in debugging, performance optimization, and app deployment on Google Play Store and Apple App Store . Strong understanding of Agile methodologies, CI/CD pipelines, and version control (Git). Excellent problem-solving skills and ability to work independently or in a team environment.
J ob Title : Technical Trainee (Java Full Stack Developer) Location : DLF Cybercity, Porur, Chennai- India Work Mode: Work From Office (5 Days a Week) About the Job : Tonik is looking for a vibrant, and ambitious Full Stack Developer to join our growing tech team. As a Technical Trainee, you will work on highly scalable digital banking solutions, contribute to building new features, improve existing systems, and collaborate with cross-functional teams to deliver top-tier digital products. This opportunity is ideal for MTech / MS graduates a top universities graduating in 2025 or 2026 , who are eager to launch their career in the fast-evolving world of digital banking. Job Responsibilities: Develop high-quality software design and scalable architecture Design, code, and test new features and enhancements Collaborate with cross-functional teams to define, design, and ship new features Participate in code reviews and provide constructive technical feedback Ensure compliance with coding standards, best practices, and quality benchmarks Stay updated with emerging technologies and industry trends Troubleshoot, debug, and resolve platform issues and software defects Contribute to process improvements, automation, and innovation initiatives Preferred Experience and Qualifications: MTech/MS Computer Science (or closely related field) student from a top-tier universities (class of 2025 or 2026) Strong understanding of Core Java , Data Structures , and Algorithms Hands-on experience with modern JavaScript frameworks: ReactJS / NodeJS Familiarity with SQL databases (MySQL, PostgreSQL, etc.) Nice to have: Basic knowledge of Spring Framework or server-side development Academic projects involving banking, credit risk, analytics, or fintech Exposure to international academic or project environments Prior internship experience in software development or relevant tech roles would be really Great Who are we looking for? Willingness to go the extra mile for success. A talented individual who embodies our company’s core values of teamwork, honesty, reliability, sense of humour and street smart Energetic and lively. As our approach to banking is far from ordinary, we are looking for an innovative and creative individual to join our team. About Tonik: We are a transformative digital bank with a mission to revolutionize the way money works. We create better financial products for the world by encouraging inclusivity through simplifying processes, reducing costs, improving transparency, and embracing flexibility to empower more people with unique financial needs. All these are on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company. We do not just search for the best talent, but for people who seek to challenge the status quo and are passionate about transforming the impossible into reality. Tonik (www.tonikbank.com) is the first digital-only neo bank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neo bank operates based on the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintech’s across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila and Chennai
Job Title: Data Program Manager (Data Steward) Location: DLF Cybercity, Porur, Chennai- India Experience: 4- 8 Years About the Job : We are seeking a highly organized and impact-driven Data Steward / Data Program Manager to lead data governance, quality, and lifecycle management initiatives across our Credit Risk, Lending, and Customer Data domains in Retail Banking. This high-visibility Individual Contributor role ensures that business-critical data powering risk models, loan decisions, and regulatory reporting is accurate, consistent, and trusted. The ideal candidate combines data management expertise with strong stakeholder and program management skills, ensuring the bank's data ecosystem remains governed, high-quality, and analytics ready. Job Responsibilities: Own data governance and quality across Credit Risk, Loan, and Customer Data domains ensuring data is accurate, consistent, and compliant with regulatory and internal standards. Define and enforce data policies, standards, and lineage to support credit risk modeling, portfolio analytics, and regulatory reporting. Collaborate with cross-functional teams (Data Engineers, Risk Analysts, Product Managers, and Technology teams) across Chennai, Manila, and Singapore to design and implement robust data governance and quality. Create and regularly update the data dictionaries and metadata repositories for the tables primarily used by the Risk, Collection, Marketing, Growth, Upsell and Data Science teams. Monitor and report data KPIs through dashboards (Power BI / SQL / Python), providing transparency into data health and usage across the organization. Be resourceful and industry-connected to identify and evaluate alternate data sources enhancing Credit Risk Models, Income Estimation, and KYC processes; report insights quarterly to the CDO. Develop and document data lineage, ER diagrams, and feature stores with standardized schemas and metadata to ensure transparent, reusable, and well-governed data assets across customer and loan journeys, supporting cross-team analytics and TendoTonik integration. Data Sourcing & Validation from external vendor portals (Telcos, Public Databases) from external vendor portals to support sourcing decisions. Vendor Collaboration & Data Partnerships: Establish and nurture data-sharing agreements with key vendors; define data requirements, formats, and SLAs. Process Improvement & Governance : Define and implement data-driven sourcing playbooks, governance policies, and standard operating procedures Identify bottlenecks in data flow and procurement