Board of Directors
MR. NG ENG KIAT
Chairman and Independent Non-Executive Director
(66, Malaysian, Male)

Mr. Ng Eng Kiat was appointed as the Chairman of AEON Credit Service (M) Bhd on 8 May 2018. Prior to his appointment, he has been with the Board as an Independent Non-Executive Director of AEON Credit since 7 August 2007. He is a member of the Malaysian Institute of Accountants (MIA), Malaysian Institute of Certified Public Accountants (MICPA) and Fellow member of the Chartered Tax Institute of Malaysia and CPA Australia. He has more than 40 years of experience in the field of audit, accountancy and taxation. He had previously served as a member on a number of working groups of the Malaysia Accounting Standard Boards, a cooped member on a number of committees of the MICPA and an examiner for the final professional examination of the MICPA. Presently, he is the Chairman of the merged firm of Azman, Wong, Salleh & Co and Folks DFK & Co. He is currently a member of the audit interview panel representing MIA. He also sits on the Board of Directors of several private limited companies. He is currently the Chairman of the Audit Committee and member of the Remuneration Committee. He does not hold any directorship in any other public or public listed company.
MR. KENJI FUJITA
Managing Director
(50, Japanese, Male)

Mr. Kenji Fujita was appointed as an Executive Director of ÆON Credit on 19 June 2013 and as Managing Director of the Company on 23 June 2014. He obtained a Bachelor’s Degree in Arts & Humanity from Yamaguchi University, Japan in 1992 and a Master of Business Administration (“MBA”) degree from International University of Japan in 2009. He began his career in AEON Co., Ltd., Japan in 1992 and was subsequently transferred to AEON CO. (M) BHD. in 1997. He served in the Business Development function, MD Office and Shopping Centre Development functions over the years before he was appointed as the General Manager of SC Development in 2005. From 2007 until early 2012, he was managing the Human Resource, Administration, Finance and Executive Office functions in AEON Co., Ltd., Japan and AEON Stores (Hong Kong) Co., Ltd., Hong Kong. In March 2012, he was transferred to AFSJ and was appointed as Executive Director of AEON Financial Service (Hong Kong) Co., Ltd. in June 2012, prior to his transfer to the Company in June 2013. He does not hold any directorship in any other public or public listed company.
DATO' MD KAMAL BIN ISMAUN
Non-Executive Director
(71, Malaysian, Male)

Dato’ Md. Kamal bin Ismaun was appointed as a Non-Executive Director of ÆON Credit on 7 August 2007. He obtained a Bachelor’s Degree in Arts from Universiti Malaya in 1975. He had served 32 years in the Foreign Service in various capacities both abroad and in Wisma Putra (Ministry of Foreign Affairs) which included stints as Counsellor at the Embassy of Malaysia in Tokyo, Japan (1986-1990), Charge d’Affaires in Zagreb, Croatia in Bosnia Herzegovina (1994-1996), Ambassador to Cambodia (1996-1999), Under-Secretary at the Ministry of Foreign Affairs (Southeast Asia and Pacific, 1999-2001), Director-General of ASEAN in the Ministry of Foreign Affairs (2001-2003) and Ambassador to Germany (2003 – July 2007). He also serves as a member of the Audit, Remuneration and Nomination Committees. He does not hold any directorship in any other public or public listed company.
MR. TOMOKATSU YOSHITOSHI
Independent Non-Executive Director
(67, Japanese, Male)

Mr. Tomokatsu Yoshitoshi was appointed as an Independent Non-Executive Director of ÆON Credit on 30 June 2016. He obtained a Bachelor’s Degree in Law (Political Science) from Keio University, Japan in 1975. He received his post graduate degree from the School of Business Administration Bloomington at Indiana University, United States of America in 1981. He was seconded from the Long-Term Credit Bank of Japan Co., Ltd., Japan to serve as General Manager of Finance at the Dai-Ichi Hotel, Ltd., Japan from 1998 to 1999. He then joined as General Manager at LDA Commercial Division in 1999 and joined ING Life Insurance Co., Ltd as General Manager in the Investment Trust Services Division in 2000. He was appointed as President at ING Mutual Fund Management Co., Ltd. from 2002 to 2003. From 2003 to 2009, he served as General Manager in Bank Distribution Business Development, at ING Life Insurance Co., Ltd. In 2011 he served as Audit & Supervisory Board Member at the Financial Products Group Co., Ltd. and FPG Trust Co., Ltd. He was appointed as an Independent Director at AEON Bank Ltd., Japan in 2016. He does not hold any directorship in any other public or public listed company.
MR. S. SUNTHARA MOORTHY S. SUBRAMANIAM
Independent Non-Executive Director
(57, Malaysian, Male)

