Our Management Team
We’re a dynamic group of individuals who are passionate about what we do and dedicated to delivering the best results for our clients.
Sonia Ng
founder
chief executive officer
Sonia is an accomplished ex-banker with over 22 years of experience in business development, marketing, and partnership collaborations dealing with central banks and government agencies in the banking and automotive industries across the region.
At UOB Malaysia, Sonia excelled as the Vice President of Business Banking, focusing on SME, FX, and Banca. In previous roles at UOB Thailand, Sonia led Fintech and Partnership initiatives, driving innovation and accelerating digital transformation for SMEs. With a proven track record of leadership and a deep understanding of the financial sector, Sonia excels in fostering strategic partnerships and spearheading transformative initiatives.
Wilson Kok
founder
chief risk officer
Wilson brings over 17 years of specialized experience in credit processing, operations, and analytics, covering both secured and unsecured products for consumer and commercial segments.
At Hong Leong Bank Malaysia, Wilson served as the Head of Credit for Personal Loans, where he managed and optimized credit operations. He then held the position of Head of Risk & Compliance at Boost Credit, where he was a pioneer member of the team that established Boost Bank, one of the five digital banks in Malaysia. In this role, he focused on serving the underserved segments through micro-financing and micro-insurance products. Wilson’s deep expertise in credit and risk management enhances his ability to drive operational excellence and ensure robust compliance in evolving financial environments.
Hikmat bin Iskandar
chief technology officer
Hikmat brings over 17 years of experience in fintech, software engineering, UI/UX, and digital transformation across SC-licensed asset management firm, creative digital agencies, and e-commerce startups.
He has held leadership roles as CTO at Airo Malaysia and Bemalas, and served as Founder & Director at CP Global Innovation and Motive Interactive. At DCAP, Hikmat leads the company’s technology strategy, focusing on platform scalability, cybersecurity, and compliance. His expertise in product development, IT governance, UX and DevOps supports DCAP’s mission to deliver innovative, secure, and inclusive financial solutions.
Our Business Units
We’re backed by talented, dedicated teams across Technology, Data Science & AI, Business Developments, Credit Evaluation & Risk, and Collections & Recovery.