MR. LIM HUA MIN

Chairman

Mr. Lim Hua Min is the Executive Chairman of PhillipCapital Group of Companies and was also appointed Chairman of IFS Capital Limited on 20 May 2003. He began his career holding senior positions in the Stock Exchange of Singapore and the Securities Research Institute. He has served on a number of committees and sub-committees of the Stock Exchange of Singapore. In 1997, he was appointed Chairman of the Stock Exchange of Singapore (SES) Review Committee, which is responsible for devising a conceptual framework to make Singapore’s capital markets more globalised, competitive and robust. For this service, he was awarded the Public Service Medal (PBM) in 1999 by the Singapore Government. In 2014, he was also awarded “IBF Distinguished Fellow” (Securities & Futures), the highest certification mark bestowed by The Institute of Banking and Finance on industry captains who are the epitome of professional stature, integrity and achievement. In 2018, he was named Businessman of the Year 2017 at the annual Singapore Business Awards, which is Singapore’s most prestigious business accolade.

He served as a board member in the Inland Revenue Authority Singapore from 2004 to 2010. He was Chairman and Elder of Covenant Evangelical Free Church, Singapore for a number of years.

Mr. Lim holds a Bachelor of Science Degree (Honours) in Chemical Engineering from the University of Surrey and obtained a Master’s Degree in Operations Research and Management Studies from Imperial College, London University.

MR. ONG TEONG HOON

Director

Ong Teong Hoon started working in the financial sector in 1977, first as a Money Broker and then, after a year, with Standard Chartered Bank, as a Management Trainee. For 25 years with the Bank, he had been through all aspects of Commercial Banking, apart from Treasury function and he ended his banking career as Country Manager for the Bank in Cambodia in 2002.

This was after being the Bank’s Chief Representative in Myanmar and before that, Regional Manager, Asia Pacific Region covering Financial Institutions. Almost immediately after that, he joined Phillip Securities Pte Ltd and had covered various functions, including a stint in Phillip Securities Thailand PLC as its Ag CEO and was last, the Director OTC Capital prior to being assigned to Kredit MFI PLC in 2012.
Mr. Ong is a graduate from the University of Singapore with a Bachelor of Business Administration and an Associate of the Chartered Institution of Bankers since 1978.

MR. CHAN MACH

Director and Chief Executive Officer

Mr. Mach, the first local CEO of KREDIT Microfinance, was promoted from his Operations Manager position in 2006. With a Bachelor of Mathematics and experience as a math teacher, Mr. Mach joined KREDIT Microfinance initially in 1999 as the Auditor and Trainer. His managerial potential was recognised and he became the Phnom Penh Branch Manager in 2001. The branch flourished and in 2003 he was appointed Operational Director. Under his leadership, KREDIT Microfinance became sustainable and tripled the portfolio. Mr. Mach received a certificate of Commercial Loan to Business from OMAGA Performance, USA. He completed two Master’s Degrees: MBA and MFB. He attended nationally and internationally numerous courses related to microfinance and banking. Currently, he is also a member of the Association of The Banks in Cambodia (ABC). After the merger between Phillip Bank and KREDIT Microfinance, Mr. Mach was redesignated as the Chief Executive Officer of the Bank.

MR. KOH YONG GUAN

Independent Director

Koh joined Singapore’s Civil Service as a Biomedical Engineer in the Ministry of Health in 1972 and was absorbed into the Administrative Service in 1979. He served in the Ministries of Finance (Revenue Division), Education and Defence before being appointed Permanent Secretary in the Ministry of Defence in 1989. Mr Koh was the Commissioner of Inland Revenue from 1991 to 1997. In 1998, he was appointed Managing Director, Monetary Authority of Singapore (Governor of the Central Bank). He had also held the appointments of Permanent Secretary, Ministries of Health and National Development, and Second Permanent Secretary, Ministry of Finance (Budget and Revenue) between 1998 and 2001. He retired as the Managing Director, Monetary Authority of Singapore (MAS), in June 2005, and remained a member of the MAS Board until April 2011. He served as the Chairman of Central Provident Fund Board, the national pension fund for all employees in both the private and public sectors in Singapore, from 2005 to 2013. He was Singapore’s Non-Resident High Commissioner to Canada from May 2008 to March 2013.