processes; implement automations and process improvements. Present insights and recommendations to executives and cross-functional teams clearly and concisely. Translate business needs into data requirements ; bridge the gap between technical and non-technical stakeholders. Preferred Experience and Qualification: Bachelor's or master's Degree in computer science/ Statistics/ Data Science/ Engineering 4+ years Relevant experience in data management, data governance, or data analytics within banking/financial services , preferably in Credit Risk, Loan Operations, or Regulatory Reporting . Proficiency in SQL, Python, and Power BI ; experience with data lineage, feature stores, and metadata management , Exceptional Presentation Skills Domain Knowledge: Understanding of credit risk modeling (PD, LGD, EAD), Basel/IFRS9 frameworks, KYC, and lending processes . A collaborative team player who fosters a calm, composed work environment and aligns with organizational goals Who we are looking for: As our approach to banking is not ordinary, we need someone who: is willing to go the extra mile to achieve success embodies our core values: teamwork, honesty, reliability, a sense of humor, and street smarts is energetic and lively, bringing enthusiasm to every challenge is an innovative and creative thinker who thrives in our unconventional approach to banking About Tonik: We are a transformative digital bank with a mission to revolutionize the way money works. We create better financial products for the world by encouraging inclusivity through simplifying processes, reducing costs, improving transparency, and embracing flexibility to empower more people with unique financial needs. All these are on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company. We do not just search for the best talent, but for people who seek to challenge the status quo and are passionate about transforming the impossible into reality. Tonik (www.tonikbank.com) is the first digital-only neo bank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neo bank operates based on the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintech's across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila, Chennai, and Kyiv
Company Description Tonik is a transformative digital bank dedicated to revolutionizing banking in Southeast Asia, focusing on making financial services more accessible and user-friendly. Serving the Philippines, their digital-only platform offers deposits, loans, savings accounts, payments, and cards to meet customer needs efficiently and securely. Recognized as the Philippines' first neobank licensed by the Bangko Sentral ng Pilipinas (BSP), Tonik works to empower banking customers and the unbanked population. With a commitment to innovation and customer-first solutions, Tonik is passionate about improving financial lives through technology. Deposits are insured by the Philippine Deposit Insurance Corporation (PDIC). Role Description: The Cards Business Analyst will contribute to business and technical initiatives related to card payment authorization, clearing, settlement, tokenization, credit card billing, and testing activities utilizing MAS and related simulators. The analyst will engage in process analysis, solution design, documentation, and coordination across internal and external stakeholders. The role is ideal for professionals with 3–5 years of exposure to end-to-end card payment workflows. Qualifications BCA /BE or BTech -Computer Science or IT Or Electronics or related field. Experience working in banking, payments technology, or financial services product teams. 3–5 years’ experience in credit/debit card operations, business analysis, or payment platform development. Practical experience with payment scheme simulators—especially MasterCard Authorization Simulator (MAS)—and card transaction authorization testing. In-depth knowledge of card transaction lifecycle, including authorization, clearing, settlement, and billing. Exposure to tokenization solutions and understanding of payment security standards (PCI DSS, scheme security requirements). Familiarity with credit card statement cycles, billing operations, and dispute/chargeback management. Strong documentation, analytical, and communication skills. Experience with Agile/Scrum, project tracking tools (JIRA, Confluence), and working in cross-functional teams. Roles & Responsibilities: Analyze and document requirements for card transaction authorization, clearing, settlement, billing, and security (tokenization) processes according to scheme guidelines and business goals. Coordinate and perform authorization testing using MasterCard Authorization Simulator (MAS), including execution of functional and business test cases for card products and payment platforms. Support integration and administration of tokenization methodologies to protect cardholder data in line with PCI DSS and scheme protocols. Engage in reconciliation and validation processes for clearing and settlement, including exception handling and daily reporting. Oversee credit card billing processes: statement cycle management, transaction posting, interest and fee calculation, and dispute handling. Draft business requirement documents, functional specifications, test scripts, and user manuals for payment authorization and billing platforms. Collaborate with IT/development, QA, operations, and scheme partners to ensure project alignment and resolve system/process issues. Provide production support for card payments systems, including issue triage, troubleshooting, and root cause analysis Document production incidents, resolutions, and process improvements; report system status and production issues to stakeholders Prepare and deliver project status updates, progress reports, and ensure deliverables adhere to defined timelines. Assess and recommend improvements related to authorization tools, billing workflows, and clearing/settlement practices.
