Mila Bedrenets

As Tonik's Chief Growth Hacker, Mila Bedrenets sits at the intersection of product engagement, customer experience, and digital lending growth. She leads Tonik's Growth organization across product engagement, marketing, digital acquisition and customer activations — with a particular focus on scaling the bank's digital lending business.

Her mandate goes beyond driving loan disbursements. Mila's team owns the end-to-end Tonik customer journey — from onboarding and loan application to in-app communications and ongoing engagement — feeding customer feedback directly into service and product improvements. As one of the first fully digital banks in Southeast Asia to scale a lending-first model, Tonik's growth strategy is built on a simple premise: every customer interaction should be simpler, faster, and more human.

Mila's work reflects a broader shift in ASEAN banking — where growth, product, and customer experience are no longer separate functions, but a single connected discipline.