Senior Credit Analyst, Group Treasury & Global Markets

• Oct 2021 - Present

I am currently the go-to person for in-depth fixed income and ESG analysis in RHB Singapore Treasury (under Group Treasury & Global Markets "GTGM"). As part of the investment team, I report to the Portfolio Manager, provide holistic and comprehensive analysis on the credit quality of our holdings, discover money-making opportunities and recommend investment-grade bonds across global markets. In addition, I work closely with my KL colleagues, report to the Head of Foreign Currency Credit Analytics, provide regional support in terms of credit research and recommendation. On behalf of GTGM, I update and present to the bank's credit committee on the non-MYR bond holdings. In addition, as the ESG Champion representing RHBSG Treasury, I work closely with our colleagues from other business units and across countries, to establish and refine the framework for ESG analysis and on the ESG-related matters concerning the investment portfolio, so as to comply with regulatory requirements and actively support the RHB Group's aspirations to achieve the Bank's sustainability goals. It is also my personal aspiration that, in actively helping team mates achieve a deeper understanding of the current ESG landscape, collectively we will see that incorporating ESG considerations in our decision-making process is not just work-to-be done, but is inherently meaningful and deeply satisfying.

Investment Analyst

• Jan 2020 - Oct 2021

I’m involved in the full investment field spectrum, ranging from research, fund management and investment advisory. I worked closely with asset managers and wealth advisors as our company’s edge is in the provision of a unique blend of fund and wealth management advisory. In PC Financial, I was an multi-asset investment professional, as PC Financial is able to invest in a variety of traditional assets such as bonds, equities and mutual funds, as well as creating alternative investments such as structured notes and managing proprietary funds. We provide both discretionary and non-discretionary fund management services through the Registered Fund Management Company licence. Also, I worked together with regional analysts to provide insightful house-views and investment product recommendations, through daily, weekly and quarterly report publications. Being effectively bilingual, I’m comfortable in communicating and writing technical finance terms in English and Mandarin. I also assisted in seeking unique investment opportunities, potential arbitrage and alpha-driven ideas and translate these concepts into returns-driven proprietary funds. The Singapore fund management arm is involved in new fund setups, investment management of existing funds and presenting new investment ideas to ultra-high networth individuals. In PC Financial, we are highly encouraged to think out-of-the-box. PC Financial seeks to differentiate from the traditional fund management and wealth management concepts. We believe our clients seek the best of both worlds, as well as yield accretive returns. We are neither constrained by popular investment styles nor typical wealth management concepts.

Investment Analyst

• Nov 2018 - Nov 2019

Specialises in Singapore Consumer sector Representative No. SJM300122607 Specialises in Singapore Consumer sector Representative No. SJM300122607

Assistant Fund Manager

• Oct 2016 - Sep 2018

I am part of the investment team that covers equity investment in Asian markets and report to the Investment Committee. I am responsible for conducting research, evaluating investment ideas that meet the company’s investment criteria. Also, I provide analytical support to the wider team, visit companies, meet up with management of potential investee companies as well as write follow-up reports. At the end, I present my research and recommendations at investment committee meetings. I also produce monthly and quarterly reports to update clients' on their fund performance, as well as trade execution. Promoted to Assistant Fund Manager as of 15 September 2017, previous title: Investment Analyst Researched on: Singapore, Malaysia, Vietnam, Korea equity markets Representative No. SJM300122607

Post Graduate - Masters of Applied Finance

• Jul 2015 - Jul 2016

Project Assistant

• Feb 2015 - Jul 2015

Project Assistant at BSI Bank Singapore Project Themis: to address the audit points raised by MAS in 2014 To conduct AML Risk Classification review for all active accounts To assess the Tax Review Risk exercise conducted in 2013 To group all accounts for the purpose of Group AUM monitoring Project Assistant at BSI Bank Singapore Project Themis: to address the audit points raised by MAS in 2014 To conduct AML Risk Classification review for all active accounts To assess the Tax Review Risk exercise conducted in 2013 To group all accounts for the purpose of Group AUM monitoring

