BETTY NG
Summary
Seasoned Credit Risk, Collections, Recovery & Special Situations Professional with over 20 years of experience across banking, advisory, and distressed investment. Deep expertise across the full credit lifecycle, including credit assessment, underwriting, portfolio management, early warning, collections, recoveries, and non-performing loan (NPL) resolution. Proven track record in structuring and managing complex credit exposures, leading high-stakes restructurings, and executing special situations investment strategies across multiple jurisdictions.
Extensive experience in developing and implementing loan workout and collection strategies, managing contentious recoveries, and delivering both formal and informal restructuring mandates. Adept at preserving and unlocking value through legal enforcement, operational turnaround, distressed asset acquisition, and stakeholder negotiation. Frequently engaged to advise on distressed investment opportunities involving underperforming assets, debt restructurings, and value recovery in challenged capital structures. Recognized for aligning banks, funds, corporates, and regulators around commercially viable restructuring and recovery outcomes.
Geographic experience spans Asia, the U.S., and key emerging markets, with cross-sector exposure. Trusted by financial institutions, corporates, and investment funds to deliver high-impact solutions in credit-stressed, distressed, and recovery-focused environments.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Managing Director, Corporate Finance & Restructuring
FTI Consulting Singapore
05.2023 - 05.2025
- Seasoned advisor for banks, funds, and corporates with deep expertise across the full credit lifecycle, including credit risk assessment, origination and loan underwriting, collections and recoveries, and non-performing asset (NPA) resolution
- Strategic advisor in Corporate and Commercial Banking and Funds, with specialization in credit risk management, recovery and collections, and special situations investments
- Oversight of credit approval processes, recovery/collections strategy formulation, and credit/investment decision-making aligned with risk-return objectives
- Strong portfolio management acumen, including quantitative analysis, credit assessments, risk reviews, stress testing, and sectoral trend analysis
- Extensive experience in recovery and collections, including high-value exposures, contentious recoveries, and litigation strategy
- Led multi-creditor restructurings, debtor-led workouts, turnaround advisory, and formal insolvency proceedings across diverse sectors
- Advisor in distressed and non-performing loan scenarios, driving formulation and negotiation of restructuring plans for viable recoveries
- Operational and financial restructuring expert, helping stabilize and unlock value from stressed/distressed companies and assets
- Appointed liquidator of a multi-million-dollar private equity fund, overseeing asset realization and stakeholder engagement
- Sourced and evaluated special situations investment opportunities, including distressed debt, underperforming assets, and turnaround cases
- Led investment/ fund structuring and execution, including capital structuring, investor negotiations, and fundraising initiatives
- Actively pursued investment and syndication opportunities through engagement with private credit and financial institutions
- Managed a robust pipeline of special situations and distressed investments, overseeing origination, due diligence, and post-deal management
- Cross-border experience leading transactions across Mainland China, Hong Kong, the United States, Indonesia and Mauritius
- Sector expertise spans REITs, real estate, private equity, oil & gas, shipping, retail, commodities and construction
- Led stakeholder negotiations involving creditors, boards, regulators, and legal counsel to deliver value-aligned recovery outcomes
- Trusted stakeholder manager, adept at working with creditors, boards, regulators, senior management, and legal advisors to drive aligned outcomes
- Proven team leader, experienced in building and managing high-performing credit, risk management, recovery & collection, and investment teams
Director, Special Asset Group
Standard Chartered Bank
08.2016 - 08.2022
- Seasoned banking professional with strategic leadership experience in Corporate and Commercial Banking, specialising in credit risk management, recovery and collections, and non-performing asset (NPA) portfolio management
- Lead oversight of credit portfolios, including credit assessments, quantitative analysis, stress testing, sector reviews, and performance monitoring at both individual and portfolio levels
- Monitor key risk indicators, delinquency trends, early warning signals, and NPL ratios to identify and proactively manage emerging risks
- Conduct granular segmentation analysis to pinpoint high-risk exposures and implement targeted risk mitigation strategies
- Collaborate with senior stakeholders to define credit limits and establish risk appetite frameworks across diverse lending products
- Regularly review and refine credit risk appetite, ensuring alignment with regulatory standards and the bank's strategic direction
- Assess and approve credit proposals within delegated lending authority, ensuring compliance with internal policies and external regulations
- Proactively manage customer portfolios, identifying early signs of deterioration, escalating risk cases, and formulating appropriate action and restructuring plans
