管理层

Yushida Husin

Chief Executive Officer, CGC Digital Sdn Bhd

Yushida Husin was appointed Chief Executive Officer of CGC Digital Sdn Bhd on 1 August 2022. CGC Digital is a wholly owned subsidiary of CGC and was incorporated on 5 July 2022 in conjunction with CGC’s 50th Anniversary.

Yushida is leading this digital start-up to further help MSMEs access financing and scale up their businesses using data and technology-driven innovation.

She joined CGC as the Senior Vice President of Corporate Programme Management Office in 2016, with her last position as the Chief Technology and Operations Officer. Prior to being with CGC, Yushida served as the Chief Corporate Services Officer at Takaful Ikhlas Berhad. She was also with Accenture, overseeing system project implementation in Malaysia and the ASEAN region.

Yushida has more than 25 years of experience involving transformation, strategy, technology-led innovation, corporate support functions, operations and management consulting within the financial services industry.

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

Y.Bhg. Datuk Mohd Zamree Mohd Ishak

总裁&首席执行员

2015年1月1日，拿督莫哈末占里莫哈末依沙受委为马来西亚信贷担保机构的总裁兼首席执行员。

占里在银行营运、企业与消费银行，以及伊斯兰金融教育领域拥有非常丰富的经验。1989年，他加入马来西亚最大的银行集团 — 马来亚银行担任行政毕业见习生，开展其事业生涯。他于马来亚银行担任过数个重要职位，包括总裁兼首席执行员行政助理（2001年4月- 2004年12月）、消费银行副总裁（2005年1月-2008年1月）及企业银行行政副总裁（2008年1月-2009年7月）。2009年7月，占里出任全球伊斯兰金融大学 – 伊斯兰金融国际教育中心（INCEIF）首席营运员，直至加入马来西亚信贷担保机构。他亦是特许伊斯兰金融专业人士协会（CIIF）会员之一。

2018年7月12日，占里获颁德国卡尔斯鲁厄的卡尔斯鲁厄永续金融大奖永续性领袖年度奖。该项荣誉颁发予对永续金融领域做出显著贡献的金融机构、相关组织、总裁和首席执行员。欧洲永续发展组织、亚太发展融资机构协会（ADFIAP）和非洲发展金融机构协会与德国卡尔斯鲁厄城市联办该项荣誉大会。早于2018年2月20日，占里获亚太发展融资机构协会颁发2018年最杰出首席执行员奖。ADFIAP是一个由亚太区45个国家最大型且最著名的131个发展银行所组成的协会。

占里拥有美国圣路易斯大学工商管理学士学位（1988年）、英国赫尔大学工商管理（金融）硕士学位（1992年）。他也分别于2006年和2010年修读了欧洲工商管理学院（INSEAD）的国际经理人课程（AIEP）和金融领导力国际中心（ICLIF）的国际领导力开发课程（GLDP）。2016年秋，他修读了美国哈佛商学院的高级管理课程（AMP 191）。

Rahim Raduan

Chief Operations Officer

Rahim is the Chief Operations Officer of Credit Guarantee Corporation Malaysia Berhad (CGC). He joined CGC on 2 May 2018 as the Chief Corporate Officer.

Currently, Rahim oversees the key functions in the Operations and Credit divisions.

Rahim has over 20 years of investment and consumer banking, wealth management, fund management, automotive, infrastructure, and property development. Prior to joining 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. Before UEM Group, Rahim spent over seven (7) years with CIMB Group where he helmed several 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), the Malaysia Financial Planning Council (MFPC), the Asian Institute of Chartered Bankers (AICB) and the Institute of Corporate Directors Malaysia (ICDM).

In 2015, Rahim completed the CIMB-INSEAD Leadership Programme at INSEAD, France.

Zarina Osman

Chief Risk Officer

Zarina is the Chief Risk Officer of Credit Guarantee Corporation Malaysia Berhad (CGC). Prior to her current role, she joined CGC on 3 April 2017 as the Chief Credit Officer and subsequently as Chief Credit and Operations Officer in February 2023.

She is responsible for overseeing key functions namely Credit & Market Risk, Investment Middle-office, and Enterprise & Operational Risk.

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 28 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 Malaya and is also a Certified Credit Professional and Banking Credit Specialist.

K. Perbagaran, CB

Chief Internal Auditor

Perbagaran is the Chief Internal Auditor at Credit Guarantee Corporation Malaysia Berhad (CGC). His journey with CGC started in August 2005, and over the years, he rose steadily through the ranks, mainly due to his expertise and dedication to the organisation.

