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About us

We are Accrual Bank.

Founded 1987. Headquartered in Singapore. 14 million customers, 82,000 small businesses, 28 countries, and one very patient 8-person platform team.

🏦
Accrual Bank. Two syllables.
UI for the interface between you and banking complexity. Bank because that is what we are. We picked the name because it is clear, direct, and has never needed a pronunciation guide. We consider that a design decision.
Our story

Nearly 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.
H1 2026
420 bots in production. 16 orchestration processes live on a single runtime: 9 BPMN, 6 Flow, 1 case-based. Billing dispute resolution on Maestro, loan origination case management, HR onboarding resilience, and agentic QA all ship. All four demoed live at UiPath DevCon 2026.
H2 2026
Target: 20 orchestration processes. Coding agent extended to flow authoring and credit memo drafting. Agentic co-pilots piloted with commercial relationship banking teams. Platform team publishes architecture principles update.
2027
The goal: 420 bots becomes 600. Case management expands across the retail lending book. What we cannot yet announce, we have written on a whiteboard that only Rohan and Lin are allowed to look at.
Leadership

Who runs this place.

Nine people who run the bank or built its automation platform. Four of them took the UiPath DevCon 2026 stage and made it look easy. Plus one intern who is probably responsible for this website.

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. Read the 2025 CEO letter →
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. Built the architecture that put 9 BPMN processes and 6 Flow processes on the same runtime. Patron saint of the principle "boring is a feature." Yes, 8 people support the whole bank. Yes, he has been asked about that.
AI
Head of Automation COE
Ananya Iyer
Joined 2018, one of the COE's first hires. Now runs a 22-person team. Caretaker of the 420 bots. Led the response to the SyncHR API deprecation: zero new hires impacted, fix shipped before 8am. Can tell you the ROI of any bot on command. Has never been asked to stop.
AL
Head of HR Technology · Accrual Bank Services
Alex Lim
Joined 2022. Led the HR onboarding resilience rebuild on UiPath Studio and Integration Service. Owns all vendor integrations in the Services stack. Famous for the incident retrospective where she showed that zero new hires were impacted because the circuit breaker tripped at 03:17 and nobody noticed until the 07:30 daily review. Presented the project live at UiPath DevCon 2026.
MO
Automation COE Lead · Accrual Bank Capital
Milo Osei
Joined 2024. Built billing dispute resolution on UiPath Maestro as the platform's sixth flow process. The original brief was a two-month project. Milo shipped it in six weeks, including the S$11K credit memo discrepancy that triggered the whole initiative. Presented the live demo at UiPath DevCon 2026 and is very calm about the fact that 150 real disputes resolve while he is on stage.
AM
QA Lead · Platform Engineering
Amol Marathe
Joined 2023. Owns the behavioral test suite covering all 420 bots using UiPath Test Suite and Test Manager. Built the three-layer testing model that took the QE team from reviewing 400 individual scripts to owning 37 behavioral tests that actually catch production failures. Co-designed the Agentic Desktop QA workflow with the COE. Presented the live test execution at UiPath DevCon 2026.
JO
VP, Commercial Lending
James Okafor
Joined 2017. Runs commercial lending for EMEA. Led the rebuild of the credit workflow from a 47-step BPMN diagram to a UiPath Case Management model, cutting time-to-decision from 11 days to 2.9. Closed the loan that paid for the London office coffee budget for three years. Presented the live S$14M deal walk-through at UiPath DevCon 2026. Still claims credit for both.
KS
Intern, Platform Engineering · Summer 2026
Kuber Sharma
Joined last Tuesday. Rebuilt the analytics dashboard on day two. Has opinions about BPMN swim lanes that are, frankly, above his pay grade. Is not yet allowed near production, but the platform team keeps giving him the WiFi password anyway. Rumoured to be the one behind this website.

Yes, the intern gets a bio. He asked, and Rohan forgot to say no.

What we value

Humble. Bold. Immersed. Fast.

The four words on the wall in every Accrual Bank 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. At Accrual Bank, this is why the 2026 case management rollout had a customer feedback loop before it had a launch date.

Bold

Speak up even when your view is unpopular. Take smart risks. Pivot when the data changes. Banking rewards patience and penalizes cowardice. At Accrual Bank, this is why Lin published our responsible AI principles before the regulator asked us to.

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. At Accrual Bank, this is why relationship bankers go through automation COE onboarding in their first week.

Fast

Iterate, prototype, prioritize. Ship in milestones. When you see something to improve, gather the people and fix it. At Accrual Bank, this is why the SyncHR fix shipped before the 07:30 daily review, not after.

Come build with us.

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

Open roles