Y.Bhg. Datuk Mohd Zamree Mohd Ishak

Datuk Mohd Zamree Mohd Ishak

President / Chief Executive Officer

Datuk Mohd Zamree Mohd Ishak was appointed as CGC’s President and Chief Executive Officer on 1st January, 2015.

Zamree brings with him vast experience in the areas of banking operations, corporate and consumer banking as well as Islamic finance education. He began his career as a Graduate Trainee Officer with Malaysia’s largest banking group Malayan Banking Berhad (Maybank) in 1989. He held several key positions in Maybank which include Executive  Assistant to the President and Chief Executive Officer (April 2001 – Dec 2004), Vice President, Consumer Banking (Jan 2005 – Jan 2008) and Executive Vice President, Corporate Banking (Jan 2008 – July 2009). Zamree also served as the Chief Operations Officer of INCEIF – The Global University of Islamic Finance in July 2009 up to his latest appointment in CGC. He is also a member of the Chartered Institute of Islamic Finance (CIIF).

On 12 July 2018, Zamree received the Sustainability Leader of the Year Award at the Karlsruhe Sustainable Finance Awards in Karlsruhe, Germany. The award honoured financial institutions, related organisations, presidents and CEOs with significant contributions to the field of sustainable financing. The recognition is organised by the European Organisation for Sustainable Development, the Association of Development Financing Institutions in Asia- Pacific and the Association of African Development Finance Institutions in cooperation with the City of Karlsruhe, Germany.  Earlier on 20th February 2018, Zamree was recognised as the 2018 Outstanding CEO by the Association of Development Financing Institutions in Asia and the Pacific (ADFIAP). This is the largest and most prestigious aggrupation of 131 development banks and other financial institutions located in 45 countries within the Asia-Pacific region.

Zamree holds a Bachelor of Science in Business Administration from Saint Louis University, United States of America (1988) and a Master in Business Administration (Finance) from the University of Hull, United Kingdom (1992). He attended the Asian International Executive Programme (AIEP) at INSEAD and the Global Leadership Development Programme (GLDP) at ICLIF in 2006 and 2010 respectively. In Autumn 2016, Zamree attended the Advanced Management Programme (AMP 191) at Harvard Business School, United States of America.


K. Perbagaran

K. Perbagaran

Chief Risk Officer

Perbagaran is the Chief Risk Officer. He joined CGC in August 2005 as the Head of Internal Audit.

In March 2008, he was promoted to Senior Manager of Asset Management overseeing Loan Monitoring and Rehabilitation, Claims and Subrogation and Recovery.

Subsequently, in January 2012 he was promoted to Assistant General Manager. His current responsibility as Chief Risk Officer include ensuring risks relating to credit, market, operational, asset liability and liquidity of the Corporation are identified, assessed, managed, monitored and reported to the senior management and Board.

Perbagaran holds a Bachelor’s Degree in Accounting from University Utara Malaysia and Master of Business Administration from Cardiff Metropolitan University. He is a Chartered Accountant (Malaysia), a Certified Internal Auditor (CIA) as well as an associate member of Institute of Internal Auditors Malaysia and Malaysian Institute of Accountants. He also holds Advance Credit Enhancer (ACE) qualification.

Daeng Hafez Arafat Bin Zuhud

Daeng Hafez Arafat Zuhud

General Counsel & Company Secretary

Daeng Hafez Arafat Zuhud joined CGC as the General Counsel & Company Secretary in May 2015. He oversees legal, company secretarial and corporate governance functions.

Previously, he was the legal officer, executive and manager, working in the field of corporate legal, secretarial and human resources department for a few private and public listed companies in Malaysia. His last position prior to joining CGC was as Assistant Vice President, Group Corporate Secretarial at Malayan Banking Berhad. He was also the past Company Secretary of Maybank Asset Management Group of Companies and Maybank (Cambodia) Plc. He has experience in legal practice, company secretarial and human resources.

He holds an LL.B (Honours) Degree from International Islamic University Malaysia (IIUM) and was admitted as an Advocate and Solicitor of High Court of Malaya on 18 March 1995. He is licensed as Company Secretary by the Companies Commission of Malaysia since 1998.