In his current capacity, Perbagaran oversees the critical functions within CGC, leading Credit & Operations Audit and IT & Data Analytics Audit.

Perbagaran achieved a milestone in March 2008 when he was promoted to Senior Manager of Asset Management. In this role, he supervised Loan Monitoring and Rehabilitation, Claims and Subrogation, and Recovery. His ability in managing CGC’s assets and mitigating risks is commendable.

In January 2012, Perbagaran was appointed as the Head, Risk Management Division and a year later he was promoted as the Assistant General Manager. Fast forward, in January 2015, he was made the Chief Risk Officer, responsible for comprehensive risk management, including credit, market, operational, and asset liability risks. He played a vital role in identifying CGC’s liquidity and ensured that these risks were meticulously assessed, monitored, and reported to senior management and the Board.

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

Mohd Sukeri Ismail

Head, Operations

Mohd Sukeri Ismail是信贷部高级副总裁，负责监督信用评级、直接贷款/证券化及贷款管理部门的信贷业务营运工作。

他在CGC服务已经有17年历史了，在加入CGC之前，他在一家金融机构服务了6年。

Sukeri毕业于美国克雷顿大学 (Creighton University)，是一名主修金融的企业管理学士。此外，他也拥有印第安纳大学 (Indiana University) 常识科副教授资格。

Mohamed Azman bin Mohamed Taufik

Head, Business Development & Products

Mohamed Azman bin Mohamad Taufik2015年2月加入CGC担任产品与土著发展部高级副总裁。他负责监督土著发展、产品研发与支援及客户服务中心的业务。

他在大马及印尼的银行与金融领域拥有超过23年的丰富经验。在加入CGC之前，他曾经在The Bank of Nova Scotia Berhad担任副主任和分行经理的职位。

Mohamed Azman在1990年毕业于纽西兰怀卡托大学 (University of Waikato)，是一名管理学学士。此外，自2002年开始，他也是一名备受认证的信贷从业员。

Sean Tan

Chief Business Officer

Sean Tan joined CGC on 5 April 2023 as Chief Business Officer, heading the Business Division. With over 20 years of banking experience, he brings expertise in Product Development, Business Strategy, Credit Collection and Recovery, Portfolio Management, Marketing, and Distribution Channels to Sales within Consumer, Business, and Commercial Banking.

Prior to joining CGC, Sean Tan was the Head of Business Development at PropertyGuru Group, driving software solutions and data business for B2B in five countries. Before that, he was the Head of Sales and Partnership under Business Banking with UOB Bank Malaysia, where he successfully growing the Business Customer segment with strategy, product program, process enhancement, sales management, strategic alliances, digital initiatives, talent development and improving overall customer experience.

Earlier in his career, Sean Tan was with Standard Chartered Bank Malaysia’s Retail SME segment and while he was attached with Hong Leong Bank, Sean grew the Personal Loans portfolio by simplifying the processes, developing new credit programmes, enhancing systems, and launching marketing campaigns.

As Chief Business Officer at CGC, Sean Tan is responsible for overseeing the Corporation’s Business Division, which includes developing and promoting new products, partnering with our FI/DFI/Islamic FI/GLCs/Government Agencies, creating business alliances, and identifying prospects to meet the Corporation’s business targets and visions.

Sean Tan holds a Bachelor of Commerce, Major in Finance and Marketing from Curtin University of Technology Perth, Australia.

Sum Leng Kuang

投资主管

Sum Leng Kuang 于 2015 年 9 月加入 CGC 出任投资主管一职，掌管投资部。

她为 CGC 带来丰富的管理经验，特别是在管理固定收益投资组合、信用评价和信用风险管理等领域。此外，她也长期为机构带来卓著绩效和优越回酬，并在过去 25 年职业生涯中取得零违约率的骄人纪录。

Sum Leng Kuang 毕业于纽西兰坎特伯雷大学（University of Canterbury），拥有商业学士学位(金融)。

Daeng Hafez Arafat Zuhud

副总裁，法律及公司秘书部

他也是CGC的公司执行秘书。他负责法律，公司秘书责任以及企业治理功能。他曾经在数个马来西亚私人和上市公司企业的企业法律部门，公司秘书部门及人事部担任法律官员，行政和经理。

在加入CGC之前，他乃在马来亚银行(Malayan Banking Berhad) 任职于集团企业秘书部的助理副总裁。他也曾经任职马来亚银行资产管理集团(Maybank Asset Management Group of Companies)和马来亚银行（柬埔寨）分公司(Maybank (Cambodia) Plc)的公司执行秘书。他在法律实践，公司秘书和人力资源方面累积了拥有丰富的经验。

他毕业于马来西亚国际伊斯兰大学(International Islamic University Malaysia）并拥有法律学士（荣誉）学位。在1995年3月18日，他被马来西亚高等法院接纳为辩护者和律师。自1998年，他被马来西亚企业权威法定为合格公司作为特许公司秘书。

Wai Ko-chi

Chief Technology Officer

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.

