Violet Kwek

Lendicate is a specialist platform redefining business aviation and real-asset financing across Asia through innovative private credit solutions powered by technology. BESPOKE BUSINESS JET FINANCING FOR DISCERNING AIRCRAFT OWNERS Unlock bespoke business jet financing crafted exclusively for discerning aircraft owners. Each solution is structured around your financial objectives, ownership profile and asset strategy— offering flexibility and discretion beyond conventional financing approaches. Supported by our capital providers, we deliver tailored funding structures, from non‑recourse solutions to transactions in traditional or digital currencies—enhancing financial agility and redefining what’s possible in aircraft financing. INSTITUTIONAL-GRADE PRIVATE CREDIT, TECHNOLOGY-ENABLED AND BACKED BY REAL ASSETS Guided by disciplined risk management and supported by proprietary quantitative pricing models and transaction risk scoring frameworks, we structure and manage high-quality, asset-backed transactions that connect institutional and private capital with real assets. Leveraging standardised workflows and deep sector expertise, Lendicate delivers efficient execution for clients and transparent, high risk-adjusted outcomes for investors. Our integrated model simplifies complex transactions, with our revenue aligned to client and investor outcomes—driving long-term value creation and sustainable wealth preservation through innovation, intelligence, and precision in alternative asset-backed financing across Asia.

PrivéFi is the newly conceived AI and blockchain-powered extension of Lendicate. Co-founding PrivéFi with The Block School, we are dedicated to democratizing fractional access to loan portfolios secured by luxury and hard real-world assets. PrivéFi enhances Lendicate’s proprietary pricing and risk assessment models by integrating AI-powered dynamic pricing and automating on-chain lead generation and risk evaluation workflows to significantly improve the efficiency and speed of delivering high-quality, asset-backed private credit. This approach supports broader market accessibility while maintaining predictable, high risk-adjusted returns. By decentralizing and democratizing access, PrivéFi breaks down traditional barriers, enabling both professional and crypto-native investors’ access to high-yield, hard asset-backed private credit previously reserved for the ultra-wealthy and institutions. Through automated, tokenized private credit, we empower predictable wealth creation, sustainable long-term wealth preservation and true financial inclusion. Join us in this next evolution of private credit and finance. Learn more at privefi.xyz.

Dedicated to deepening regional general aviation collaboration across Southeast Asia and fostering connections between aviation talent and industry needs, promoting business aviation awareness among graduates and showcasing local talent.

Associate Faculty for Airline Finance Module, Bachelor of Business in Air Transport Management Doing my little part to cultivate the next generation of industry leaders and executive trailblazers who will soar high in the skies of aviation! May the journey be as rewarding for them as it is for me.

Apr 2019 – May 2021 Senior Sales Director, Asia-Pacific Feb 2017 – Apr 2019 Sales Director, Greater China and North Asia Non-bank financier focusing on business jet financing. • Spearheaded growth through channel partners regionally and launched new transaction structures. • Built up the Greater China portfolio from the ground up to over USD 300M in 3.5 years. • Led the company to be voted the Best Finance House in 2018 and Best Service Provider in 2019 in APAC. • Expanded the Hong Kong office from 1 person to a team of 6 in 3 years.

May 2016-Dec 2016 Deputy Head (Corporate Banking) Oct 2014-Apr 2016 Deputy Head (Shipping Finance) The largest privately owned bank in China. • Forged a collaborative culture across a ca. 30-member team, after merging several departments, creating synergies and expanding the portfolio by 10% in 6 months. • Established a robust framework for risk assessment and slashed approval lead time by more than 50%. • Instituted post-drawdown monitoring protocols across a shipping portfolio of 60+ vessels, proactively mitigating potential defaults and reducing 40% of time spent restructuring transactions. • Provided hands-on coaching and mentoring to develop and motivate team members, enabling the delivery of consistently superior results.

Apr 2014-Sep 2014 Executive Director (Shipping Finance) Aug 2010-Apr 2014 Director (Shipping Finance) Jan 2010-Aug 2010 Associate Director (Shipping Finance) Top emerging markets bank focusing on Asia, Africa and the Middle East. • Successfully built relationships with shipping and commodity clients in China and Taiwan from one transaction prior to 2010 to over 20 clients in 3 years. • Built up a shipping debt and lease portfolio of over USD 1B, accounting for over 80% of the Greater China shipping portfolio. • Led negotiating and structuring intricate workouts with clients and internal stakeholders, successfully preserving relationships with zero losses. • Mentored and trained three associates, equipping them with the skills to execute seamless transactions.

Dec 2008-Dec 2009 Vice President, Investment Management (Shipping) Nov 2007-Dec 2008 Assistant Vice President, Investment Management (Shipping) Apr 2007-Oct 2007 Analyst, Global Advisory and M&A (Shipping) Leading specialist bank focused solely on international transport finance. • Structured alternative financing structures, including build/sale and leasebacks, mezzanine finance and equity and pre-IPO investments. • Initiated deals and assisted the origination and divestment process, structuring financing arrangements with lenders to provide debt layers. • Prepared investment proposals with recommendations, forecasts with sector research and project reviews for continuous assessment of existing transactions. • Assisted in handling workouts and restructuring transactions, negotiating and managing clients, lenders and board’s expectations to achieve the best compromise. • Constructed and reviewed financial models, conducted financial and business due diligence on acquisition targets and prepared pitch books, memorandums and presentations to boards and CEOs. • Assisted deal origination, transaction processing, deal structuring, and execution.