Michelle Ip has more than 12 years of experience in insurance and insurtech start-ups, including greenfield market entry, oversight and business development across multiple countries in ASEAN like Cambodia, Myanmar and East Asia. She is a professionally trained CPA and started her career at PwC at auditing and corporate transactions.

Her career in the insurance industry started at AIA on the strategy team before moving onto Manulife eventually becoming Associate Director. Michelle was previously the founding member of iFWD (FWD Hong Kong), the no.1 digital insurer in Hong Kong between 2015-2018. In April 2018, Michelle co-founded her first start-up, Sugar AI, a fintech startup which was later integrated into bolttech.

Michelle joined IXT in 2022 as the VP of Strategy and later promoted to Chief Commercial Officer, helping IXT to expand its footprint to Korea and Malaysia. Michelle completed her Master's degree in International Relations at the London School of Economics.