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.

Mohana Arumugam

Head, Corporate Communications & Stakeholder Relations

Mohana joined CGC as Head of Corporate Communications on 5 July 2018. She oversees Brand Management, Public Relations and Media, Events, Social and Digital Media, and Corporate Social Responsibility.

Prior to joining CGC, Mohana was the Director of Private Retirement Services and Assistant Director, Retail Funds Marketing, CIMB-Principal Asset Management Berhad (now known as Principal Asset Management), and Manager, Knowledge Management, CIMB Investment Bank Berhad. She has over 23 years of experience in the financial industry, including corporate communications, sales and distribution, wealth management and retirement services.

Mohana holds a Bachelor of Communication with Honours from Universiti Sains Malaysia.

Nazral Safril Mohammad Sapari

Chief Human Resources Officer

Nazral Safril Mohammad Sapari joined CGC on 8 May 2023 as Chief Human Resources Officer heading the Human Resources Management & Administration Division.

He is responsible for overseeing the development of functional strategies and efficient operations of Human Resources Management and Facilities & Administration Services, towards achieving the Corporation’s overall objectives.

Nazral comes with over 30 years of experience in human resource strategies, management, administration and operations in banking as well as in various corporate environments. He has a proven track record of developing high-quality HR plans and strategies.

Prior to joining CGC, Nazral was the Director of Human Resources & Administration at Malaysia Digital Economy Corporation (MDEC), responsible for developing and executing human resource strategy in support of the overall business plan and strategic direction. Before that, he was the Head/General Manager, Human Resources & Administration at Touch ‘N Go Sdn Bhd, heading the HR division’s core functions. He also served CIMB Investment Bank Berhad as Regional Head, HR Business Partner for Group Asset Management & Investments/Director, Group Human Resources where he led the Property and Facilities Management divisions at CIMB-Principal Asset Management Berhad (Malaysia, Indonesia, Singapore & Thailand) (CPAM) and CIMB-Principal Islamic Asset Management Sendirian Berhad (CPIAM).

Earlier in his career, Nazral was with AmBank (M) Berhad where he spearheaded the HR Group Shared Services. Nazral was also a founding team member of Alinma Bank, Riyadh, Kingdom of Saudi Arabia.

Nazral holds a BBA (Hons) in Human Resource Management (2006) from Universiti Teknologi MARA, Shah Alam, Malaysia and an Advanced Diploma in Business Management (1992) from Swansea Institute of Higher Education, Wales, UK.

Nurul Amni Mohd Amin

Chief Financial Officer

Nurul Amni Mohd Amin joined CGC on 6 June 2023 as Chief Financial Officer, heading the Finance Division.

She is responsible for overseeing the overall finance strategies, including ensuring the effectiveness and efficiency of both finance and procurement functions, towards realising the Corporation’s overall objectives.

Nurul Amni has over 19 years of working experience in accounting firms and others in the commercial sector within the government agency, financial institution, and sovereign wealth fund industry.

Prior to joining CGC, Nurul Amni was the Vice President of Project Management Unit in the Public Market Division of Permodalan Nasional Berhad (PNB). She was responsible for driving the transformation initiatives of PNB, including the implementation of core investment system, investment data warehouse and building a spoke data team. Prior of PNB, she served as the Associate Director, Head of Finance and Capital Management at Danajamin Nasional Berhad, managing the Finance operation and capital management function.

She also served at Khazanah Nasional Berhad as the Vice President of Strategic Management Unit in the Managing Director’s Office. She was instrumental in developing strategic planning, performance reporting, and portfolio management for Khazanah’s investment portfolio.

Earlier in her career, Nurul Amni worked at Ernst & Young, where she led various audit engagements in asset and fund management, investment holding, services and trading, property development and the manufacturing industry.

Nurul Amni holds a Bachelor of Science in Accounting and Finance (2004) from University of Southampton, United Kingdom. She is a Fellow of the Institute of Chartered Accountants in England and Wales (ICAEW) and a member of Malaysian Institute of Accountants (MIA).