Leong Weng Choong

Leong Weng Choong

Chief Business Officer

Leong Weng Choong joined CGC as the Chief Business Officer, on 15th July 2015. He oversees the overall supervision of development and implementation of business and marketing strategies.

He also leads the development of the client management model and manages CGC’s distribution network i.e. the branches.He possesses an approximate 20 years of working experience in the financial industry having worked for OCBC Bank (M) Berhad and Hong Leong Bank (M) Berhad. He started his career in OCBC Finance and after 5 years, he moved to OCBC Bank, where he spent about 14 years doing various functions but mostly related to SME’s.

Leong attained his Bachelor of Commerce from University of Western Australia, Australia.

Yushida Husin

Yushida Husin

Chief Technology and Operations Officer

Yushida Husin was appointed Chief Technology and Operations Officer on 9 July 2018 and is responsible for the IT and Operations Division.

She joined CGC as the Senior Vice President of Corporate Programme Management Office in 2016.  Yushida was instrumental for CGC’s key projects which include Business Process Reengineering and IT Blueprint.  In 2017, she was promoted to Chief Information Officer.

Prior to being with CGC, Yushida served as the Chief Corporate Services Officer at Takaful Ikhlas Berhad.  She was also with Accenture, overseeing project implementation in Malaysia and Asean.

Her 20 over years of experience spans across Project Management, Corporate Planning, Process Improvement, Organisation & Methods, Corporate Services and Support functions.

Yushida holds a Bachelor of Science (Statistics) from University of Illinois, Urbana-Champaign, Illinois, United States of America.

Zarina Osman

Zarina Osman

Chief Credit Officer

Zarina Osman joined CGC as the Chief Credit Officer on 3rd April 2017. She oversees credit business operation which includes Credit Evaluation, Credit Management and Direct Lending / Securitisation department.

Prior to joining CGC, she served as the Head, Credit Management at Kuwait Finance House Malaysia. She has also held several senior positions at Bank Muamalat Malaysia Berhad, RHB Islamic Bank Berhad and Alliance Merchant Bank Berhad.

Zarina brings with her 22 years of experience in credit management covering full spectrum of Business Banking from Investment, Treasury and Capital Markets, Corporate and Commercial as well as Retail business.

Zarina holds a Bachelor of Accountancy (Hons) from Universiti of Malaya and is also a Certified Credit Professional and Banking Credit Specialist.

Rahim Raduan

Rahim Raduan

Chief Corporate Officer

Rahim Raduan joined CGC on 2 May 2018 as Chief Corporate Officer heading the Corporate Division.

Rahim is currently the Chief Corporate Officer of Credit Guarantee Corporation Malaysia Berhad (CGC).  He is responsible for the overall strategic initiatives in CGC, and is also responsible to oversee key functions namely Investment, Strategic Planning, Strategic Data Analytics, Innovation & Product Development, Corporate Communications, Human Capital and Administration.

Rahim has over 20 years of working experience in many sectors, namely: investment and consumer banking, wealth management, fund management, automotive, infrastructure and property development. Prior to CGC, he was the Director in the Group MD/CEO’s Office of UEM Group Berhad, where he was responsible to assist the Group MD/CEO on the execution of several strategic initiatives across UEM Group. Prior to UEM Group, he spent over seven (7) years with CIMB Group where he held senior leadership positions which include Head of Consumer Banking’s Channel Operations and Service Support at CIMB Bank Berhad, Chief Operating Officer of CIMB-Principal Asset Management Berhad and Chief Operating Officer of CIMB Wealth Advisors Berhad.

A well-rounded professional with extensive experience in corporate strategy, business transformation and financial management, Rahim is a Fellow of the Association of Chartered Certified Accountants (ACCA), a Member of the Malaysian Institute of Accountants (MIA), the Financial Planning Association of Malaysia (FPAM) and the Malaysia Financial Planning Council (MFPC). In 2015, Rahim attended the CIMB-INSEAD Leadership Programme at INSEAD, France.

Shazmeer Mokhtar

Shazmeer Mokhtar

Chief Financial Officer

Shazmeer Mokhtar joined CGC on 2 May 2018 as Chief Financial Officer heading the Finance Division.

