About Credit Counselling Singapore

Credit Counselling Singapore (CCS) is a non-profit organisation and a registered charity. As a trusted Credit Counselling Social Service Agency, we have helped over 35,000 individuals address their unsecured debt problems through education, credit counselling and facilitated debt restructuring since 2004.


CCS began as a registered society on 12 March 2004, when a small team of full-time staff worked tirelessly to assist individuals who needed a helping hand to resolve their debts accumulated in the wake of the 1997 financial crises in Asia. District Judges from the State Courts were concern about the rise in consumer indebtedness and supported the idea of credit counselling. Without any intervention, individuals who had defaulted on their payments and faced legal actions from creditors, were stressed and confused as to what they could do to address their debts and creditors.


CCS and its staff are driven by our collective social purpose to promote the responsible use of credit and provide help to debt-distressed individuals, so that they can move ahead in life with peace of mind.

Our Board of Directors

Ang Hao Yao
Mr Ang Hao Yao is a private investor active in the charity sector. He serves as the Vice Chairman of The National Kidney Foundation and on the board level of the charities Securities Investors Association (Singapore) and the SingHealth Fund and was a former Chairman of Sata CommHealth. He is a Council member of the Charity Council. Mr Ang had previously worked in the departments of Consumer Banking, Private Banking and Corporate Banking at a local bank. Mr Ang holds Bachelor degrees in Mathematics and Economics, an MBA in Finance and Investment and is a CFA charter holder.
Roland Teo
Mr Teo Cheng San Roland is a Fellow of the Chartered Association of Certified Accountants, U.K. He has extensive banking experience in the Asia Region. Positions held by Mr. Teo included Chief Executive Officer of Standard Chartered Bank Taiwan, Credit Cards Head for Citibank Taiwan and Managing Director of AIG Credit Card Company Taiwan. Besides Taiwan, Mr Teo also held positions with regional responsibilities and is familiar with most of the major consumer banking markets in Asia. In addition to being on the board of Credit Counselling Singapore, Mr. Teo is also actively involved in the management committees of various sports associations.
Gerald Low
Mr Low Gin Cheng Gerald has been in the auditing profession for over 31 years, and a partner at KPMG for over nineteen years. Prior to joining KPMG, he spent five years after graduation with the then Big Six accounting firm Price Waterhouse in Singapore, two years with the then Big Five accounting firm PricewaterhouseCoopers in London and another five years with Big Four accounting firm PwC in Singapore. Mr Low specialises in the provision of audit and other assurances services and counts some of the largest multinational conglomerates as well as government and government-related bodies among his clients. His clients hail from a wide range of industries that include property, fund management, construction, energy, aviation, healthcare and pharmaceuticals, automobiles and infrastructure. His role as lead partner on these clients takes him to countries as far flung as Kyrgyzstan and Tajikistan. Other areas of expertise Gerald has accumulated over the years include listing applications (both local and dual), reverse takeovers, capital reduction exercises, due diligence reviews (both financial and operational), IT auditing, CAATs programming, and shareholder value services.
Loh Choo Beng
Mr. Loh Choo Beng is currently the Senior Advisor & Project Director of Certis CISCO Security Pte Ltd. Prior to this role, he was the Senior Vice President, Head of the Transformation Office, and Corporate Operations. He led the use of digital platforms, process redesign, and data analytics to gain productivity and strategic cost management. He started his career with Overseas Union Bank in 1984 and grew his career with various banking institutions. He joined Keppel Bank Limited in 1992 and was involved in the integration, restructuring, and merger of Keppel Bank and Tat Lee Bank Limited, as well as the final merger with OCBC Limited. He then joined SingPost in 2003 as Executive Vice President, overseeing an island-wide postal retail network and financial services. He was a board member of the Intellectual Property Office of Singapore from April 2009 to March 2013 and a member of its Audit Committee.
Wong Chit Sieng
