Experience

• 

  RAM Group

  • Malaysia
  • Financial Services
  • 1 - 100 Employee

  • Sustainability Lead

    • Feb 2024 - Present

    • Delivered independent second opinion assessment and conducted post-issuance verification process for sustainability bonds. • Evaluated ESG vulnerabilities and impact readiness at an industry and entity level as well as reviewed assessment criteria under RAM Sustainability's R1ESGo® model. • Performed due diligence on corporate sustainability frameworks in sustainability rating exercise and contributed to the refinement of rating methodologies. • Collaborated cross-functionally to develop and market RAM Carbon Management Solutions which provides simplified carbon accounting service and carbon emissions/decarbonisation ratings. • Planned and coordinated ad-hoc team projects to offer sustainability-related bespoke services. • Conducted regular monitoring of ESG trend developments in the context of evolving sustainability topics and regulations, providing insights to internal and external stakeholders.

  • Rating Analyst

    • Feb 2021 - Present

    • Conducted in-depth analysis and comprehensive evaluation of structured finance transactions to assign credit ratings based on rating agency methodologies and criteria. • Performed financial modeling, stress testing, and scenario analysis to assess the creditworthiness and resilience of structured finance instruments. • Prepared comprehensive rating reports and presentations to internal committees and external clients. • Evaluated collateral quality, transaction structures, legal documentation, and credit enhancement mechanisms to identify risks and mitigation strategies. • Conducted due diligence on underlying collateral (financial assets and real estate assets), including analyzing loan portfolios and assessing asset quality. • Conducted regular surveillance and monitoring of the performance of rated structured finance transactions and provided timely updates to internal and external stakeholders. • Stayed updated with industry trends, regulatory changes, and market developments related to structured finance to provide insightful and forward-looking analysis.

• 

  BNP Paribas

  • Analyst, FITBO

    • Oct 2019 - Feb 2021

    - Managed treasury deal confirmations for clients and FIs. Act as first control on deals traded by front office to perform details checking and deal capture success - Monitored potential system errors in deal capturing and performed ad-hoc error analysis with the technical team to ensure no settlement failure - Performed daily reconciliation of Nostro and Vostro account of the bank, ensuring operational liquidity suffices. - Liaised with various stakeholders (dealers, traders, treasury and clients) in performing cost-efficient operations - Improved operational management systems, processes and best practices - Main contact point of team of new project rollouts and regulatory-related items with Bank Negara (ROMS and AOO reporting)

  • ITO Analyst - Regulatory and Projects

    • Jan 2019 - Oct 2019

    With the emphasis on strict regulatory reporting, I revamped the CashBOP Reporting process for all BNP Paribas' Operations department. My duties include: - understanding, improving and ensuring operational compliance that mitigates business risk - timely and accurate reporting to Central Bank on a monthly, weekly and daily basis - liase with internal and external stakeholders to understand and validate transaction details for reporting - sending and receiving partials with other Financial Institution. - undertaking new projects especially related to regulatory reporting controls while working with regional APAC teams on ensuring deadlines are met - setting up and performing controls and recon to ensure that no penalties are charged by Central Bank

  • ITO Analyst - Trade Operations

    • Sep 2018 - Jan 2019

    This short stint exposed me to traditional trade financing, financial strategies, vessel monitoring and sanction countries. Duties include: - Performed doc check on export and import bills to ensure completion based on Letter of Credits and DA/DP. - Processed client's payable and receivable financing for supply chain management with their counter parties - Performed role as advising bank to issue LC via SWIFT or originals - Liased with clients on missing documents to ensure efficient shipping process - Performed settlements of bills at maturity date as well as generating acceptance/discrepancy advises - Dealt with FIs on LC amendments, charges and document issues

  • ITO Analyst - Payment Operations

    • Feb 2018 - Aug 2018

    Apart from project implementation and process innovations, I perform BAU tasks for various cash products offered to clients. Duties include: - Validate and processed inward and outward cheques - Executed placement/upliftment and computation of fixed term deposits margin pricing - Monitored inward remittances to clients and ensuring adherence to FEA Controls by Bank Negara - Provided solutions to client inquiries regarding account entries - Monitored client account cash balances whether sufficient for daily remittances - Serviced daily and adhoc requests by clients

  • ITO Analyst - FITBO

    • Aug 2017 - Jan 2018

    Fixed Income and Treasury Back Office (FITBO) provided exposure to the workings of global market financial products such as IRS, CCS, swaps, forwards, FX and foreign bonds. Duties include: - Worked alongside with ALM team as NOSTRO and MYR position keeper to monitor/maintain bank liquidity - Provided/Received confirmations with clients and financial institutions for various derivative deals - Acted as control in accuracy of global market deals like swaps, options, forwards and spot deals - Assisted the team in daily and ad-hoc duties to support ongoing projects - Prepared reports for Bank Negara regulatory submission - Prepared bond confirmations and provided match status based on stock available

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  Capstone Management

  • Bid Specialist Assistant (PPC)

    • Feb 2018 - Sep 2020

    Freelancing and learning PPC marketing campaigns on Amazon.com, one of the largest e-comm platform. - Bid editing ad campaigns to ensure target ROI is achieved for customers. - Performing negative keywords to reduce wasted expenditure - Keyword expansion to analyze search term trends of customer relating to marketing campaigns - Perform campaign pausing from time to time as a strategy to reduce unnecessary costs

• 

  Digi Telecommunications

  • Malaysia
  • Telecommunications
  • 700 & Above Employee

  • CFO Apprentice

    • Aug 2016 - Aug 2017
    • Selangor, Malaysia

    Shadowed the CFO in Digi's operations. Learnt from the C-level decision makers. It gave me, as a fresh grad, the exposure to have a holistic view on a large company. Having this opportunity adds tremendous value to my learning curve as I set out to start a career on my own. In a year, I have been on a unstructured rotation basis within Digi Finance, that enables me to learn on a very dynamic pace from different managers. Not only Finance, but I also work cross functionally with many other stakeholders from different divisions in ad-hoc projects. Several project basis assignments are involving SQL queries, research work, analysis and soft skills that revolve around a rapid changing Telco Industry. The range of projects has built in me skills to be more agile and leaner in my way of work, thus creating more value.

• 

  Sunway University

  • Malaysia
  • Higher Education
  • 700 & Above Employee

  • Research Assistant

    • Dec 2014 - Apr 2015

    • Assisting the lecturer in organizing files and documents as well as analyzing huge amounts of experimental data • Contributing to research field on self-taught English assessment