Flow is a credit management company that is transforming the business of unsecured consumer finance through AI technologies and ethical practices in the APAC region. One-size-fits-all approach of traditional debt collection is limiting for both lenders and borrowers. Hence, redefining debt collection begins with creating personalised, digital-first experiences that help consumers overcome their financial difficulties. 

Flow’s data-driven collection strategies have proven, remarkable recovery rates for top financial institutions and technology companies and we have supported over 2.8 million consumers to date. At Flow, we are committed to promoting ethical debt collection and improving financial literacy through customer education. Headquartered in Singapore, the company launched its first operations in Vietnam in 2016 and has since expanded to Indonesia and India.

Credit

FLOW- Ethical Credit Management

Przemek Januszaniec

Irina Malysheva

Nguyen Thi Thuy Lieu

Valeria Mogushcha

Mayuri Sathyan

Iaroslav Boiko

The Finance and Operations team at FLOW oversees the financial health and operational efficiency of the organization. They manage budgeting, forecasting, and financial reporting to ensure sustainable growth, while also enhancing technology infrastructure and coordinating administrative functions. By supporting strategic initiatives and optimizing resource allocation, this team plays a crucial role in enabling Flow’s mission of ethical credit management across the APAC region.

Finance and Operations

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Team members