Experience

• 

  Toyota Financial Services Singapore

  • Singapore
  • Financial Services
  • 1 - 100 Employee

  • Senior Credit & Risk Manager

    • Apr 2022 - Present

  • Credit Risk Manager

    • Mar 2020 - Apr 2022

• 

  Daimler Mobility AG

  • Germany
  • Financial Services
  • 700 & Above Employee

  • Regional Credit Manager

    • Jan 2019 - Mar 2020

    Ensure sound credit write up are prepared with balanced credit recommendation with condition set to mitigate risks and present it to Regional Credit Committee or Board of Management for approval.Identified opportunities to improve underwriting process in markets and raise level of underwriting quality in responsible market.Facilitated and handled the entire regional credit process including liaising with headquarter and local markets.Supported markets such as Hong Kong, Taiwan, Singapore, and Malaysia in developing or recalibrating scorecard to bring up auto approval ratio. Supported markets in resolving corporate audit and risk review items.Monitored risk performance and trends of markets and initiated meeting to understand negative trends(if any).Lead and facilitate markets’ feedback on headquarter’s annual review of credit rules and product rulesSupported markets in improving collection process with the use of collection system eg Pega.

  • Assistant Manager

    • Mar 2016 - Dec 2018

• 

  Mercedes-Benz Financial Services Singapore Ltd

  • Assistant Manager

    • Dec 2014 - Mar 2016

    Performed credit evaluation on hire purchase, leasing and factoring for corporate customers and recommend it for local credit committee approval and sometimes to regional approval. Active participation in business project eg go green(paperless), system enhancement, automated scoring engine.Deputy to Credit manager in ensuring smooth operation within credit function.

  • Local Compliance Responsible

    • Aug 2013 - Mar 2016

    Reviewed and approved due diligence to new dealers proposed by Sales. Active participation in global compliance meetings and provide training and disseminate compliance updates within MBFS.Participation in system integration on global sanction list.Create awareness in compliance topics to ensure employees’ familiarity to it.

  • Senior Executive (Senior Credit Analyst)

    • May 2011 - Nov 2014

  • Executive (Credit Analyst)

    • Feb 2008 - May 2011

• 

  OCL Ltd (subsidiary of Ethoz group)

  • Singapore

  • Credit Analyst

    • Jun 2004 - Jan 2007
    • Singapore

    Part of the start up member for hire purchase financing in commercial vehicle segment, performing credit evaluation on retail customers. Established and maintained good business relationship with dealers and salespersons.Prepared monthly sales report and present it to head of department.