Mr Wong Chit Sieng was the Chief Corporate Officer (CCO) of the SP Group and his portfolio included Group Procurement, Supply Chain Management, Group Safety & Health, Operations Audit, Group Productivity Office, Investigation & Prosecution Unit, and the SP-NTU Research & Development lab. Prior to assuming the CCO function, he was Group Chief Information Officer, responsible for the Group’s Information and Communications Technology applications and services. He joined SP Group as the Head of Information Systems and was concurrently the Managing Director of SP Services. Before joining SP Group, he held the post of Director of Operations and Principal Consultant of S1 Corporation Asia Pacific and Japan (a US listed banking software company). Immediately prior to joining S1, Mr Wong was Senior Vice President of the Overseas Union Bank, Singapore for nine years. He has also served 10 years in the Chase Manhattan Bank N.A as a Vice President in various capacities (Regional Systems Development Audit Manager, System Development Manager for Singapore and Indonesia, and Project Director for the Chase Asia Regional Data Centre). He has over 30 years of IT, management and Board level experience in the financial services and utilities industries. His Board level appointments include Chairmanship of: SP PowerGrid, Singapore District Cooling Pte Ltd, Trusted Source Pte Ltd, Deep Identity Pte Ltd, and Power Automation Pte Ltd. He was the Executive Director of EB Services Pty Ltd (Australia) and held Directorship roles at SP PowerAssets, PowerGas, and SP Connect. He is currently a Trustee of Palelai Buddhist Temple, Singapore. Mr Wong holds a Bachelor of Business Administration degree with Distinction and a Master of Business Administration from the Royal Melbourne Institute of Technology, Australia. He completed the Harvard Business School's Advanced Management Program in 2009.
Tan Lay Hoon
Ms Tan Lay Hoon, CFA has more than 20 years’ of investment banking experience, having worked in international and local financial institutions in various areas of advisory and fund raising activities in equities, fixed income, securitisation and structured products. Her last position held was SVP and Head Capital Markets at OCBC Bank. She started her banking career as a credit and marketing officer with OUB handling a portfolio of SMEs and retail accounts.
May Loh
Ms May Loh Bee Bee is a Partner and Singapore Office Head with ASG's East Asia & Pacific practice. She draws on expertise and networks developed over decades at the intersection of Singapore's public, private, and social sectors to help clients navigate markets in the region. Her work focuses on public policy, corporate governance, and sustainability issues across sectors. She is active on various boards, including that of the Securities Investors Association and the Singapore University of Technology and Design. She is Chairman of The Helping Hand, a halfway house, and started the Honour Champions Group on Sustainability, part of Honour Singapore. She received an LL.M from Harvard Law School (U.S.A.) and her LL.B from the University of Kent in Canterbury, England.
Melvin Tan
Mr Tan Teck Jin Melvin is the Co-Founder and a Portfolio Manager at 8VantEdge Pte Ltd, managing a global equities fund. Previously, Mr Tan was an equity partner at DCG Capital, an Asia focused value investing firm. Prior to fund management, he served as Head, Securities Fraud Branch at the Commercial Affairs Department. Mr Tan holds a Bachelor of Arts and Masters in Engineering from Cambridge University, an MBA from Columbia Business School and is a CFA charter holder. Mr Tan serves on the CAD-MAS Panel of Experts and is an operationally ready NSman.
Andy Tan
Mr Tan Yongyao, Andy is currently the Chief Commercial Officer for Atome Financial, fintech unit of Advance Intelligence Group. Prior to this, he spent 15 years in private debt with his last role as Head of Loan Syndicate South Asia at Credit Suisse. He was also previously with UOB where he held various roles including Director (Sector Solutions Group, Transformation Office). He also Chairs the Board of Centre 42, a non-profit arts organization with IPC status committed to the creation, documentation and promotion of text based works for the Singapore stage. Andy holds a Bachelor of Arts in Economics from The University of Chicago and a Master of Science in Management from the Stanford Graduate School of Business, where he was a Sloan Fellow and a Robert L. Joss Scholar. He also received a Certificate in Public Management and Social Innovation from the Stanford GSB. He is also an alumnus of d.leadership, a design program by the Hasso Plattner Institute of Design at Stanford University.
Sheila Pakir
Ms Sheila Kaye Pakir is the Founder and Principal of Kaye Consulting, which provides services in communication, leadership development, and strategic foresight. She is also an Expert Advisor for the Chandler Institute of Governance, a Singapore Futures Fellow with the Lee Kuan Yew School of Public Policy, a team coach with OCBC Bank, and an ACC with the International Coach Federation. Prior to founding her company, Sheila spent a decade in the Singapore Civil Service and Administrative Service, where she held positions in the Prime Minister’s Office, Ministry of Home Affairs, Ministry of Communication and Information, and the Pioneer Generation Office. Sheila graduated with honours from Brown University.

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