Xobin HR Awards 2026

Monica Divik Agarwal

Monica Divik Agarwal builds people engines that carry fintech companies from high-growth chaos to IPO-ready discipline. With 20 years across highly regulated APAC markets, she pairs organisational design with commercial outcomes, showing that people strategy can drive profitability. As Group Head of People and Talent at MoneyHero Group (NASDAQ: MNY), she helped turn the business from cash-burning to break-even in under 12 months by redesigning the organisation rather than cutting people. Her work raised eNPS by 318%, lifted the Glassdoor rating from 1.7 to 4.2, and kept 100% retention through four M&A integrations. She now guides clients in seven countries through the shift from digital-native to AI-native.