Building an ecosystem serving consumers, enterprises and merchants.
Headquartered in Singapore, Advance Intelligence Group is an Al-driven technology company. Today, we are a Series D-backed company with presence across 14 markets: Singapore, Indonesia, Philippines, Hong Kong, Malaysia, Vietnam, Mainland China, India, Thailand, Taiwan, Mexico, Pakistan, Colombia, Nigeria.
14
markets
1,900
+
employees
700
+
enterprise clients
100,000
+
merchants
20m
+
consumers
1+3+5 = #OneAdvance
Our company culture is built on a simple formula:
1+3+5 = #OneAdvance.
1 vision and mission is our foundation.
3 principles and 5 values are our core.
Together, they make up who we are and what we stand for, which in turn explains why we do what we do.
1Vision & Mission
Vision
Advance with intelligence for a better life.
Mission
Make products, services and opportunities accessible and affordable to everyone and every business.
3Principles
Customer-Centric
Our customers are at our centre. Everything we do revolves around solving their problems and exceeding their wants. We do this by listening to and understanding their everyday needs and challenges.
Data-Centric
Data drives our business, underpins our decisions and enables us to create intelligent solutions that make the lives of our clients, merchants and consumers so much better.
People-Centric
We are here today because of our people. We value meaningful participation and strive to build a culture of respect, diversity and equality so our people can shine to the best of their abilities.
5Values
Innovation
We foster an Innovation mindset.
Efficiency
We achieve results with Efficiency and excellence.
Quality
We take pride in the Quality of our work.
Integrity
We uphold Integrity in all that we do.
Collaboration
We embrace Collaboration to work across business lines and borders.
Our leadership
Jefferson ChenGroup Co-founder & Group Chairman and CEO & Atome Financial CEO
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Jefferson Chen
Group Co-founder, Chairman and Chief Executive Officer, Advance Intelligence Group
CEO, Atome Financial
Partner, GSR Ventures
Jefferson is a Partner at GSR Ventures, a leading venture capital firm in China focused on early-stage technology firms. He was head of private investing for Greater China at Farallon Capital and Senior Analyst at Goldman Sachs where he executed IPO and M&A transactions for many Asian companies. He holds an MBA from Stanford University and a bachelor's degree in Computer Science from Tsinghua University.
Dong ShouGroup Co-founder & ADVANCE.AI CEO
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Dong Shou
Group Co-founder and Chief Executive Officer, ADVANCE.AI
Dong was previously Partner and Vice President of Engineering at Wecash, one of the leading fintech startups in China. Before Wecash, Dong worked as a senior engineer at Amazon Web Services and IBM. He holds master's degrees in Computer Science from both Tsinghua University and Penn State University.
Chun Dong ChauGroup Co-founder & Atome Financial Deputy CEO
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Chun Dong Chau
Group Co-founder and Deputy Chief Executive Officer, Atome Financial
Chun was a Partner at Crystal Horse Investments, an angel investment firm in Singapore. He was previously a director at leading lending and invoice financing platform Capital Match and owned several internet businesses under depeach.com. He holds a PhD degree in Mathematics and Natural Sciences from Leiden University and a master's degree in Applied Mathematics from the University of Technology Eindhoven.
David ChenGroup Co-founder & Atome CEO
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David Chen
Group Co-founder and Chief Executive Officer, Atome
David is a former professor with a PhD degree from the University of Washington and a master's degree from Fudan University, both in Computer Science. He served as Chair Professor at Shanghai Jiaotong University and Tenured Associate Professor at Nanyang Technological University, where he specialised in algorithm design and analysis, optimisation and data analytics. He co-founded Singapore consumer lifestyle app Nestia.
Tongtong LiGroup Co-founder & Group Chief Talent Officer & Chief of Staff
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Tongtong Li
Group Co-founder, Chief Talent Officer and Chief of Staff, Advance Intelligence Group
As a serial entrepreneur, Tongtong founded two information service companies which provided banks and the insurance and telco industries with data and information services. Both companies became profitable within a year and were acquired. In 2015, she joined Advance Intelligence Group where she leads human resource management.