Client Advisor

• Mar 2014 - Nov 2014

Client Advisor based at UOB Bukit Timah Privilege Banking Centre Financial Advisory and Wealth Management CMFAS certified: M1b, M5, M6, M6a, M8, M8a, M9, M9a, HI, PGI, BCP Client Advisor based at UOB Bukit Timah Privilege Banking Centre Financial Advisory and Wealth Management CMFAS certified: M1b, M5, M6, M6a, M8, M8a, M9, M9a, HI, PGI, BCP

Relationship Manager

• Jul 2013 - Mar 2014

Branch Relationship Manager at DBS AMK Branch Financial Advisory and Wealth Management CMFAS certified: M1b, M5, M6, M6a, M8, M8a, M9, M9a, HI, PGI, BCP Branch Relationship Manager at DBS AMK Branch Financial Advisory and Wealth Management CMFAS certified: M1b, M5, M6, M6a, M8, M8a, M9, M9a, HI, PGI, BCP

Business Development Manager

• Dec 2011 - Jun 2013

Business Development Manager (BDM): Client Acquisition for new-to-bank ANZ Signature Priority Banking customers, under Affluent Banking Singapore (ABS) platform. Cross-selling banking products and services including credit cards and investment products. Regional Top BDM (ABS) for June 2012, September 2012, December 2012 ABS Top BDM for September 2012, December 2012 CMFAS certified: M1b, M5, M6, M6a, M8, M8a, M9, M9a, HI completed. Business Development Manager (BDM): Client Acquisition for new-to-bank ANZ Signature Priority Banking customers, under Affluent Banking Singapore (ABS) platform. Cross-selling banking products and services including credit cards and investment products. Regional Top BDM (ABS) for June 2012, September 2012, December 2012 ABS Top BDM for September 2012, December 2012 CMFAS certified: M1b, M5, M6, M6a, M8, M8a, M9, M9a, HI completed.

Trainee Senior Officer

• Oct 2008 - Jun 2011

a programme that allows fresh graduates to learn from basics of branch operations EXSA Gold award winner in 2010 a programme that allows fresh graduates to learn from basics of branch operations EXSA Gold award winner in 2010

Service Manager

• Oct 2008 - Jun 2011

In terms of service level, to ensure every customer leaves with an excellent service experience. In terms of sales level, to assists the Customer Service Manager (CSM) and branch manager (BM) to drive the business through active referrals and maximizing sales opportunities in the branch through the service staff. Create sales opportunities by encouraging various initiatives to get service staff to refer opportunities to the sales staff (Personal Financial Services or Business Banking) Garner new deposits and gating withdrawals Migrate low values services to self service machines and internet banking Acquire new customers and build relationship with valued customers Conduct readiness checks daily on branch including housekeeping and staff are properly attired/groomed Offer assistance to customers by answering their queries or directing them to the appropriate counters Facilitate resolutions to problems and suggest alternatives to resolve customers' issues Handling complaints and escalate to the appropriate levels accordingly Ensure queue time is within standard or take proactive steps to shorten queuing times Champion any service initiatives at branches Monitor the number of complaints/compliments via inputs through CRM Track SLA for complaint resolution

Professional Internship: Broadcast News Journalist

• Jan 2007 - Jun 2007

Covered various news beats such as: Health: stories such as a spike in children suffering from chicken pox is a cause for concern Crime: visiting murder scenes and interviewing eye witnesses. Attending police press conferences and making visits to the mortuary when necessary. Political: interviewing ministers during conferences or events on the latest government initiatives or announcements Entertainment: attending media conferences and covered a charity event. Edited and repackaged foreign news feeds for local audience. Worked as a production and research assistant on special projects: "The Scent of Campuka - A Sketch of Kong Hiap Memorial Museum"​ and National Day Special Documentary "​ The History Teller. Episode 2: Pulau Senang: A Prison without Bars"