Our Company

Redefining debt collection begins with creating personalised, digital-first experiences that help consumers overcome their financial difficulties.

Our Company

Founded in 2016, Flow is a credit management company that is transforming the business of unsecured consumer finance through AI technologies and ethical practices in Asia.

Flow’s data-driven collection strategies have proven, remarkable recovery rates for top financial institutions and technology companies and have supported over 2.8 million customers to date.


Powered by data on consumer behaviour, Flow's in-house credit and collections software determines the most effective outreach for all stages of the delinquency cycle. Combining machine learning with customer-centric operational processes, Flow Platform is built on deep market understanding and the best practices of the industry.

We service debt ledgers at large volume using advanced contact methods and ethical, digital collection strategies. Expect higher right-party contacts and increased recoveries.


Management Team

Group Managers

  • Przemek Januszaniec
    Przemek Januszaniec
    Chief Executive Officer
  • Mayuri Sathyan
    Mayuri Sathyan
    Group Finance Director

Country Managers

  • Denys Kravchuk
    Denys Kravchuk
    Collection Strategy Head & Country Head - Indonesia
  • Nguyen Thi Thuy Lieu
    Nguyen Thi Thuy Lieu
    Country Head - Vietnam
  • Nilesh Shenoy
    Nilesh Shenoy
    Country Head - India

Support Functions Managers

  • Sergey Tyshenko
    Sergey Tyshenko
    Group IT Infrastructure and Operations Lead/CISO
  • Vicktor Ilyashov
    Victor Ilyashov
    Head of IT Development
  • Valeria Mogushcha
    Valeria Mogushcha
    Head of Operational Risk
  • Iaroslav Boiko
    Iaroslav Boiko
    Head of Portfolio Supporting Unit