Tonik has announced that Tomasz Borowski is joining the leadership team as Group Chief Operations Officer (COO).

Tomasz was most recently the Co-Founder and CEO of Asian fintech credit management leader FLOW, where he was important in overseeing FLOW’s rollout throughout three Southeast Asian markets, as well as achieving profitability prior to Series B, the region’s first such feat. FLOW has redefined debt collection in Southeast Asia by utilizing AI technologies, ethical practices, and data-driven insights.

Tomasz brings to Tonik over 20 years of consumer finance experience, with an emphasis on establishing efficient operations. Borowski gained substantial expertise in Consumer Finance across Emerging Europe before to coming to Asia to build FLOW, at market-leading institutions such as GE Capital, Raifessen Bank, and Platinum Bank. His knowledge of world standards and technologies for reaching high levels of efficiency in consumer finance will assist Tonik in achieving new heights of operational excellence.

As a 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 of Tonik Digital Bank Inc, Tonik’s regulated bank subsidiary in the Philippines.