Peng Peng Sow Email & Phone Number

Review and manage cash flow to ensure liquidity optimization and adequate working capital in the group. Responsible for negotiating and securing financing, bank guarantee and cash management activities including periodic review of credit facilities and pricing.Build and maintain strong relationship with banks and payout partners.Review and manage FX cost for different corridors to ensure most competitive FX rate and increasing/ sustainable processing value and profitability.Review stock planning and ensure sufficient stock for remittance payout.Manage FX risk with risk mitigation techniques including minimizing FX exposure.Manage bank account setup / opening, closing and periodic review to meet business requirement.Supervising day to day treasury activities to ensure adherence with processes, procedures, control and regulatory requirements.Manage the treasury related regulatory reporting and compliance requirement.Manage TMS project Coaching and knowledge sharing with the team

Centralized Loan ProcessingLead and monitor centralized processing team to ensure proper and timely processing and submissionof loan application.Periodic review and continuously work on streamlining loan processes to improve turnaround time andproductivity.Establish and implement fraud prevention measures to minimise fraud losses.Manage and ensure fast Letter of Offer (LO) issuance.Liaise with loan solicitors or internal legal department for loan documentation issues.Provide coaching to the team for continuous improvement in loan processing.Oversee early warning signs or pre-delinquent portfolio and taking precautionary measures to preventdeteriorating of accounts.

Consumer Credit, Risk ManagementEvaluate and approve or reject credit applications in accordance with credit product programs andpolicies.Ensure service standards on Turnaround Time for credit application are consistently met withoutcompromising credit assessment qualityEnsure timely review and monitor portfolio of consumer loan.To detect and propose underwriting guidelines / measures to mitigate deteriorating trend / capitalize on opportunities identified from portfolio reviewsFormulate and review credit policies, guidelines and processes to be in line with economic development and market environment.Initiate timely response to market change to manage both risk and capitalize business opportunities.Review risk and assess viability of under construction residential projects for end financing to mitigate under construction and concentration risk.Perform quarterly reviews of regulatory risk self-assessment (RRSA); risk control self-assessment(RCSA) and Data Quality in order to maintain consistently high standards of risk control, complianceand staff awareness on regulatory compliance matters and internal policies.To ensure all submission of compliance reports are accurate and within reporting deadline.Provide training / coaching to both credit and marketing team to build strong credit culture.Provide insights to cross-functional process transformation projects and work closely with respectiveBusiness Units for process enhancements.

Managing team of collectors to achieve target of delinquency.Strategies monthly collection efforts in line with forecasted delinquency.Retrain, counsel and guide collectors when performance are below expectation.Consistently build confidence and motivate collectors to strive towards target.Build team spirit among collectors by practicing open communication, encouraging new idea andteamwork.Adopt proactive approach to prevent deterioration of loan.Recognize & respond to early warning signals to protect credit quality.Preparing monthly collection update and projection of potential NPL.

UOB Privilege BankingTo manage the continuous growth for the portfolio of high networth customer to achieve financialobjectives.To offer a wide selection of investment as well as wealth management products & services includingdeposits, loans, insurances, unit trusts, will writing and trustee service to suit their privileged needs and enhance their wealth.To anticipate customer requirements and provide suitable financial solutions.To handle the administrative and operation process to ensure the efficiency delivery of privilegedservice.

Mortgage Credit ControlMonitor loan repayments status to minimize the new inflow of NPL accounts.Restructure problematic loan repayments.Liaise with solicitors on progress of the legal actions taken.Develop healthy accounts with prompt payments for further business generation.Prepare monthly reports for management & Bank Negara's review.