Maninder Sabharwal

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.

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.

A formidable global conglomerate, LOLC Holdings has strategically diversified into key economic growth sectors across financial services, leisure, agriculture and plantations, construction and real estate, manufacturing and trading, technology, research and innovation and strategic investments. The LOLC Group is on an accelerated growth trajectory and is inspired by the quest to nurture and shape the future of individuals and communities across the world. As a leading player in the International MSME sector, the LOLC Group has been a catalyst in facilitating, whilst striving to maximise environmental benefits through green financing, promoting financial independence for women and uplifting customers from poverty through financial inclusion in global markets. In keeping with its alignment to UN Sustainable Development Goals, LOLC is a catalyst of economic development as a responsible lender while maintaining strong client protection principles. Transforming communities in the South and South East Asian markets, the LOLC Group has made giant strides to entrench its footprint across Africa and Central Asia. The Group has already built its reputation as one of the largest multi-currency, multi-geography inclusive finance platform in the world, backed by advanced tech platforms designed by its fully-owned subsidiary companies which have now been successfully adopted across borders.