Mi LiGroup CMO
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Mi Li
Chief Marketing Officer, Advance Intelligence Group
Mi was Senior Vice President of Marketing and Events at South China Morning Post. Before that, she was Global Head of Business Partnerships and Content Marketing at the Financial Times working in both New York and London. She holds a master's degree in Journalism and Advertising from the University of Missouri and a bachelor's degree in Journalism from Communication University of China.
Lei ChenGroup CFO
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Lei Chen
Chief Financial Officer, Advance Intelligence Group
Lei is a veteran investment banker who has held roles in Goldman Sachs and Credit Suisse across risk management, portfolio management, trading and transaction structuring. He has a wealth of transactional and risk management experience including IPOs, take-privates, M&As and structured financing. Prior to banking, Lei was a published academic in the field of accounting. He also co-founded the premier integrated HR management & payroll platform, ZipHR. Lei holds a Bachelor of Commerce (1st Class Honours) from the University of New South Wales.
Xiaoguang WangGroup CTO
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Xiaoguang Wang
Chief Technology Officer, Advance Intelligence Group
Xiaoguang was the co-founder of Yiqizuoye and served as Chief Technology Officer of Jumei. He holds a master's and bachelor's degree in Computer Science from Tsinghua University.
Bernard ChanGroup Chief Strategy Officer
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Bernard Chan
Chief Strategy Officer, Advance Intelligence Group
Bernard previously worked in structured credit trading and commodities trading at Morgan Stanley in London and also served as Head of Business Development at Lion City Applied Science. He holds a master's degree in Electrical and Financial Engineering from Stanford University.
Lukas CivinGroup Chief Data Officer
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Lukas Civin
Chief Data Officer, Advance Intelligence Group
Prior to joining the Advance Intelligence Group, Lukas spent over thirteen years at Home Credit Group in various roles, including Chief Risk Officer in Czech Slovak Republic and the US, and Head of Software development of Risk systems for the group. He holds master's degree in Computer Science from Charles University in Prague.
Sherry ZhangGroup General Counsel
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Sherry Zhang
General Counsel, Advance Intelligence Group
Sherry is a qualified lawyer with over 12 years of experience in top tier international law firms and financial institutions. She was a banking and finance lawyer in Hong Kong for Herbert Smith Freehills and King & Wood Mallesons. One of the founding members of China Huarong International's Hong Kong legal team, she holds bachelor's and master's degrees in Law from the University of Hong Kong.
Leon KangGinee CEO
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Leon Kang
Chief Executive Officer, Ginee
Leon was General Manager of Weidian's international business department and Product Manager of Qudian Group, which he helped list on the New York Stock Exchange. Prior to joining Advance Intelligence Group, he founded Beijing Yue Lai Technology Co. Ltd and serves as Chief Executive Officer.
Wawan SalumAtome Financial Indonesia CEO
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Wawan Salum
Chief Executive Officer, Atome Financial Indonesia
Prior to serving as Managing Director of DBS Consumer Banking Group in Indonesia, Wawan was Consumer Banking Director at HSBC. Before that, Wawan was Cards Marketing Directorat Citibank for over seven years. He received a bachelor's degree in Mathematics from Bandung Institute of Technology and an MBA from IPMI International Business School.
Richard ChenAtome Financial China CEO
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Richard Chen
Chief Executive Officer, Atome Financial China
Richard served as Chief Operations Officer at PPmoney and Chief Risk and Strategy Officer at Qiancheng Tech. He spent 11 years in Canada with Capital One bank, heading data solutions. He holds a master's degree from McGill University and a bachelor's degree from Shanghai Jiaotong University, both in Computer Science. Richard is a CFA charterholder and certified PMP.
