Company Profile  

First Credit Limited (“First Credit” or “the Company”) is a licensed money lender incorporated on 18th December 2006. Since its incorporation, First Credit has established professional teams to help solve financial difficulties of customers.

First Credit is a member company of First Credit Finance Group Limited ("First Credit Finance Group"). First Credit Finance Group is an investment holding company incorporated in the Cayman Islands in 2009. It registered as a non-Hong Kong Company in the same year and has its shares are listed on The Stock Exchange of Hong Kong Limited ("SEHK") (Stock Code: 8215).

First Credit provides our customers with a wide range of loan products and services to meet their financial needs. It has different financial solutions including personal loan, mortgage loan, SME loan & foreign domestic workers loan.

The aim of the Company is to become a financial services supermarket by delivering flexible, innovative, professional and quality financial services to the customers.


Board of Directors

Director and Chairman - Mr. Sin Kwok Lam

Mr. Sin Kwok Lam is the founder, the Chairman as well as an Executive Director of First Credit Finance Group Limited. He is also the director of First Credit Limited and a number of subsidiaries of the Group.

Mr. Sin has over 30 years of banking and finance experience. Starting from the basic level, he built himself a fruitful career in the banking sector by working in various departments including Accounts and Internal Audit in different banks and financial corporations. His expertise and experience enabled him to achieve the top management level of renowned companies.

Mr. Sin obtained various professional qualifications, which include a master degree in business administration from Oklahoma City University, USA, a certified diploma in accounting and finance from The Chartered Association of Certified Accountants, a diploma in law from City University, London, and a bachelor of laws (LL.B) from Manchester Metropolitan University. Mr. Sin is an associate of The Institute of Bankers and the Hong Kong Institute of Bankers. He is also a fellow of the Association of Taxation and Management Accountants.


General Manager - Mr. Tsang Yan Kwong

Mr. Tsang Yan Kwong is the Chief Executive Officer of the Group. He is also a General Manager of First Credit Limited.

Mr. Tsang is responsible for supervising the Group's overall operation and management, formulating market strategies and ensuring the loan quality of the Group. Mr. Tsang has over 26 years of experience in banking and finance field and served at top management level in several credit, financing companies.

Mr. Tsang obtained a master degree of Business from the University of Newcastle, Australia and a diploma in Management Studies jointly from Lingnan University and The Hong Kong Management Association.


Deputy General Manager - Mr. Leung Wai Hung

Mr. Leung Wai Hung is the Company Secretary of the Group. He is also an Deputy General Manager of First Credit Limited.

Mr. Leung is responsible for the operation of the Comapny, especially overseeing the loan approval, collection matters and company secretarial matters of the Group. He has over 19 years' experience in banking and finance sector and engaged in managerial role in banks and financial corporations.

Mr. Leung obtained a bachelor degree of Business Administration (with honours) from Lingnan University and a master degree of Corporate Finance and a master degree of Corporate Governance from The Hong Kong Polytechnic University. Mr. Leung is also an associate member of The Institute of Chartered Secretaries and Administrators and The Hong Kong Institute of Chartered Secretaries.