Chin Yap Lau
Head, Loan Portfolio Management & Financial Analytics
Kuala Lumpur
Summary
Strategic and results-driven Senior Finance Leader with over 17 years of experience in Corporate Banking and FP&A. Proven track record of spearheading large-scale transformations, including scaling reactive reporting functions into high-impact predictive analytics units. Expert in orchestrating regional recovery plans, delivering RM5.4b in asset growth and >100% YoY profit uplift. Adept at navigating complex regulatory landscapes (SST, Labuan Tax Framework) and leading critical organizational restructurings (Project Nexus) to optimize capital deployment and resource allocation.
Overview
18
18
years of professional experience
Work History
Head, Loan Portfolio Management & Financial Analytics
Malayan Banking Berhad
08.2010 - Current
- Strategic Growth & Profitability
- Orchestrated a regional MY/SG recovery strategy that translated high-level vision into unified operational plans, securing top management buy-in and generating RM5.4b in asset growth.
- Optimized overall portfolio returns for every dollar of capital deployed, utilizing the Bank’s benchmark RRWA, risk appetite, and credit policies to guide rebalancing exercises.
- Organizational Transformation & Leadership
- Transformed a reactive reporting function into a proactive, 6-person FP&A/Portfolio Management unit, institutionalizing predictive analytics and leading-practice business planning processes.
- Directed "Project Nexus," a critical organizational alignment initiative migrating Mid-Cap and Small-Cap borrower segments to the Commercial Banking Division (CBD); utilized comprehensive data modeling to simulate financial impacts and ensure seamless resource deployment.
- Redesigned Group Corporate Banking KPIs to focus on leading indicators (productivity, submission, acceptance and aging), significantly enhancing pipeline visibility and performance tracking across key markets.
- Governance, Tax & Regulatory Excellence
- Led Labuan Organizational Design, conducting a deep-dive analysis of the 2019 taxation framework to quantify corporate income tax exposure and jurisdictional risks, directly influencing future capital structuring and tax strategy.
- Spearheaded two department-wide digital initiatives: The E2E rollout of the SST regulatory framework and the implementation of E-invoicing/AR tools, establishing a centralized governed system for all colleagues.
- Financial Planning & Decision Support
- Oversee the annual regional business planning cycle, managing budget development and periodic reforecasting with cost center owners to ensure strict financial discipline.
- Championed advanced financial modeling for strategic business opportunities, performing rigorous stress testing of assumptions and risks to facilitate high-quality decision-making for the Senior Management Team.
- Career progression:
- 2010 - 2014 Executive
- 2014 - 2015 Senior Executive
- 2015 - 2016 Assistant Manager, Fin. Reporting Analytics
- 2016 - 2018 Manager, Fin. Reporting Analytics
- 2018 - 2021 Senior Manager, Fin. Reporting Analytics
- 2021 - Head, LPM and FA.
Analyst, Investment Banking Origination
Maybank Investment Bank
07.2008 - 08.2010
- Worked on 20 potential deals, including Initial Public Offering, M&A, Privatisation, Debt and Equity Financing; prepared valuation analyses and client presentations.
- Selected Transaction Experience:
- Marine & Engineering Company, RM5.78bn - IPO
- Assisted in preparing the proposal by doing research and selected public company comparables to be used in IPO valuation, trading multiples, research calls, coordinated the due diligence meeting, prepare submission to SC, preparing board paper and replying SC queries.
- REIT Company, RM2.8bn - IPO
- Assisted with preparing the proposal by doing research and selected public listed REIT’s company in Malaysia, Singapore and Hong Kong, trading multiples, evolution of distribution yields, proforma balance sheet, research call, identify potential target investor.
- Telecommunication Company, RM11.2bn - IPO
- Assisted in preparing the proposal by doing research and selected public company comparables to be used in IPO valuation, trading multiples, research view on selected comparable companies, historical multiple evolution, shareholdings’ analysis, top 10 dividend yield stock in KLCI, WACC computation.
- Biotechnology Company - Advisory
- Assisted in preparing the proposal by doing research on the global best practice on the JV Co structure, exit strategy, tenancy lease, equipment lease, facility management, long and short term strategies business model, researched online on tenancy rate, compared among TPM, Kulim Hightech park and etc.
Education
Bachelor of International Business - International Finance
University Malaysia Sabah
LabuanSkills
Tools: Advanced Excel, Power BI, E-Invoicing & AR Platforms
CORE COMPETENCIES
- Strategic Leadership: Regional Business Planning, Budgeting & Reforecasting, MY/SG Catch-up Plans.
- Portfolio Management: RRWA Optimization, Capital Deployment, Portfolio Rebalancing, Asset Performance.
- Digital Transformation: E-Invoicing Rollout, Predictive Analytics, E2E Regulatory Frameworks.
- Stakeholder Management: Top Management Buy-in, Cross-Border Collaboration.
- Financial Modeling: Scenario Analysis, Data Simulation, Impact Quantification.
Timeline
Head, Loan Portfolio Management & Financial Analytics
Malayan Banking Berhad
08.2010 - Current
Analyst, Investment Banking Origination
Maybank Investment Bank
07.2008 - 08.2010
Bachelor of International Business - International Finance
University Malaysia Sabah