Tonik Tech Stack

Digital bank for Philippines retail customers and underbanked segments

Banking Singapore, Singapore 201–500 employees Founded 2018 Privately Held

Tonik is a Philippines-licensed neobank operating across deposits, loans, payments, and savings. The tech stack is GCP-heavy (BigQuery, Dataflow, Cloud Composer) with a modern frontend (React Native, TypeScript, GraphQL), reflecting infrastructure built for mobile-first retail banking. Active hiring across finance, marketing, ops, and product—not just engineering—signals a scaling phase beyond product-market fit, with near-term focus on loan portfolio quality, app UX, and regulatory compliance.

Tech Stack 59 technologies

Core StackFigma Apache Airflow BigQuery Python Java React Native JavaScript TypeScript Redux React GraphQL Firebase Stripe Power BI Datadog Lucidchart Microsoft Office Cloud Composer Dataflow Dataproc Apache Beam SQL GCP MobX Google Maps Xcode Android Studio Git React Navigation Excel+28 more

What Tonik Is Building

◆Challenges

Optimizing engagement
Improving loan portfolio quality
Improving app ux
Managing market liquidity risk
Maintaining healthy cash flow
Regulatory digital risk compliance
Preventing financial crimes
Influx of customer interactions
Reducing human intervention
Scalable data solutions

▲Active Projects

Risk management policy development for irrbb
Stress testing and scenario analysis
Design tonik score logic and experience
App-wide ux initiatives
Redesign of the tonik app experience
Chatbot platform enhancement
Outsourcing risk management framework
End-to-end data pipelines
Scalable cost-efficient data pipelines
Automated data pipelines with governance

Hiring Activity

Accelerating35 roles · 30 in 30d

Department

Finance

Marketing

Ops

Product

Engineering

Sales

Audit

Seniority

Senior

Mid

Junior

Manager

Lead

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About Tonik

Tonik is a digital-only bank licensed by the Philippine central bank (BSP) and backed by deposit insurance (PDIC). The company targets both existing retail banking customers and the 70% of the Filipino population without traditional bank access. The product portfolio spans checking and savings accounts, unsecured lending, payments, and cards. Operations span Singapore (HQ), Philippines (market), and India. The organization is structured around finance, product, engineering, and ops—consistent with a mid-stage fintech managing regulated banking products and customer acquisition.

HeadquartersSingapore, Singapore

Company Size201–500 employees

Founded2018

Hiring MarketsSingapore, India, Philippines

Frequently Asked Questions

What tech stack does Tonik use?

Tonik runs on Google Cloud (BigQuery, Dataflow, Cloud Composer, Dataproc), Python and Java backends, React Native frontend, GraphQL APIs, Firebase, and Stripe for payments. Data pipelines use Apache Airflow and Beam.