Chairman and Executive Director

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.

Chief Executive Officer and Executive Director Mr. Tsang Yan Kwong

Mr. Tsang Yan Kwong is the Chief Executive Officer and an Executive Director of the Group, supervising the Group overall operation and management. He is also a Director of First Credit Limited and certain subsidiaries of the Group.

Mr. Tsang has over 24 years’ extensive experience in the finance sector and has served in several financial companies at top management level. He graduated from the University of Newcastle, Australia with a master degree in business and administration, and a diploma in management studies jointly from Lingnan University and The Hong Kong Management Association.

Executive Director Mr. Leung Wai Hung

Mr. Leung Wai Hung is an Executive Director and the Company Secretary of the Group, a director of First Credit Limited and all subsidiaries of the Group. He is responsible for overseeing the loan approval, collection matters and company secretarial matters of the Group and company.

Mr. Leung has over 17 years’ experience in the banking and finance field and has engaged in managerial role in different banks and financial corporations. Mr. Leung successively graduated from Lingnan University and The Hong Kong Polytechnic University with a bachelor degree of business administration (with honours), a master degree of corporate finance and a master degree of corporate governance respectively. He is also an associate member of the Institute of Chartered Secretaries and Administrators and The Hong Kong Institute of Chartered Secretaries.

Executive Director Ms. Ho Siu Man

Ms. Ho Siu Man is an Executive Director and the Compliance Officer of the Group as well as a director of First Credit Limited and all subsidiaries of the Group. Not only is Ms. Ho being responsible for supervising the administrative and accounting matters of the Group, she also assists in managing the Group’s operation.

Ms. Ho has acquired fruitful experience and knowledge in banking and finance industry through her devotion in the finance sector of various levels and departments for over 21 years. Ms. Ho graduated from Edinburgh Napier University with a bachelor degree (with honours) in financial services and obtained a master of corporate governance degree from the Open University of Hong Kong. She is also an associate member of the Institute of Chartered Secretaries and Administrators and The Hong Kong Institute of Chartered Secretaries.

Independent Non-Executive Director Mr. Yu Wan Hei

Mr. Yu Wan Hei was appointed as an Independent Non-Executive Director of the Company in October 2013 and is currently the member of the Audit Committee, Nomination Committee and Remuneration Committee of the Company.

Mr. Yu has over 13 years of experience in the field of accounting and financial management and previously worked in various listed and unlisted groups. Mr. Yu obtained a Bachelor of Business Administration degree in Accountancy from The Hong Kong University of Science and Technology and a Master of Science degree in Accountancy from The Hong Kong Polytechnic University. Mr. Yu is a fellow member of The Association of Chartered Certified Accountants and a Certified Public Accountant of The Hong Kong Institute of Certified Public Accountants.

Independent Non-Executive Director Mr. Fung Kam Man

Mr. Fung Kam Man was appointed as an Independent Non-Executive Director of the Company in July 2016 and is currently the chairman of the Remuneration Committee and the member of the Audit Committee, Nomination Committee and Compliance Committee of the Company.

Mr. Fung is a certified financial planner of the Institute of Financial Planners of Hong Kong and The Chinese Institute of Certified Financial Planners and he has over 20 years’ experience in the field of continuing education and vocational training. Mr. Fung obtained a bachelor’s degree in Business Administration from The Chinese University of Hong Kong and a master degree of Science in Financial Management from the University of London.

Independent Non-Executive Director Mr. Wang Zhiwei

Mr. Wang was appointed as an Independent Non-Executive Director of the Company in October 2016 and is currently the member of the Audit Committee, Nomination Committee, Remuneration Committee and Compliance Committee of the Company.

Mr. Wang obtained a bachelor degree in Mechanical Engineering from Taiyuan Institute of Machinery (currently known as the North University of China) and he is a qualified senior engineer in electronic engineering. Mr. Wang has over 15 years of experience in holding senior executive positions in businesses involving e-commerce, software development, coal and energy development and solar power in the PRC.