Ruth T.

• Heads the group's treasury and risk management team across SG, HK, and KL, providing FX and interest rates advisory/ hedging solutions to the Executive Chairman and Senior Management of the group. • Developed and implemented risk strategies to optimize treasury operations and mitigate market risks. • Achieved significant yield and cost savings through strategic yield enhancement, hedging and risk management initiatives. • Pursues strategies and initiatives for fixed income investments. • Proven track record of capturing low risk, opportunistic global markets income for the group. • Initiated and led the team on a Treasury Management System Project benefiting the group's Treasury and Finance teams. • Builds a tight rapport and network with our panel of banks' CIO and top management.

• Led Treasury team across SG, HK, and KL in managing global FX and Interest Rate risk exposures. • Provided FX and Interest rate market outlook to the Executive Chairman and top management of the group, initiated investment and hedging strategies. • Set guidance on best practices and common objectives to ensure goals are achieved as a team.

Manage and cross sell Interest Rate derivatives, FX, FX derivatives and investment products to medium to large local corporates. Actively update clients on IBOR transition and propose solutions on their outstanding interest rate derivatives affected by the change. Strong ability to build a tight relationship, provide financial markets advice / update and connect directly with top management and key decision makers of each company such as Directors, CEO, CFO, Head of Treasury, Financial Directors of corporate clients on hedging and investment proposals. Collaborate with all stakeholders within the bank to ensure best customer journey and successful deal closure. Successfully marketed and closed the bank's first sora interest rate option deal. Structured and closed the bank's first sustainability linked interest rate swap.

Provides tailor made Interest rate, FX hedging and investment solutions, advisory and cross sell suitable products to medium to large corporate clients. Consistently update client on market pulses and outlook Connects effectively with internal stake holders and build a strong relationship with clients which results in a seamless customer journey, deal closures and happy clients.

Cross sell leasing and hire purchase financing to corporate clients. Analyse financial reports, make recommendations and propose to credit for support and approval of credit facilities to the clients. Build a strong client relationship to successfully cross sell and meet budgets given.