Trina YeungAtome Financial CFO
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Trina Yeung
Chief Financial Officer, Atome Financial
Trina started her career with Merrill Lynch Asset Management before moving to Coller Capital, a London-headquartered private equity firm. Trina also had stints working for Morgan Stanley and Lion City Capital, as Chief Investment Officer of the single-family office. Trina holds an MBA from INSEAD, a Bachelor of Science in Economics from the London School of Economics and is a CFA charterholder.
Fanglin WangADVANCE.AI Head of Artificial Intelligence
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Fanglin Wang
Head of Artificial Intelligence, ADVANCE.AI
Fanglin was previously Associate Director of Video Analytics and Machine Learning at NCS Group and Chief Technology Officer at KAI Square. A Research Fellow at the National University of Singapore, he holds a PhD degree in Pattern Recognition and Intelligent System from Shanghai Jiao Tong University and a master's degree in Control Theory and Control Engineering from Harbin Institute of Technology.
M. Umair JavedGroup Senior Vice President, Head of M&A and Corporate Development
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M. Umair Javed
Group Senior Vice President, Head of M&A and Corporate Development
Umair has over 15 years of experience working in New York, London and Singapore for several financial institutions, including Goldman Sachs, Citi and Bank of America Merrill Lynch. He holds a MSc from the University of Oxford, UK and a bachelor's degree from Grinnell College, USA.
Ryan LiuGroup Senior Vice President, Atome Financial Chief Risk Officer
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Ryan Liu
Group Senior Vice President, Atome Financial Chief Risk Officer
Ryan has over 20 years of domestic and international risk management experience , focusing on the financial industry. He was previously Senior Vice President and Chief Risk Officer of Lexin. Before that, he was the Private Banking General Manager ( Zhejiang Province ) of PingAn Bank, Executive Director of PingAn Trust and Head of Risk of Societe Generale Private Bank. During his tenures as the Chief Risk Officer, he successfully brought a start-up company to Nasdaq in 4 years. He holds a MSc in Informatics from the University of Edinburgh and a BSc in Apply mathematics & Statistics from Zhejiang University.
Jefferson ChenGroup Co-founder & Group Chairman and CEO & Atome Financial CEO
Jefferson Chen
Group Co-founder, Chairman and Chief Executive Officer, Advance Intelligence Group
CEO, Atome Financial
Partner, GSR Ventures
-
Jefferson is a Partner at GSR Ventures, a leading venture capital firm in China focused on early-stage technology firms. He was head of private investing for Greater China at Farallon Capital and Senior Analyst at Goldman Sachs where he executed IPO and M&A transactions for many Asian companies. He holds an MBA from Stanford University and a bachelor's degree in Computer Science from Tsinghua University.
Dong ShouGroup Co-founder & ADVANCE.AI CEO
Dong Shou
Group Co-founder and Chief Executive Officer, ADVANCE.AI
-
Dong was previously Partner and Vice President of Engineering at Wecash, one of the leading fintech startups in China. Before Wecash, Dong worked as a senior engineer at Amazon Web Services and IBM. He holds master's degrees in Computer Science from both Tsinghua University and Penn State University.
Chun Dong ChauGroup Co-founder & Atome Financial Deputy CEO
Chun Dong Chau
Group Co-founder and Deputy Chief Executive Officer, Atome Financial
-
Chun was a Partner at Crystal Horse Investments, an angel investment firm in Singapore. He was previously a director at leading lending and invoice financing platform Capital Match and owned several internet businesses under depeach.com. He holds a PhD degree in Mathematics and Natural Sciences from Leiden University and a master's degree in Applied Mathematics from the University of Technology Eindhoven.
David ChenGroup Co-founder & Atome CEO
David Chen
Group Co-founder and Chief Executive Officer, Atome
-
David is a former professor with a PhD degree from the University of Washington and a master's degree from Fudan University, both in Computer Science. He served as Chair Professor at Shanghai Jiaotong University and Tenured Associate Professor at Nanyang Technological University, where he specialised in algorithm design and analysis, optimisation and data analytics. He co-founded Singapore consumer lifestyle app Nestia.
Tongtong LiGroup Co-founder & Group Chief Talent Officer & Chief of Staff
Tongtong Li
Group Co-founder, Chief Talent Officer and Chief of Staff, Advance Intelligence Group
-
As a serial entrepreneur, Tongtong founded two information service companies which provided banks and the insurance and telco industries with data and information services. Both companies became profitable within a year and were acquired. In 2015, she joined Advance Intelligence Group where she leads human resource management.
Mi LiGroup CMO
Mi Li
Chief Marketing Officer, Advance Intelligence Group
-
Mi was Senior Vice President of Marketing and Events at South China Morning Post. Before that, she was Global Head of Business Partnerships and Content Marketing at the Financial Times working in both New York and London. She holds a master's degree in Journalism and Advertising from the University of Missouri and a bachelor's degree in Journalism from Communication University of China.
Lei ChenGroup CFO
Lei Chen
Chief Financial Officer, Advance Intelligence Group
-
Lei is a veteran investment banker who has held roles in Goldman Sachs and Credit Suisse across risk management, portfolio management, trading and transaction structuring. He has a wealth of transactional and risk management experience including IPOs, take-privates, M&As and structured financing. Prior to banking, Lei was a published academic in the field of accounting. He also co-founded the premier integrated HR management & payroll platform, ZipHR. Lei holds a Bachelor of Commerce (1st Class Honours) from the University of New South Wales.
Xiaoguang WangGroup CTO
Xiaoguang Wang
Chief Technology Officer, Advance Intelligence Group
-
Xiaoguang was the co-founder of Yiqizuoye and served as Chief Technology Officer of Jumei. He holds a master's and bachelor's degree in Computer Science from Tsinghua University.
Bernard ChanGroup Chief Strategy Officer
Bernard Chan
Chief Strategy Officer, Advance Intelligence Group
-
Bernard previously worked in structured credit trading and commodities trading at Morgan Stanley in London and also served as Head of Business Development at Lion City Applied Science. He holds a master's degree in Electrical and Financial Engineering from Stanford University.
Lukas CivinGroup Chief Data Officer
Lukas Civin
Chief Data Officer, Advance Intelligence Group
-
Prior to joining the Advance Intelligence Group, Lukas spent over thirteen years at Home Credit Group in various roles, including Chief Risk Officer in Czech Slovak Republic and the US, and Head of Software development of Risk systems for the group. He holds master's degree in Computer Science from Charles University in Prague.
Sherry ZhangGroup General Counsel
Sherry Zhang
General Counsel, Advance Intelligence Group
-
Sherry is a qualified lawyer with over 12 years of experience in top tier international law firms and financial institutions. She was a banking and finance lawyer in Hong Kong for Herbert Smith Freehills and King & Wood Mallesons. One of the founding members of China Huarong International's Hong Kong legal team, she holds bachelor's and master's degrees in Law from the University of Hong Kong.
Leon KangGinee CEO
Leon Kang
Chief Executive Officer, Ginee
-
Leon was General Manager of Weidian's international business department and Product Manager of Qudian Group, which he helped list on the New York Stock Exchange. Prior to joining Advance Intelligence Group, he founded Beijing Yue Lai Technology Co. Ltd and serves as Chief Executive Officer.
Wawan SalumAtome Financial Indonesia CEO
Wawan Salum
Chief Executive Officer, Atome Financial Indonesia
-
Prior to serving as Managing Director of DBS Consumer Banking Group in Indonesia, Wawan was Consumer Banking Director at HSBC. Before that, Wawan was Cards Marketing Directorat Citibank for over seven years. He received a bachelor's degree in Mathematics from Bandung Institute of Technology and an MBA from IPMI International Business School.
Richard ChenAtome Financial China CEO
Richard Chen
Chief Executive Officer, Atome Financial China
-
Richard served as Chief Operations Officer at PPmoney and Chief Risk and Strategy Officer at Qiancheng Tech. He spent 11 years in Canada with Capital One bank, heading data solutions. He holds a master's degree from McGill University and a bachelor's degree from Shanghai Jiaotong University, both in Computer Science. Richard is a CFA charterholder and certified PMP.
Trina YeungAtome Financial CFO
Trina Yeung
Chief Financial Officer, Atome Financial
-
Trina started her career with Merrill Lynch Asset Management before moving to Coller Capital, a London-headquartered private equity firm. Trina also had stints working for Morgan Stanley and Lion City Capital, as Chief Investment Officer of the single-family office. Trina holds an MBA from INSEAD, a Bachelor of Science in Economics from the London School of Economics and is a CFA charterholder.
Fanglin WangADVANCE.AI Head of Artificial Intelligence
Fanglin Wang
Head of Artificial Intelligence, ADVANCE.AI
-
Fanglin was previously Associate Director of Video Analytics and Machine Learning at NCS Group and Chief Technology Officer at KAI Square. A Research Fellow at the National University of Singapore, he holds a PhD degree in Pattern Recognition and Intelligent System from Shanghai Jiao Tong University and a master's degree in Control Theory and Control Engineering from Harbin Institute of Technology.
M. Umair JavedGroup Senior Vice President, Head of M&A and Corporate Development
M. Umair Javed
Group Senior Vice President, Head of M&A and Corporate Development
-
Umair has over 15 years of experience working in New York, London and Singapore for several financial institutions, including Goldman Sachs, Citi and Bank of America Merrill Lynch. He holds a MSc from the University of Oxford, UK and a bachelor's degree from Grinnell College, USA.
Ryan LiuGroup Senior Vice President, Atome Financial Chief Risk Officer
Ryan Liu
Group Senior Vice President, Atome Financial Chief Risk Officer
-
Ryan has over 20 years of domestic and international risk management experience , focusing on the financial industry. He was previously Senior Vice President and Chief Risk Officer of Lexin. Before that, he was the Private Banking General Manager ( Zhejiang Province ) of PingAn Bank, Executive Director of PingAn Trust and Head of Risk of Societe Generale Private Bank. During his tenures as the Chief Risk Officer, he successfully brought a start-up company to Nasdaq in 4 years. He holds a MSc in Informatics from the University of Edinburgh and a BSc in Apply mathematics & Statistics from Zhejiang University.
Milestones
2021
2020
2019
2018
2017
2016
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Honours
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Investors
Greg Moon
Managing Partner at SoftBank Investment Advisers
Powered by AI and big data, Advance Intelligence Group provides a diverse suite of financial products and services to consumers and enterprises across Southeast Asia.
The Group’s AI-first approach has enabled them to provide innovative solutions and develop new product avenues to create value. We are delighted to partner with Jefferson and his team to support their mission of developing financial services that are both accessible and affordable.
Saurabh Agarwal
Managing Director of Warburg Pincus
We are excited to enter into this partnership with Advance Intelligence Group and its exceptional leadership team which has a strong track record in AI-based digital lending, technology and risk management. Asia represents one of the largest and fastest growing digital markets globally with a highly connected middle-class population that’s increasingly seeking reliable and flexible solutions to address their unmet credit needs.
We believe the Group is well positioned to capture the tremendous growth opportunity in the region with its best-in-class product offerings and differentiated go-to-market strategy. We look forward to collaborating closely with the management team to grow the Group into the leading AI-powered credit marketplace and undisputed leader in digital financial services.
Patrick Walujo
Co-Founder and Managing Partner of Northstar
We have known and worked closely with Jefferson and his team since Advance Intelligence Group was founded in 2016 and have witnessed first-hand the team’s impressive execution as the company grew from a SaaS-focused analytics solutions provider to Indonesia’s top digital lending platform, and now building its fast-growing BNPL and omnichannel ecommerce enabler business lines.
We are delighted to continue partnering management to grow the Group into Asia’s leading AI-powered digital financial services company.