Koh is currently the Chairman of the Board of SMRT Corporation Ltd, a publicly listed company that runs the underground train system, buses and taxi services in Singapore. He is also Chairman of the Singapore Deposit Insurance Corporation, and Chairman of the Cancer Sciences Institute of Singapore. Mr. Koh is Singapore’s Ambassador (Non-Resident) to Greece since May 2013.

He graduated with a Bachelor of Applied Science (Honours) degree in Mechanical Engineering in 1970 and a Master of Applied Science in Mechanical Engineering and Biomedical Engineering in 1972 from the University of Toronto on a Colombo Plan scholarship. He obtained a Master in Business Administration (with distinction) from the Catholic University of Leuven, Belgium in 1981. He was conferred an Honorary Doctorate by the University of Toronto in 2011.

MS. SEAH YEN GOON

Independent Director

Ms. Seah Yen Goon has more than 30 years of working experience in financial institutions including GE Commercial Finance, which specialises in financing small and medium-sized enterprises. She held senior position in Finance, Operations, IT, overseeing operations in Singapore, Thailand and Hong Kong. She was the Chief Financial Officer in charge of the finance and controllership, strategic and financial planning, funding and compliance.

She conducts training workshops at various institutions and serves at the HR sub-committees of St. Luke’s Hospital and the Singapore Christian Home.
Ms. Seah is a Chartered Accountant (Singapore) who holds a Bachelor of Accountancy degree from the University of Singapore, now called the National University of Singapore and an MBA degree (Business Law) from the Nanyang Technological University.

MR. PAUL GWEE CHOON GUAN

Independent Director

Paul Gwee Choon Guan’s banking career spans over twenty-five years of experience in the universal & treasury/investment banking with asset/fund & wealth management industry across the Asia Pacific. His specialized skills include enterprise risk management (credit, market, liquidity and operational), control & compliance and back-room operations with a robust combination of strategic business finance and accounting reporting, mergers & acquisitions and capital management. He was the Head of Risk Management & Compliance in United Overseas Bank Group, then the Country CFO in Hong Kong & Shanghai Bank, Indonesia and, finally, Chief Operating Officer in Bank of East Asia, Singapore. He is currently the Secretary-General of the ASEAN Bankers Association.

Mr Gwee holds a Masters in Business Administration from the University of Chicago, Graduate School of Business, majoring in finance and was awarded the Bachelor of Commerce degree from the University of Newcastle. He qualified as a Chartered Accountant in 1984 and is a Fellow of the Institute of Chartered Accountants in Australia and Institute of Singapore Chartered Accountants.

Mr. CHANDA PEN

Independent Director

Chanda Pen is passionate about technology, electronic payments, and the start-ecosystem and has spent 20 years of his career building products and designing systems.  Chanda is the Chief of Party for the USAID Digital Workforce Development initiative, which is to improve technical education for Cambodia’s working professionals and university students in an effort to meet the challenges imposed by a world economy that is leaning toward high technology.

Prior to serving as Chief of Party, Chanda was the Co-Founder/CEO of Bongloy, a Southeast Asia based fintech company focusing on open API for card issuance and digital payment infrastructure which he exited in June of 2021.  He has served as a Council Member of the Association of Banks of Cambodia (ABC), Chaired the National QR Code Task Force Committee, and was the Chairman of Cambodia Association of Finance and Technology (CAFT).  He has also served as a Fintech Lecturer at the National University of Management (NUM).

Chanda holds a Bachelor of Science degree from Barry University and an Executive Master of Science in Technology Management from Columbia University in the City of New York.