We are seeking a talented QA Automation Tester to join our team and play a crucial role in ensuring the delivery of high-quality software products. Responsibilities • Develop and execute comprehensive test plans and test cases for web and mobile applications. • Conduct thorough manual testing to identify defects and ensure product quality. • Design and implement automation test scripts using appropriate tools and frameworks. • Collaborate with BA and development teams to understand product requirements and create effective test strategies. • Identify, report, and track defects through the bug tracking system. • Analyze test results and provide detailed reports on software quality. • Stay updated with the latest testing methodologies, tools, and industry best practices. • Collaborate with cross-functional teams to ensure timely delivery of high-quality software. • Experience with database testing • Added Advantage: API/Web and Mobile Automation Testing Qualifications Experience: 3-5 years in Appium-based mobile automation. Automation Skills: Expertise in automating mobile apps (iOS and Android) using Appium, Selenium, and TestNG. Programming Languages: Proficient in Java for writing automation scripts. Mobile Testing: Solid understanding of mobile platforms, including iOS and Android ecosystems. API Testing: Experience in testing using tools like Postman and Newman Test Management: Familiar with tools such as JIRA for test case design, execution, and defect tracking. CI/CD Integration: Experience integrating automated tests with CI/CD pipelines using Jenkins, Git, Maven, or Gradle. Cross-Platform Testing: Knowledge of testing mobile apps across devices, screen sizes, and OS versions. Frameworks: Experience with Page Object Model (POM) and other design patterns for test automation frameworks. Version Control: Expertise in version control systems like Git for collaboration and code management. Soft Skills: Strong analytical, problem-solving, and communication skills, with the ability to work independently and within a team.
We are seeking a dedicated and skilled Digital Production Support Engineer to ensure the stability, availability, and performance of our digital banking systems. This role demands a high level of responsibility, with a focus on managing critical application support, sometimes requiring extended off-hours work to maintain system uptime and meet business needs. You will be integral to bridging technical teams and business stakeholders while driving continuous improvements in system performance and reliability. Responsibilities : Lead and manage the L2/L3 production support team to resolve issues and maintain system reliability. Provide high-availability application support, ensuring 24/7 uptime for critical systems, with readiness to extend work hours during urgent situations. Facilitate coordination between Operations, Product, Finance, and IT teams. Manage digital banking systems, including mobile banking platforms, API management, Core Banking, Card Management, and AML systems. Prepare, optimize, and execute SQL queries for enhanced database performance and system functionality. Generate and distribute critical reports for stakeholders. Monitor and optimize application performance using advanced monitoring tools (e.g., CloudWatch, Datadog). Work within a cloud-based environment (AWS preferred) to ensure robust and scalable infrastructure. Establish and implement ITIL best practices for effective production support management. Qualifications : 3-6 Years of proven experience with SQL query preparation and database management. Strong knowledge of digital banking systems and cloud environments (AWS preferred). Hands-on experience with monitoring tools such as CloudWatch, Datadog, or similar. Familiarity with Core Banking, Card Management, and AML systems. Availability to support high-responsibility applications, including readiness for off-hour work during critical situations. Experience in implementing ITIL best practices. Excellent problem-solving, communication and coordination skills.
