Company Profile  

First Credit Limited (“First Credit” or “the Company”) is a licensed money lender incorporated on 18th December 2006. Since its incorporation, First Credit has established professional teams to help solve financial difficulties of customers.

First Credit is a member company of First Credit Finance Group Limited ("First Credit Finance Group"). First Credit Finance Group is an investment holding company incorporated in the Cayman Islands in 2009. It registered as a non-Hong Kong Company in the same year and has its shares are listed on The Stock Exchange of Hong Kong Limited ("SEHK") (Stock Code: 8215).

First Credit provides our customers with a wide range of loan products and services to meet their financial needs. It has different financial solutions including personal loan, mortgage loan, SME loan & foreign domestic workers loan.

The aim of the Company is to become a financial services supermarket by delivering flexible, innovative, professional and quality financial services to the customers.

 

Board of Directors

Director and Chairman - 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.

 

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.

 

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.

 

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.