Our Company

Redefining credit management 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.


In Flow, we aim to transform the credit ecosystem through ethical collection. By leveraging on technology and big data, we execute effective debt collection processes that ensure fair treatment of consumers.

We also strongly believe that ethical lending has significant impact on a borrower's indebtedness and strictly only work with ethical lenders. Debt collection issues can be challenging and stressful. We are committed to promoting responsible collection and financial inclusion to empower consumers in underserved economies.


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