Resume
Experience
2023 - Present
Chief Executive Officer
KanbawzaX Microfinance (KBX-MF)
KBZ Group
Myanmar
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Responsible for the careful and diligent transformation of a historically manual, and paper-based model into the digital era.
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Ensuring a win-win situation for the business, clients and industry alike, requires a high level of engagement and patience through a multi-year objective.
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Maintaining financial inclusion as the heart of our strategic agenda, whilst introducing and maintaining optimal economic-profit return metrics as a key deliverable
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Developing the next generation of Risk and Business professionals, that will ensure that KBX-MF becomes the MFI domestic champion Myanmar needs and deserves for generations to come
2019 - 2023
Chief Risk Officer /
Independent Consultant
KBZ Bank, KBZ Group
Myanmar
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Responsible for end to end risk management for Myanmar’s largest private bank
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Implementation of risk strategies for traditional core Retail and Corporate products including development of a target operating model roadmap that delivered world class risk management techniques whilst simultaneously developing risk metrics for some of the most advanced digital payment systems globally
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Oversaw and chaired the COVID19 Crisis Committee ensuring business continuity across 500 plus branch network and 12,000 staff during the pandemic
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More latterly managed the bank’s risk response to the changes in the political administration and the challenges this presented the banking sector
2014 - 2017
Global Head of Audit, Group Functions
Standard Chartered Bank
Hong Kong
21 years in
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Audit coverage for 11 Group Functions across 70 countries including; Risk Operations, Legal & Compliance, Finance, Treasury Human Resources etc.
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Developed and rolled out audit strategy of emerging risks including; Responsible Lending, Conduct, Pressure for Performance, People Risk, Group Strategy, Regulatory Reform and Digital Transformation
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Created and implemented dedicated Learning Council across audit function to tackle emerging risks
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Formally reviewed the structural changes across the bank, including Risk Management Framework, Operational Risk, Financial Crime across 70 countries
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Directed and successfully implemented, adoption and monitoring of several US regulatory Business Restrictions across the Group
2015 - Interim role
Global Head of Audit, Group Functions
Standard Chartered Bank
United Kingdom
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Reported directly to Group Audit Committee. Presented monthly formal audit commentary to Board and Audit Risk Committee, CEO Management Committee
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Provided monthly updates to UK Regulatory bodies on audit plan, commentary and plan
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Developed bank-wide annual audit strategy and coverage plan, achieving 15 percent cost efficiency gains across the entire audit function whilst demonstrating improving report quality and coverage ratios
2011 - 2014
Global Head of Audit, Consumer Banking
Standard Chartered Bank
Hong Kong
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Increased efficiency and control coverage whist achieving 20 percent cost reduction
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Introduced “risk based” coverage model
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Created “horizon risk” assessment for all 50 CB countries
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Specific coverage of pressure for performance and sales culture across the group
2003 - 2011
Country Chief Risk Officer
Head of CB Risk
Standard Chartered Bank
Hong Kong
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Double-hat role
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Managed risk for the largest franchise throughout the global economic crisis outperforming risk budgets for losses, risk return and costs
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During a period of severe risk appetite constriction by most local and international banks, enabled profitable support and grew local corporate and SME segments across HK and Southern China
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Developed and implemented the first Group Board approved Risk Appetite Strategy paper for the HK franchise
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Chaired and revamped the HK Risk Committee, aligned its roles and responsibilities to ensure it upheld the integrity of the agreed RAS
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Chaired the HK Association of Banks (HKAB) Credit Risk Forum (20 member banks). Personally developed several critical industry-wide initiates, including the introduction of the first mortgage credit bureau, industry standards on customer affordability, credit bureau, market data availability shared with regulatory and banks alike
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Developed grass-root risk training for the entire SCB HK senior business population
2000 - 2003
Group Head of Credit Risk
Unsecured Lending
Standard Chartered Bank
Singapore
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Developed first set of consistent portfolio standards and economic return hurdle rates for all CB markets, including fit-for-growth metrics
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From scratch set-up new lending models for China and South Korea unsecured lending markets
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Led multiple due-diligence acquisition and integration exercises across SEA and NEA markets
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Executed numerous portfolio and business workouts for non-performing businesses
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Core member of bank’s independent Business Risk Review (BRR) team leading strategic performance reviews with recommendations for Risk and Business MANCOs
1998 - 2000
Country Head of Credit,
Unsecured Lending
Standard Chartered Bank
Hong Kong
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Managed credit risk for the group's largest and fastest growing franchise
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Implemented industry-wide working group to tackle bankruptcy
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Appointed to Law Reform Commission for the revision of collection standards, leading to the formation of the first positive credit bureau
1996 - 1998
Country Head of Credit,
Unsecured Lending
Standard Chartered Bank
Taiwan
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Brought in to address a significant credit problem, instilled controls over lending introduced international standards, including automated collection system, credit scoring and risk analytics
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Tackled significant internal and external fraud issues
1983 - 1995
Head of Collections and Recoveries (Diners Club International Europe)
Citigroup
11 years in
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First management role aged 25
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Received comprehensive leadership and professional risk management development
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Managed Collections for both mortgage and loans portfolio
Professional skillset
Risk Management
Audit & Compliance
Leadership & Development
Strategic Planning
Languages
English