Our People

Atul Garg- Principal Founder & CEO​

Atul has over 25 years of banking and payments experience with Bank of America and American Express. He is a Post Graduate Diploma in Business Management from the Indian Institute of Management, Ahmedabad and a Mechanical Engineer from Birla Institute of Technology & Science, Pilani , India. His general management and leadership qualities were sharpened while leading the network business for American Express in Korea, Indian Sub-Continent and ASEAN. His track record of growing market share in both developed and developing economies across Asia will be instrumental in his vision of introducing SingX to the world.

Deepika Deshpande- Chief Operating Officer

Deepika is a financial services industry professional with 26 years of experience at Citibank followed by an assignment at a Singapore-based fintech where she served as Chief Operating Officer. Her career at Citi spanned multiple geographies and senior leadership roles in the Commercial Banking and risk and regulatory domains. She is currently pursuing a PhD at SMU. Deepika is an avid reader and enjoys writing on topics related to economics, finance, regulation, risk management and sustainability. She is an alumnus of the Indian Institute of Management, Ahmedabad (IIMA, PGP’93), and has a Bachelor of Arts (Economics) degree from Bombay University

Sanjiv Malhotra - 'Consumer Banking and Payments' Business Leader​

Sanjiv is a 'Consumer Banking and Payments' business leader. Before joining SingX, he was the Vice President and General Manager for Southeast Asia & South Pacific of the Global Network Business of American Express. In this role he managed the American Express B2B payment/network business, bringing in and managing large bank partners in countries as diverse as Singapore, Hong Kong, Malaysia, Indonesia, Philippines, Vietnam, Thailand, Cambodia, Laos, French Polynesia etc. He is an associate member of the Institute of Chartered Accountants of India.

Rajkumar Muthuswami- Chief Technology Officer

Rajkumar brings over 25 years of experience in technology, spanning multiple domains. He has played a key role in designing and implementing cutting-edge technology systems for leading institutions, including Standard Chartered Bank, Crimson Logic and Emerio Technologies. With a strong foundation in Mechanical Engineering, Rajkumar holds multiple industry-recognized certifications, including PMI-PMP, Technical Architect, ITIL Expert, PRINCE2 Certified Practitioner, and Certified Scrum Master. His expertise in technology strategy, system architecture, and project management enables him to drive innovation and deliver impactful solutions.

Scott Dale- Hong Kong Representative

Scott Dale is a seasoned General Manager in the financial services, travel and lifestyle industries with an expertise in working effectively in Asia. Scott's unique and diverse skill set have been developed through more than 25 years of work experience, with 18 years spent at leading travel and financial services company, American Express Int'l Inc. Having lived in Asia since 2002, Scott has led and been involved in multiple business transformational initiatives and new launches / implementations of product, sales and servicing models, whilst balancing the need for continuity within the existing business. Excellent outcomes were achieved through his excellent leadership and communication qualities. Away from the office Scott is an avid and lifelong sportsman and is still actively engaged in both rugby union and paddling sports. Scott currently serves as the MLRO for SingX Singapore and SingX Hong Kong

Tony Leung- Australia Representative

Tony is a professional with over 30 years of experience in management roles in the financial services industry across Asia Pacific. He was a Director at American Express and responsible for partner servicing and business development. He has an extensive background in mobile payments and e-commerce technologies deployment with strong exposure in the payments industry and branded consumer products. He holds a Bachelor of Science (Mathematics) degree from the University of Hong Kong. Tony currently serves as the MLRO for SingX Australia.

SreeKrishnaa Srikanthan – Head of Digital Marketing

Sreekrishnaa has over 10 years of experience spanning across technology, digital and financial services industries. Sreekrishnaa started his career with Infosys as a technology consultant, spearheading several process improvement initiatives. As the Head of Operations at Art of Click, he has a solid track record of promoting brands and transforming start-up businesses with innovative digital marketing strategies. Sreekrishnaa is a Dean’s list Business Management graduate with a specialization in Financial Services from Singapore Management University and has a bachelor's degree in Electronics from Sastra University, India.

Shefali Garg- Head of Marketing

Shefali has over 12 years of experience in banking and financial services. She spent the first half of her career at DBS Bank, running marketing campaigns for the consumer banking group. She has extensive experience in planning and executing campaigns across various products and services with a proven track record of delivering results. Shefali graduated with distinction from McGill University in Canada with a Bachelor of Arts in Economics and Finance.

Vineet Nagrani- Founder

Vineet has almost 30 years of experience as an Investment Banker, having worked in New York, Tokyo, Hong Kong, Mumbai and Singapore. He has a Bachelor’s degree from Indian Institute of Technology - Kanpur and an MBA from University of California – Berkeley.

Kula Kulendaran- Founder

Kula brings with him almost 30 years of experience in the financial services and payments arena with American Express, and in the FMCG industry with Nestlé. As Executive Vice President and Head of Global Network Services for American Express in Japan Asia Pacific & Australia, he demonstrated his natural ability to lead and inspire his staff. During his time there, he transformed the business and successfully grew market share in countries like China, Japan, Korea and Australia. Kula has an MBA from London Business School.