Mr. S. Sunthara Moorthy S. Subramaniam was appointed as an Independent Non- Executive Director of AEON Credit on 1 March 2018. He is a Fellow Member of the Association of Chartered Certified Accountants (ACCA) and a Chartered Accountant with the Malaysian Institute of Accountants (MIA). He has over 30 years of experience, mainly in general management, strategic business development, corporate finance, accountancy, tax and audit. Mr. Sunthara served as an audit senior in several accounting firms in London, United Kingdom from 1986 to 1995, prior to joining Faber Group Berhad (FGB) (now known as UEM Edgenta Berhad) in 1995, where he served for 16 years. He held a few key positions in FGB and was the Chief Executive Officer of Faber Facilities Sdn Bhd, a wholly-owned subsidiary of FGB, while concurrently holding the position of the Director of Corporate Services of FGB. He was on the Board of of Eversendai Corporation Berhad as Executive Director of Corporate Affairs from October 2011 until March 2017. He does not hold any directorship in any other public or public listed company.
MR. TETSURO TAKANO
Non-Independent and Non-Executive Director
(57, Malaysian, Male)

Mr. Tetsuro Takano was appointed as the Non-Independent and Non-Executive Director of AEON Credit on 4 July 2017. He obtained his Bachelor’s Degree in Commerce from Keio University, Japan in 1985. In 2003, he was appointed as the Associate Director of the Credit Planning Department at Mizuho Financial Group, Inc, In 2004, he was appointed as the Assistant Manager of the Sales Department at Nihonbashi, branch of Mizuho Corporate Bank, Ltd. In 2010, he was promoted to be the General Manager of the Finance Group of Mizuho Financial Group, Inc. Later in 2012, he was appointed as the Assistant General Manager of the Credit Planning Department at Mizuho Financial Group Inc and Mizuho Bank Ltd, and subsequently promoted to be the General Manager of the Global Credit Planning Department in AEON Financial Service Co. Ltd, where he serves presently. He does not hold any directorship in any other public or public listed company.
MS. LEE TYAN JEN
Executive Director
(45, Malaysian, Female)

Ms. Lee Tyan Jen was appointed as Executive Director of ÆON Credit on 1 July 2013. She obtained a Bachelor’s Degree in Business Administration from University of South Alabama, USA in 1996. She joined ÆON Credit in 1998 as an Officer in the Credit Assessment Department. Subsequently, she was promoted to various positions in the Credit Assessment Department and was appointed as Assistant General Manager in 2006, heading the Credit Assessment Department. In 2008, she was promoted as General Manager and served as Head of Credit Assessment Group before assuming the position as Head of Business Operations Division in April 2015. As at April 2016, she is the Chief Operating Officer and Head of Customer Service and Operation Division of the Company. She does not hold any directorship in any other public or public listed company.
DATUK ADINAN BIN MANING
Independent Non-Executive Director
(62, Malaysian, Male)

Datuk Adinan Bin Maning was appointed as an Independent Non-Executive Director of AEON Credit Service (M) Berhad on 28 June 2018. He is also a member of Audit Committee. Datuk Adinan pursued Accountancy at Institute Teknologi MARA from 1976 to 1979 where he completed the examinations of the Institute of Cost and Management Accountants (now known as Chartered Institute of Management Accountants). He has over 28 years working experience with banks. He started his career at Bank Bumiputra Malaysia Berhad (BBMB) in 1980 where he served for 18 years. He left to join Panji Timor Sdn Bhd as Group Chief Executive Officer in 1998. From 2004 – 2005, he served as Group Chief Executive Officer in Kuantan Flour Mills Berhad. Thereafter, he joined Prokhas Sdn Bhd as General Manager Operations in 2006. From 2007 – 2017, he became the Chief Executive Officer for Bank Simpanan Nasional, where he was instrumental in the bank’s transformation exercise.

