Kredivo Group
Raymond Apolonio is a seasoned professional in operations and business management with extensive experience in various leadership roles. Currently serving as Country Launcher and Head of Operations at Kredivo Group since July 2024, Raymond previously held the position of Head of Business Operations at TrueMoney Philippines from September 2020 to July 2024. Raymond's career includes significant contributions as Process Manager (Regional Chief Technology Operations) at Oriente, Operations Manager at Home Credit Philippines, and Accounts Head at POST AD VENTURES INC. Additionally, Raymond served as Operations Supervisor at 51Talk, where responsibilities included overseeing sales operations and leading teams to achieve performance targets. Raymond holds a Bachelor of Science in Nursing from Perpetual Help College Manila.
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Kredivo Group
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Kredivo Group is Southeast Asia’s leading provider of digital financial services through its brands Kredivo, KrediFazz and Krom. Kredivo is the leading digital credit platform in Indonesia and Vietnam that gives customers instant credit financing for ecommerce and offline purchases, and personal loans, based on real-time decisioning. Kredivo users can buy now and pay later across the entirety of Indonesia’s retail commerce network with one of the lowest interest rates amongst digital credit providers in the country. Krom Bank Indonesia (formerly known as Bank Bisnis Internasional, IDX: BBSI) is the group’s bank entity and the operator of the soon-to-be-launched Indonesian neobank Krom. Kredivo Group is backed by leading financial and strategic investors such as Mizuho Financial Group, Square Peg Capital, Jungle Ventures, Naver Corp, Mirae Asset, Telkom Indonesia and Victory Park Capital among others.