| Qualifications | Nirmala is a Chartered Global Management Accountant and Fellow of the Chartered Institute of Management Accountants, UK. She is also a Member of Malaysian Institute of Accountants.
She holds a degree in Economics (Hons) from University Malaya and obtained an MBA from International Islamic University, KL.
She is a Certified Risk Professional and Certified Credit Professional. |
| Working experience and occupation | She has 27 years of experience. Her expertise lies in the areas of banking, finance, risk management, and project management. She started her career with a local bank. Her vast experience encompasses various aspects of banking such as corporate, commercial and SME lending. She has substantial experience in credit management and credit risk, where she was involved in credit appraisal and approval, remedial management, credit audit and developing internal risk rating.
After spending 17 years with local banks, she joined Credit Guarantee Corporation Bhd. (subsidiary of Central Bank, Malaysia) where she headed the Risk Management Department. She was responsible for setting up the department and the Enterprise Risk Management framework. She spearheaded the credit, investment and operational risk management units and was involved in project management. She led the project team in the development of internal risk-rating models and was also involved in the development of integrated risk management system and solutions.
In 2012, she was appointed as advisor to a foreign bank. She and the banks senior management team worked together and successfully set-up the risk management and credit departments.
Currently she is a Director of Credience Malaysia Sdn Bhd and advisor of an audit firm that is based in KL. |