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 an extensive branch network throughout Hong Kong Island, Kowloon and New Territories.

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 of the group and was appointed as a Director and the Chairman of the Company in March 2009 and November 2011 respectively. He is also the Chairman of the Nomination Committee and the member of Remuneration Committee of the Company. Mr. Sin is currently 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 was appointed as a Director of the Company since 17th December 2007. Mr. Tsang has over 20 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.


Director - Mr. Leung Wai Hung

Mr. Leung Wai Hung was appointed as a Director of the Company since 17th December 2007. Mr. Leung has over 15 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) and a master degree of corporate finance respectively.


Director - Ms. Ho Siu Man

Ms. Ho Siu Man was appointed as an Executive Director and the Compliance Officer of the Company in April 2010, and is currently a director of First Credit Limited and all subsidiaries of the Group.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.