He previously was the Chairman of BSNC Corporation Berhad and he holds directorships at BSNC Corporation Berhad, Bank Simpanan National, Prudential BSN Takaful Berhad, Permodalan BSN Berhad and Gibraltar BSN Life Berhad. He does not hold any directorship in any other public or public listed company.
DATIN KHOO PEK LING
Independent Non-Executive Director
(67, Malaysian, Female)

Datin Khoo Pek Ling was appointed as an Independent Non-Executive Director of AEON Credit Service (M) Berhad on 28 June 2018. She is also a member of Audit Committee. Datin Khoo Pek Ling qualified as a Chartered Accountant of England & Wales in 1977. Upon her return to Malaysia, she joined Turquand Young (now Ernst & Young) in Kuala Lumpur before she became the Group financial controller of a major public listed group for five years.

In 1984, she started her own public practice and after several Audit Firm mergers, she became a senior partner of Folks DFK & Co and Azman Wong Salleh & Co. She was on the Board of DFK International, an International Association of Independent Accounting firms in 1992 – 1994.
In January 2018, she retired from Folks DFK & Co and Azman Wong Salleh & Co after 35 years of professional practice in audit, taxation and insolvency services. She actively serves on the committee of a Non-Government Organisation and she also sits on the Board of Directors of several private limited companies.

Professionally she is a Fellow of the Institute of Chartered Accountants England & Wales; a member of the Malaysian Institute of Certified Public Accountants; a member of the Malaysian Institute of Accountants and a member of the Chartered Tax Institute of Malaysia. She does not hold any directorship in any other public or public listed company.
DATIN YASMIN BINTI AHMAD MERICAN
Independent Non-Executive Director
(68, Malaysian, Female)

Datin Yasmin Merican was appointed as the Independent Non-Executive Director of AEON Credit Service (M) Bhd on 23 January 2019. As Founder and Principal of Trax Associates, Datin Yasmin’s multi-faceted career has been built on capabilities unique and necessary for successful brand development. Starting in education as National Director of AFS International/Intercultural Programmes, Yasmin ventured into the communications industry as Account Director of Backer Spielvogal Bates (BSB Malaysia), before pursuing knowledge in business consulting as Partner of Ernst & Young in Malaysia and Ernst & Young Global Client Consulting in the Asia Pacific region.

These work experiences from education to communications and business consulting, have given Yasmin the ability to design brand solutions bridging the work cultures and knowledge divides between the creative and technical disciplines. With more than 20 years’ experience in the building of brands within the emerging market, her core competency lies in the alignment of business with brand thinking, strategy, knowledge and processes – particularly for those without deep brand capabilities and experiences. She holds an MBA (distinction) in Strategy and Marketing from the University of Hull, United Kingdom.

Currently, she is the Board of Director of AEON Fantasy Sdn Bhd, Director and Advisor of HelloGold Sdn Bhd, Advisor at the American Field Service Antarabudaya Malaysia and previously she was the Director at Malaysia Productivity Corporation (MPC) and the Industry Advisor at Monash University (2008 to 2012).
MS RASHIDAH BINTI ABU BAKAR
Independent Non-Executive Director
(63, Malaysian, Female)

Ms Rashidah Abu Bakar was appointed as Independent Non-Executive Director of AEON Credit Service (M) Bhd on 23 January 2019. She graduated from University Malaysia in 1979 with an LLB (Hons). She commenced work in Bank Negara Malaysia (BNM) on 1 April 1979 at the Investment Department. Throughout her days at the Department, she was involved in various government financing transactions for syndicated loans and bonds denominated in foreign currency as well as becoming a dealer in the placement of foreign deposits by BNM in overseas banks. She was also attached to the Export Credit Division in the Investment Department. Ms Rashidah was appointed as the Advocate and Solicitor of the High Court in Malaya in September 1981 upon her completion of legal professional qualifications.

She returned to BNM after being admitted to the Malaysian Bar and served BNM. In November 1984, she was selected to participate in a programme sponsored by the British Malaysian Trade and Industry Association. The programme was conducted with the participation of the Institute Tadbiran Awam Negara and the London Business School. BMITA arranged for her to be seconded to the Hong Kong and Shanghai Banking Corporation for one year. Upon completion, she returned to BNM to resume her career there. In June 1986, she was attached to the Bank Regulation Programme conducted by Arthur D. Little Management Education Institute, Inc based in Cambridge, Massachusetts.

In 1993, she was transferred to the Legal Department in Bank Negara Malaysia.