- Initiate ad-hoc portfolio reviews and stress tests in response to market or macroeconomic developments, recommending and executing mitigation strategies
- Implement credit cost containment measures through early intervention, restructuring, and tailored workout strategies
- Advise front-office deal teams on credit structuring and due diligence , ensuring effective risk mitigation while supporting commercial objectives
- Champion a collaborative approach to credit risk by partnering across business, legal, operations, and compliance teams
- Foster a risk-aware culture , providing training and mentorship to front-line staff on credit principles, early warning frameworks, and policy application
- Contribute to credit risk policy development , offering strategic recommendations to enhance governance and risk controls
- Evaluate internal borrower ratings and financial forecasts, challenging underlying assumptions where appropriate
- Track and manage Leveraged Finance and Special Situations portfolios, identifying concentration risks and leading mitigation planning
- Provide credit risk perspectives for strategic initiatives and credit guideline enhancements
- Lead and develop high-performing teams in credit risk, recovery/ collections , and special situations portfolio management
- Direct and manage non-performing loans, overseeing restructuring, re-engineering, and workouts to maximize recoveries
- Lead complex, multi-lender and contentious workouts , including negotiation strategy and stakeholder alignment
- Serve as the subject matter expert in special situations, recovery and collections, advising on distressed asset strategy and resolution pathways
- Review Early Alert accounts, assess credit risk, and develop proactive management strategies
- Recommend credit risk ratings and provisioning levels for stressed assets, in line with regulatory and internal standards
- Provide guidance and training across business units on restructuring and workout strategies
- Extensive regional experience in Singapore, Thailand, Indonesia , and Vietnam , across sectors such as Shipping, Oil & Gas, Construction, Container Lines, Commodities, and Telecommunications
Director, Restructuring Advisory
KPMG Singapore
08.2010 - 07.2016
- Strategic advisor with deep expertise across the full credit lifecycle, including credit risk assessment, loan collections and recoveries, non-performing asset (NPA) resolution, and special situations investment
- Proven track record in managing high-value and complex recoveries, including contentious enforcement actions, litigation strategy, and regulatory coordination
- Originated and evaluated special situations investment opportunities, including distressed debt, underperforming assets, and turnaround scenarios
- Advised on distressed credit and NPL exposures, leading the development and negotiation of restructuring and recovery strategies across a wide range of sectors
- Led high-impact cross-border recovery, collections, restructuring, and insolvency engagements, supporting stakeholders in managing contentious recoveries and distressed asset exposures
- Recognized expert in full-cycle restructuring assignments, including financial diagnostics, operational turnaround planning, stakeholder engagement, and litigation/fraud investigation support, with a proven ability to restore value in stressed companies and complex portfolios
- Directed a comprehensive range of formal and informal restructuring mandates, including Receiverships, Judicial Management, and Liquidation proceedings across jurisdictions including the United States, Hong Kong, Mainland China, India, Indonesia, Malaysia, and South Korea
- Collaborated closely with creditors, legal advisors, company management, and investors to align restructuring goals, resolve disputes, and implement commercially viable recovery and turnaround plans
Manager, Corporate Finance & Restructuring
Ernst & Young Singapore
03.2006 - 07.2010
- Led complex insolvency cases and supported stakeholders in managing contentious recoveries, non-performing loan exposures, and the formulation and negotiation of restructuring plans
- Directed multiple financial and operational restructuring and insolvency engagements, including both formal and informal appointments such as Receivership, Judicial Management, and Liquidation
- Managed end-to-end restructuring assignments involving financial and operational performance reviews, with a focus on optimizing stakeholder returns, restoring enterprise value, and delivering fraud investigation and litigation support
- Handled numerous complex cross-border engagements involving jurisdictions such as the United States, Hong Kong, Mainland China, India, Indonesia, Malaysia, and South Korea
Senior Associate, Audit
Ernst & Young Singapore
07.2003 - 07.2006
- Led audit teams for listed companies across diverse industries, ensuring compliance with regulatory standards and delivering comprehensive financial reporting and risk assessments.
Education
Bachelor of Accountancy -
Nanyang Technological University
Singapore07.2003
Skills
- Credit evaluation skills
- Financial analysis expertise
- Risk evaluation and management
- Credit risk management
- Recovery & Collections Strategy and Management
- Non-Performing Loan (NPL) Resolution
- Distressed & Special Situation Investment
- Loan Workout & Portfolio Restructuring
- Turnaround & Restructuring
- Enforcement & Insolvency
- