Tonik Executive and Leadership Team

Greg Krasnov, the Founder & Chief Executive Officer at Tonik, directs the overarching vision and strategic trajectory of the organization. By leveraging a full banking license from the Bangko Sentral ng Pilipinas, Krasnov architects the neobank's expansion into digital-only financial services. This leadership role involves maintaining strong relationships with global investors like Mizuho Bank and Point72 Ventures to ensure sustained capital growth. Overseeing the integration of loans, deposits, and embedded finance, the Founder & Chief Executive Officer drives the company's mission to modernize banking accessibility. Through constant innovation in mobile-first product development, the executive ensures Tonik remains at the forefront of the Philippine fintech sector. By aligning corporate goals with market demands, the Founder & Chief Executive Officer secures the long-term viability of the platform while fostering a culture of digital excellence across all regional operations.

Bryan Luis, the Chief Financial Officer at Tonik, manages the fiscal health and capital allocation strategies required to support rapid digital growth. By monitoring liquidity ratios and banking compliance standards, the Chief Financial Officer ensures the organization maintains robust financial stability within the Philippine market. This role involves coordinating with global investment partners to optimize funding structures for loan portfolios and deposit products. Luis oversees the internal audit processes and financial reporting frameworks that underpin the neobank's operational integrity. By analyzing market trends and economic indicators, the Chief Financial Officer provides the data-driven insights necessary for executive decision-making. Through rigorous management of the balance sheet, the executive supports the broader mission of delivering accessible financial services. Ultimately, Luis strengthens the company's market position by maintaining fiscal discipline while enabling the scaling of innovative digital banking solutions.

Bryan San Luis, the Chief Financial Officer, Tonik Digital Bank Inc (Philippines) at Tonik, focuses on the localized financial operations and regulatory reporting requirements within the Philippine jurisdiction. By managing local tax compliance and treasury functions, the Chief Financial Officer, Tonik Digital Bank Inc (Philippines) ensures the bank adheres to all Bangko Sentral ng Pilipinas mandates. This role involves overseeing the financial planning and analysis for regional product launches, including loan and deposit initiatives. San Luis coordinates with local stakeholders to ensure the accuracy of financial statements and the efficiency of regional capital management. By providing granular financial oversight, the executive supports the broader organizational goal of sustainable growth in the local market. Through the rigorous monitoring of regional expenditures and revenue streams, San Luis enables the company to maintain a competitive edge while navigating the complexities of the Philippine banking environment.

Todd Esposito, the Group Chief Financial Officer & Board Member at Tonik, directs the global financial strategy and governance frameworks that guide the entire organization. By participating in board-level decision-making, the Group Chief Financial Officer & Board Member ensures that long-term financial objectives align with the interests of global investors. This role involves overseeing the consolidated financial health of the group and managing relationships with international financial institutions. Esposito provides strategic guidance on capital structure and investment priorities to support the company's expansion goals. By evaluating the financial impact of new market entries and product innovations, the executive ensures the bank maintains a strong global footprint. Through the oversight of corporate governance and financial transparency, the Group Chief Financial Officer & Board Member upholds the integrity of the institution. Ultimately, Esposito secures the financial foundation necessary for the company to thrive as a leading digital-only neobank.

Tomasz Borowski, the Chief Operating Officer at Tonik, manages the day-to-day operational workflows and internal processes that enable efficient service delivery. By streamlining customer onboarding and loan processing cycles, the Chief Operating Officer ensures the neobank maintains high levels of operational agility. This role involves coordinating cross-functional teams to optimize the delivery of deposit and credit products across the Philippine market. Borowski oversees the implementation of operational risk management frameworks to ensure compliance with banking standards. By analyzing performance metrics, the executive identifies bottlenecks and executes improvements to enhance overall service quality. Through the management of internal resources and operational infrastructure, the Chief Operating Officer supports the company's mission of providing a frictionless mobile banking experience. Ultimately, Borowski drives the operational excellence necessary to scale the business while maintaining the high standards expected of a licensed digital bank.

Long Pineda, the Country President at Tonik, leads the overall business strategy and market execution within the Philippines. By overseeing the expansion of the customer base and the adoption of digital banking services, the Country President drives the company's growth in the local market. This role involves managing relationships with local regulators, industry partners, and community stakeholders to ensure the bank's continued success. Pineda coordinates with internal departments to align product offerings with the specific financial needs of the Philippine population. By fostering a strong brand presence and customer loyalty, the executive ensures the bank remains the preferred choice for digital financial services. Through the strategic management of regional operations, the Country President supports the company's mission of democratizing banking access. Ultimately, Pineda secures the market position of the organization by executing initiatives that promote financial inclusion and digital literacy across the country.

Sateesh Reddy, the Chief Technology Officer at Tonik, leads the development and maintenance of the secure, mobile-first banking infrastructure. By architecting scalable cloud solutions, the Chief Technology Officer ensures the platform handles high-volume transactions with maximum reliability and speed. This leadership role involves overseeing the engineering teams responsible for the integration of embedded finance features and user-facing mobile applications. Reddy manages the cybersecurity protocols necessary to protect sensitive customer data in accordance with Bangko Sentral ng Pilipinas regulations. By fostering a culture of continuous technical improvement, the executive drives the deployment of new features that enhance the digital banking experience. Through the alignment of technical roadmaps with business objectives, the Chief Technology Officer supports the company's goal of providing seamless financial access. Ultimately, Reddy maintains the technological edge required to compete in the evolving Philippine fintech landscape.

Melvin Ramis, the Chief Technology Officer (Ph) at Tonik, manages the localized technical operations and infrastructure specific to the Philippine market. By overseeing the deployment of regional banking features, the Chief Technology Officer (Ph) ensures the platform meets the unique needs of local users while maintaining high security standards. This role involves coordinating with local engineering teams to optimize the mobile application's performance and reliability. Ramis manages the integration of local payment gateways and financial services to enhance the user experience. By monitoring regional system uptime and technical support requirements, the executive ensures seamless service delivery across the country. Through the alignment of local technical initiatives with the company's broader digital mission, Ramis supports the growth of the neobank's customer base. Ultimately, the Chief Technology Officer (Ph) drives the technical innovation required to maintain a dominant position in the Philippine digital banking sector.

Vane Macatangay, the Group Deputy Chief People Officer, Ph Country Human Resources Head at Tonik, directs the talent acquisition, employee development, and organizational culture initiatives. By architecting human resources strategies that attract top-tier talent, the Group Deputy Chief People Officer, Ph Country Human Resources Head ensures the company maintains a high-performing workforce. This role involves overseeing the implementation of performance management systems and employee engagement programs that support the company's mission. Macatangay manages the regional HR operations to ensure compliance with local labor laws and internal corporate policies. By fostering an inclusive and innovative work environment, the executive drives the organizational culture necessary for digital transformation. Through the alignment of human capital strategies with business objectives, the Group Deputy Chief People Officer, Ph Country Human Resources Head supports the scaling of the neobank's operations. Ultimately, Macatangay ensures the organization retains the expertise required to lead in the competitive fintech industry.