In this role, he oversees the overall finance strategies including ensuring effectiveness and efficiency of both finance and procurement functions.

Shazmeer was formerly the Deputy Director of Malaysian International Islamic Financial Centre (MIFC) in Bank Negara Malaysia (BNM). He has been with BNM for more than 15 years where he served in several sectors including Supervision, Regulation, Investments and Corporate Strategy. He was involved in leading the development and origination of Sukuk including the structuring and inaugural issuance of the world’s first liquidity instrument based on Mudharabah. He was instrumental to several strategic national and international initiatives which amongst others include positioning and sustaining Malaysia’s leading position internationally as an International Islamic Financial Centre/Marketplace. This includes his involvement as part of the BNM-SC-World Bank technical working group which facilitated the issuance of the world’s first Green Sukuk in 2017.

Shazmeer holds a Masters in Public Administration from Harvard University and is an Edward S Mason Fellow of Harvard Kennedy School. He was also the guest speaker in Islamic Finance for Harvard Law School. Shazmeer is a Fellow of Association of Chartered Certified Accountants (ACCA) and member of Malaysian Institute of Certified Public Accountants (MICPA) and Malaysian Institute of Accountants (MIA). In addition, he was an alumnus of the UK MOSAIC International Leadership programme which was founded by the HRH The Prince of Wales and is an Exco member of Malaysian Harvard Club.

Fakrul Azmi Mohamad

Fakrul Azmi Mohamad

Chief Internal Auditor

Fakrul Azmi Mohamad joined CGC as the Chief Internal Auditor on 1 October 2018. His primary role is to assist Board of Directors and the Management to effectively discharge their responsibilities in establishing cost effective controls, risks assessment and mitigation, and to ensure stronger governance process.

Fakrul has over 20 years of experience in financial services sector, where he has successfully implemented best audit practices as well as improving the audit activity coverage.

Prior to this appointment, Fakrul was the Chief Internal Auditor at Asian Finance Bank. His past experience includes leadership positions at Kumpulan Perangsang Selangor Berhad, Malaysia Development Bank Berhad, Malaysia Debt Ventures Berhad, Kuwait Finance House and CIMB Bank Berhad.

He is a Certified Internal Auditor (CIA), a Certified Credit Professional (CCP), an Associate Chartered Management Accountant (ACMA) and a Chartered Global Management Accountant (CGMA). Fakrul is also a Member of the Certified Bank Auditor (CBA) Examination Committee.

Mohd Sukeri Ismail

Mohd Sukeri Ismail

Senior Vice President, Operations

Mohd Sukeri Ismail is the Senior Vice President, Operations overseeing the Subrogation and Recovery, Billing Management, Loan Monitoring and Rehabilitation, Collection Centre, and Claims Departments.

He has been with CGC for the last 22 years. Prior to joining CGC, he worked for a financial institution for six years.

Sukeri holds a Bachelor of Science in Business Administration majoring in Finance from Creighton University, United States and a qualification on Associate of General Studies from Indiana University.

Mohamed Azman Bin Mohamed Taufik

Mohamed Azman Mohamed Taufik

Senior Vice President, Business Development & Products

Mohamed Azman Mohamad Taufik joined CGC as a Senior Vice President, Bumiputera Development & Product in February 2015. He oversees Bumiputera Development, Product Development & Support and Client Service Centre.

He has over 28 years of experience working in the banking and financial sectors both in Malaysia and Indonesia. Prior to joining CGC, he held the post of Associate Director and Branch Manager at The Bank of Nova Scotia Berhad.

Mohamed Azman attained his Bachelor of Management Studies from the University of Waikato, New Zealand in 1990, and he is a Certified Credit Practitioner since 2002.

Sum Leng Kuang

Sum Leng Kuang

Advisor, Investment

Sum Leng Kuang joined CGC as the Head of Investment in September 2015 and oversees the Investment Department.

She brings extensive management experience to the table, particularly in the areas of managing fixed income investment portfolios, credit evaluation and credit risk management. She has also consistently delivered a commendable performance and good returns, as well as achieving zero default rate track record over the last 30 years of her career.