Company Description Tonik is the Philippines' first officially licensed neobank, providing retail financial services such as deposits, loans, savings accounts, payments, and cards through a secure digital banking platform. Dedicated to revolutionizing how Filipinos manage money, Tonik aims to serve both existing and unbanked customers with accessible, user-friendly digital banking solutions. Operating in Southeast Asia, one of the most internet-connected regions in the world, Tonik is driven by innovation, customer-centricity, and a passion to transform financial lives. Deposits at Tonik are insured by the Philippine Deposit Insurance Corporation (PDIC), reflecting the company's commitment to security and trust. Role Description We are seeking an experienced Senior WSO2 ESB Developer to join our integration team. The ideal candidate will have a strong background in building, deploying, and maintaining integration solutions using WSO2 ESB. This role involves working on mission-critical integration projects and optimizing ESB solutions for performance, scalability, and security. Qualifications · BE/BTech /BCA -Computer Science, IT, or related discipline. · 5-8 years of experience in WSO2 ESB development and integration. · Develop RESTful and SOAP-based APIs for seamless system integration and orchestration. · Strong knowledge of WSO2 ESB components and functionality, including message mediation , API routing, and data transformation. · Proficient in Java , XML , JSON , and RESTful APIs . · Experience with SOAP and REST protocols for system integration. · Solid understanding of Service-Oriented Architecture (SOA) and integration patterns. · Hands-on experience with WSO2 Enterprise Integrator and WSO2 API Manager . · Knowledge of API security protocols like OAuth 2.0 , JWT , and API key management. Roles & Responsibilties : · Design, develop, and maintain enterprise integration solutions using WSO2 ESB . · Develop and deploy API proxies in WSO2 ESB and manage API security (OAuth 2.0, JWT, API key authentication). · Implement API routing, data transformation, and message processing to meet business requirements. · Troubleshoot and resolve integration issues, ensuring smooth communication between internal and external systems. · Optimize the performance of integration flows within WSO2 ESB to ensure high availability and efficiency. · Work on improving existing integrations, ensuring fault tolerance, and enhancing service-level agreements (SLAs).
We are seeking a talented QA Automation Tester to join our team and play a crucial role in ensuring the delivery of high-quality software products. Responsibilities Develop and execute comprehensive test plans and test cases for web and mobile applications. Conduct thorough manual testing to identify defects and ensure product quality. Design and implement automation test scripts using appropriate tools and frameworks. Collaborate with BA and development teams to understand product requirements and create effective test strategies. Identify, report, and track defects through the bug tracking system. Analyze test results and provide detailed reports on software quality. Stay updated with the latest testing methodologies, tools, and industry best practices. Collaborate with cross-functional teams to ensure timely delivery of high-quality software. Experience with database testing Added Advantage: API/Web and Mobile Automation Testing Qualifications Experience: 3-5 years in Appium-based mobile automation. Automation Skills: Expertise in automating mobile apps (iOS and Android) using Appium, Selenium, and TestNG. Programming Languages: Proficient in Java for writing automation scripts. Mobile Testing: Solid understanding of mobile platforms, including iOS and Android ecosystems. API Testing: Experience in testing using tools like Postman and Newman Test Management: Familiar with tools such as JIRA for test case design, execution, and defect tracking. CI/CD Integration: Experience integrating automated tests with CI/CD pipelines using Jenkins, Git, Maven, or Gradle. Cross-Platform Testing: Knowledge of testing mobile apps across devices, screen sizes, and OS versions. Frameworks: Experience with Page Object Model (POM) and other design patterns for test automation frameworks. Version Control: Expertise in version control systems like Git for collaboration and code management. Soft Skills: Strong analytical, problem-solving, and communication skills, with the ability to work independently and within a team.
