About us

We are Accrual Bank.

Pronounced a-CREW-al. Not a cruel bank. Founded 1987. Headquartered in Singapore. 14 million customers, 82,000 small businesses, 28 countries, and one very patient 8-person platform team.

📣
a-CREW-al. Like "a crew of people, all".
When we picked the name in 1987, we did not anticipate the joke. Now we lead with it. One of our mortgage ads had "not a cruel bank" in the footer for nine years.
Our story

Forty years of compounding.

We started as a Singapore retail bank with five branches and a fax machine. Today, we serve 14M customers across three businesses. The fax machine is gone. Mostly.

1987
Founded in Singapore by a group of ex-Big Four accountants who thought banking needed more footnotes.
1994
London office opens. First corporate lending deal closed on a Friday, wired the following Tuesday.
2003
Mumbai office opens as a regional hub. India becomes our fastest-growing retail market within four years.
2011
First mobile app released. Reviews are politely described as "functional".
2016
Automation COE established. Nine people and a mandate: touch everything boring.
2022
Crossed 10 million retail customers. Celebrated by not raising fees.
2024
Maestro BPMN processes go live for our 9 highest-volume workflows. AI roadmap published.
2025
Board adds AI ROI as a standing agenda item. Platform team writes a strategy doc in one weekend.
2026
420 bots in production. 9 Maestro BPMN processes live. New agentic orchestration pattern rolled out across Capital and Services.
Leadership

Who runs this place.

Six people who spend about forty percent of their time disagreeing with each other in the right rooms. The rest of the time, they are disagreeing in public forums. It works.

PR
Chief Executive Officer
Priya Ravindran
Joined 2019. Former Head of Retail at a large regional bank. Known for saying "show me the workflow" in every strategy review.
MK
Chief Operating Officer
Marcus Keller
Joined 2021. 17 years in ops. Runs our Services unit. Owns the automation program. Probably the reason you can open an account in ten minutes.
LX
Chief Information Officer
Lin Xu
Joined 2023. Former platform lead at a global payments company. Has strong opinions about event-driven architectures and is not afraid to share them.
RD
Head of Platform Engineering
Rohan Deshmukh
Joined 2020. Runs the 8-person platform team. Patron saint of the team called "the platform team". Yes, 8 people support the whole bank.
AI
Head of Automation COE
Ananya Iyer
Joined 2018 as employee #1 of the COE. Now runs a 22-person team. Caretaker of the 420 bots. Can tell you the ROI of any of them on command.
JO
VP, Commercial Lending
James Okafor
Joined 2017. Runs commercial lending for EMEA. Closed the loan that paid for the London office coffee budget for three years. Still claims credit.
What we value

Humble. Bold. Immersed. Fast.

The four words on the wall in every Accrual office. If these sound familiar from somewhere else, we like to think we picked them up honestly.

Humble

Open to fresh insights. Kind in every interaction. Check the ego at the door, especially in credit committee.

Bold

Speak up even when your view is unpopular. Take smart risks. Pivot when the data changes. Banking rewards patience and penalizes cowardice.

Immersed

Ask the extra question. Own what you do. Customer first, always. A bank you do not understand is a bank that cannot help you.

Fast

Iterate, prototype, prioritize. Ship in milestones. When you see something to improve, gather the people and fix it.

Come build with us.

We are hiring across Platform Engineering, the Automation COE, and our Capital relationship banking teams.

Open roles