Sum attained her Bachelor of Commerce (Finance) degree from the University of Canterbury, New Zealand.

Wai Ko-Chi

Wai Ko-chi

Senior Vice President, Information Technology

Wai Ko-chi joined CGC as Head of Enterprise Architecture & IT Strategy on 5 June 2017 and was promoted to Senior Vice President of Information Technology on 1 January 2019.  Ko-chi oversees Information Technology, namely Enterprise Architecture & IT Strategy, IT Infrastructure, IT Governance, and IT Applications.

Prior to joining CGC, he was an Account Technology Consulting Lead and Chief Engineer with DXC Technology/Hewlett Packard Enterprise. He has over 20 years of experience with various international and local organisations covering global and regional projects, including Shell IT International and Accenture.

Ko-chi holds a Bachelor of Engineering (Hons, Mechanical) degree from the University of Malaya.

Mohd Fazli Baharuddin

Mohd Fazli Baharuddin

Head, Digital & Transformation

Mohd Fazli Baharuddin joined CGC on 18 January 2021 as the Head of Digital & Transformation.

He brings with him over 23 years’ extensive experience in spearheading wide spectrum IT and business transformation, project management and information management within the financial sector. Fazli is well versed in agile execution, project management, business process re-engineering and streamlining, data warehouse management, reporting and analytics as well as regulatory reporting coupled with an eye in rolling out productivity enhancement and cost-saving initiatives.

Prior to joining CGC, Fazli was the Director of Regional Strategy Execution & Transformation, Group Commercial Banking, CIMB Bank Malaysia.

Fazli holds a Bachelor of Science in Business Administration from the Ohio State University Columbus, USA.

Nilammasri Ja’afar

Nilammasri Ja’afar

Head, Bumiputera Development & Sales Management

Nilammasri Ja’afar joined CGC on 20 September 2021 as the Head of Bumiputera Development & Sales Management. Collaborating with CGC partners, she is responsible for driving marketing and managing the nationwide branch network to enhance sales productivity and performance culture, and facilitating the development of Bumiputera SMEs’ competencies.

She has over 20 years of experience in financial services, including FinTech. At Axiata Digital Capital Sdn Bhd, she was involved in the development of the Micro and SME lending on the Aspirasi digital platform through partnership ventures. Prior to that, Nilammasri was the Senior Vice President/Head, Business Banking in Bank Pembangunan Malaysia Berhad and Senior Vice President/Head, Business Financing & Development of Bank Simpanan Nasional. And prior to that, she was also with Prokhas Sdn Bhd and Pengurusan Danaharta Nasional Berhad.

Nilammasri holds an Advance Diploma in Business Studies (Finance) from UiTM and has completed the Executive Development Programme at Wharton School, University of Pennsylvania, in 2016. She is also a certified Professional Coach by the Malaysian Institute of Management.

Azman Idrus

Azman Idrus

Head, Strategic Management

Azman Idrus joined CGC on 12 September 2022 as the Head of Strategic Management, Corporate Division.

Azman is responsible for strategising, planning, coordinating, monitoring, and directing corporate initiatives and activities related to the implementation of the business/strategic plan to enhance the Corporation’s role in the development of the MSME sector.

A seasoned financial services professional, Azman has over 20 years of experience in consumer banking strategy development, operations, channels and change management leadership within financial institutions, including those with a regional presence. Prior to joining CGC, he was with Al Rajhi Bank Malaysia, leading the bank’s channels and operations division, overseeing the operations, improving the bank’s channels and managing the adoption and usage of its alternate channels. Azman also managed other various retail banking business portfolios and projects during his tenures with Citibank Berhad, AmBank (M) Berhad and CIMB Bank Berhad. These included sales management, branch operations, corporate planning and strategy, product development, segmentation, project management office and Islamic Bank. He was responsible for notable projects including bank merger integration and rationalisation exercise, Islamic banking subsidiary/SME division set-up and branch transformation. Prior to that, he was a Consultant with Cap Gemini Ernst & Young Malaysia and Asia Pacific.

Azman holds a Master’s Degree from the University of Hull, United Kingdom in Business Administration and a Bachelor’s Degree from MARA University of Technology (UiTM) in Information Science.