We are seeking a dedicated and skilled Digital Production Support Engineer to ensure the stability, availability, and performance of our digital banking systems. This role demands a high level of responsibility, with a focus on managing critical application support, sometimes requiring extended off-hours work to maintain system uptime and meet business needs. You will be integral to bridging technical teams and business stakeholders while driving continuous improvements in system performance and reliability. Responsibilities : Lead and manage the L2/L3 production support team to resolve issues and maintain system reliability. Provide high-availability application support, ensuring 24/7 uptime for critical systems, with readiness to extend work hours during urgent situations. Facilitate coordination between Operations, Product, Finance, and IT teams. Manage digital banking systems, including mobile banking platforms, API management, Core Banking, Card Management, and AML systems. Prepare, optimize, and execute SQL queries for enhanced database performance and system functionality. Generate and distribute critical reports for stakeholders. Monitor and optimize application performance using advanced monitoring tools (e.g., CloudWatch, Datadog). Work within a cloud-based environment (AWS preferred) to ensure robust and scalable infrastructure. Establish and implement ITIL best practices for effective production support management. Qualifications : 3-6 Years of proven experience with SQL query preparation and database management. Strong knowledge of digital banking systems and cloud environments (AWS preferred). Hands-on experience with monitoring tools such as CloudWatch, Datadog, or similar. Familiarity with Core Banking, Card Management, and AML systems. Availability to support high-responsibility applications, including readiness for off-hour work during critical situations. Experience in implementing ITIL best practices. Excellent problem-solving, communication and coordination skills.
Job Title: Operations Data Analyst Location: DLF Cybercity, Porur, Chennai- India Experience: 3 - 6 Years About the Job: We are creating a professional and result-oriented Operations Data Analytics team in Tonik. In this role, you will play a pivotal role in supporting our operations by analyzing data, identifying trends, and providing actionable insights that will drive improvements and efficiencies across various departments. The ideal candidate will have strong analytical skills, a keen eye for detail, and the ability to communicate complex findings effectively to key stakeholders. Key Responsibilities: To be a data-adept: when the data needs are first before physiological needs in the Maslov pyramid. Data Analysis: Perform in-depth data analysis to identify trends, anomalies, and opportunities for improvement. Develop and maintain dashboards, reports, and visualizations to track key performance indicators (KPIs). Conduct root cause analysis of operational issues and present findings to relevant teams. Use statistical methods to analyze information and develop solutions to business problems Reporting: Prepare regular and ad-hoc reports for management and stakeholders, summarizing key findings and recommendations. Write memos and reports for managers to look over the findings and recommendations Predictive Analytics: Build and maintain predictive models to forecast operational metrics and trends. Use statistical techniques to analyze historical data and predict future outcomes. Capacity planning Data Collection and Management: Collect, clean, and maintain operational data from various sources, including databases, spreadsheets, and external systems. Ensure data accuracy, completeness, and consistency. Process Improvement: Collaborate with cross-functional teams to identify process improvement opportunities based on data insights. Assist in designing and implementing process changes to increase efficiency and reduce costs. Data Integrity and Security: Ensure the confidentiality, integrity, and security of sensitive operational data. Follow best practices for data handling and compliance with relevant regulations. Continuous Learning: Stay up to date with industry trends, emerging technologies, and best practices in data analysis and operations management. Qualifications: • Proficiency in data analysis tools and software. Advanced level in MS Power BI (creating new reports from scratch) and SQL (creating DataMart's, data preprocessing). Strong MS Excel knowledge. Also, Python skills will be an advantage for candidates, but they are not a must-have. • Bachelor's degree in a related field (e.g., Data Science, Business Analytics, Operations Management). • Proven experience as a data analyst or related role in a bank • Critical thinking to determine what data and information is useful for the task • Problem-solving skills to find multiple viable solutions for a challenge • Excellent communication and presentation skills (Power BI & PowerPoint confident user) • Ability to work independently and collaboratively in a team environment. • Knowledge of operations management concepts is a plus. Who are we looking for? Willingness to go the extra mile for success. A talented individual who embodies our company’s core values of teamwork, honesty, reliability, sense of humor and street smart Energetic and lively. As our approach to banking is far from ordinary, we are looking for an innovative and creative individual to join our team. About the Job: We are a transformative digital bank with a mission to revolutionize the way money works. We create better financial products for the world by encouraging inclusivity through simplifying processes, reducing costs, improving transparency, and embracing flexibility to empower more people with unique financial needs. All these are on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company. We do not just search for the best talent, but for people who seek to challenge the status quo and are passionate about transforming the impossible into reality. Tonik (www.tonikbank.com) is the first digital-only neo bank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neo bank operates based on the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintech’s across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila, Chennai, and Kyiv.