Consumer finance veteran joins Tonik’s leadership team as Group COO


SINGAPORE, July 26, 2022 /PRNewswire/ — Tonik announced today Tomasz Borowski strengthens the management team as Group Chief Operations Officer (COO). Most recently, Tomasz, co-founder and CEO of leading Asian fintech credit management company FLOW, was instrumental in overseeing the launch of FLOW in three markets South East Asia, and achieving profitability ahead of Series B, the first such feat by a fintech in the region. With surgeries in it Vietnam, Indonesiaand IndiaFLOW has redefined debt collection South East Asia through the use of AI technologies, ethical practices and data-driven insights.

Tomasz brings to Tonik approximately 20 years of experience in consumer finance, primarily focused on building an efficient operation. Before you come to Asia To build FLOW, Borowski gained extensive consumer finance experience in emerging Europe at market-leading institutions such as GE Capital, Raifessen Bank and Platinum Bank. His knowledge of world-class standards and technologies to achieve high levels of efficiency in consumer finance will help Tonik take its operational excellence to a new level.

“Tomasz is an experienced global leader in the consumer banking and fintech industries, particularly in scaling new businesses in emerging markets. Having worked with him on various ventures over the years before, I am confident that his arrival is perfectly timed as we prepare to increase our operational efficiencies in the second half of 2022,” says Tonik Founder and CEO Greg Krasnov.

“Tonik’s groundbreaking entry marked a shift towards digital banking as the easier, faster and preferred way to drive financial inclusion the philippines. As an angel investor in Tonik’s seed stage, I have followed his journey very closely and am confident that my expertise is timely to help Tonik scale. It is also a perfect time for me to move into a non-executive role at FLOW which recently reached profitability and is now ready to move forward under new daily leadership. I’m excited to be part of Tonik’s groundbreaking journey, applying best operational practices from around the world as we continue to revolutionize the way money works across the region,” said Borowski.

As Group COO, Tomasz will be based in Singapore and employed by Tonik’s holding company, Tonik Financial Pte Ltd, while working closely with the operations team at Tonik Digital Bank Inc, Tonik’s regulated subsidiary in Tonik the philippines.

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About tonic

Tonik is the first purely digital neobank in the philippines, which provides consumer lending, deposit and payment products on a highly secure digital banking platform. The Neobank works on the basis of the first digital banking license issued by the Bangko Sentral ng Pilipinas (BSP). Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintechs in global emerging markets. It is backed by top international investors including Sequoia India, Point72 Ventures and Mizuho Bank. Tonik’s tech stack will be integrated in partnership with top-tier banking tech providers such as Mastercard, Finastra, Amazon Web Services, Google and Daon. Tonik operates from turnstiles in Singapore (headquarters), manilaand Chennai.


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