Intelletto.ai — The team behind the number
intelletto.ai
Human Capital Intelligence · the team

Who's building this

The people behind the number.

A scoring engine that has to hold up under regulatory scrutiny needs people who've actually shipped under that kind of load. Intelletto is built by a founding team and advisory bench drawn from fintech and open finance, large-scale outsourcing, telecom, and health-tech — operators who've taken platforms from a blank editor to industrial volume, and the institutional credibility to back them.

5
Founders & advisors
140+
Years combined leadership
4
Continents operated
source: combined founder & advisor track recordstap any card to read the full bio

Founding team

The people who own it in production.

Commercial, technical, and institutional — three founders who've each carried a platform from idea to scale, and now answer for Intelletto end to end.

DHDaniel Horan

Daniel Horan

Founder & Chief Executive Officer

LinkedIn

Internationally accomplished CEO and venture founder driving commercial growth and digital transformation across APAC, Europe, and the Middle East. Two decades inside Sony, Vodafone, Amdocs, Globe Telecom, and Metro Pacific; founder of health-tech platform mWell. Ironman triathlete and current Philippine national age-group triathlon champion.

Daniel is a Chief Executive Officer, Commercial Director, and Venture Founder with a distinguished career driving commercial growth, market expansion, and digital transformation across the Asia-Pacific, European, and Middle Eastern regions. As the leadership force behind Intelletto, he leverages over two decades of executive experience inside some of the world's most prominent global corporations.

He has established a reputation as a visionary strategist who bridges the gap between legacy enterprise operations and high-growth digital initiatives — orchestrating multi-million-dollar commercial strategies, managing complex international matrix environments, and digitally transforming businesses to unlock substantial, long-term shareholder value. His entrepreneurial track record includes founding mWell, a premier health-tech platform, and now Intelletto.

At his core, Daniel specializes in building and motivating high-performing global teams, aligning talent with commercial goals. He firmly believes digital transformation is no longer a technical transition, but the fundamental mechanism required to secure a future-ready business model. Outside the boardroom, he is an Ironman who has represented Australia at the 70.3 World Championships and is the current Philippine national age-group champion in triathlon.

SDScott Darrow

Scott Darrow

Founder & Chief Technology Officer

LinkedIn

"I build platforms that scale and survive." Thirty-five years across fintech and open finance, large-scale outsourcing and employer-of-record operations, enterprise ERP, and digital health — founding engineer and CTO of platforms connecting hundreds of institutions and moving billions in value.

That distinction matters. A lot of technology demos well and dies in production; Scott has made his reputation on the second half of that sentence — systems that hold up under regulatory scrutiny, real-world load, and the messy economics of running a business. He's taken products from a blank page in a code editor to deployments serving hundreds of institutions at industrial volume.

His career has moved through fintech and open finance, large-scale outsourcing and employer-of-record operations, enterprise supply chain and ERP, and digital health. He's been the founding engineer who architected a product from first principles and shipped it across multiple countries, and the CTO accountable for platforms moving billions in value — which is why he's skeptical of strategy that hasn't been pressure-tested against implementation reality. Today his focus is the unglamorous engineering discipline that separates AI that works from AI that merely impresses: retrieval that's actually grounded, scoring that's traceable to evidence, and pipelines that fail safely instead of confidently.

He's also dyslexic, and regards it as a competitive advantage rather than something to manage around. Dyslexic thinking favours pattern recognition, systems-level reasoning, and connecting ideas across domains — precisely the cognitive work that becomes more valuable as AI absorbs the routine. The way he sees structural problems, spots the defect three layers below the symptom, and reframes a challenge until it becomes tractable is not in spite of how his brain is wired. It's because of it.

GHGerrit Heyns

Gerrit Heyns

Founder & Executive Chairman

LinkedIn

Forty years in emerging-market financial services — senior roles at J.P. Morgan, Lehman Brothers, Troika Dialog, and Kleinwort Benson across the Middle East, Asia, Russia, Europe, and Africa. Co-founded a multi-billion-dollar sustainability-driven investment firm. Brings institutional credibility and investor relationships.

After too many years in front of trading screens, Gerrit found greater satisfaction — and greater opportunity — in challenging the ingrained habits that frustrate innovation, particularly the ones among financial-services professionals that defy logic and inhibit human potential.

He left an emerging-markets investment-banking partnership in 2009 to co-found and manage what has become a multi-billion-dollar investment management firm that challenges how large listed businesses are valued — preferring environmental data to financial data to drive asset-allocation decisions. He has created and managed an institutionally supported initiative to challenge the mis-pricing of risk that limits the flow of private capital at scale into Africa, and contributed to a group of technologists working to overcome the blockchain trilemma of credentialed identity, transactional privacy, and jurisdictional compliance.

"When I left the conventional finance world, these activities were called social entrepreneurialism. Now they are just part of good business. Soon they will be best practices."

Advisory bench

The people who've already done it at scale.

Operators who've built embedded-finance platforms from zero and run cross-border delivery engines for global enterprises — kept close so the strategy stays pressure-tested.

JJJohn Januszczak

John Januszczak

Advisor

LinkedIn

Astrophysicist turned fintech CEO. 25+ years across banking, insurance, and commercial software. Former President & CEO of UBX — UnionBank's fintech and corporate venture arm — where he built the Philippines' leading embedded-finance platform from the ground up.

John applies the rigour of astrophysics to the chaos of fintech innovation, bridging technology, capital, and leadership. Over six years at UBX he scaled the business from concept to industry leadership, launched multiple ventures through a venture-studio model, secured strategic investment from SBI Holdings of Japan, and introduced the Philippines' first central-bank-recognised stablecoin and blockchain-based settlement network.

Today he works with financial institutions, venture studios, startups, and investors across Southeast Asia and North America to help them transform, innovate, and build institutional-grade digital capabilities. His focus is on making innovation investable — designing the systems, governance, and operating models that let organisations grow sustainably and confidently. Having worked across Canada, the United States, and Asia, he brings a global perspective on how financial systems evolve and how emerging markets leapfrog technology.

JEJulio Endara

Julio Endara

Advisor

LinkedIn

Global operations & delivery architect. A cross-border founder and operations executive who builds the technology and talent engines that power global enterprises across EMEA, the Americas, and APAC. Leads dual ventures at ahaStudio and Volenday.

Julio specialises in turning operational complexity into seamless, cross-border capability. Having scaled a premier Manila-based outsourcing group across recruitment, staffing, and software services, he has spent decades managing large-scale global teams and orchestrating multi-million-dollar operational budgets — bridging high-level corporate strategy and the ground-level execution required to deliver institutional-grade software and human-capital solutions.

Today he leads this execution through two ventures: driving bespoke, high-performance technology development at ahaStudio, and architecting enterprise talent solutions at Volenday. Whether advising high-growth startups or steering multinational digital transformations, his focus is on building resilient, scalable delivery structures that optimise performance, manage risk, and unlock global value.

bios condensed from founder & advisor profilesphoto & LinkedIn on every card
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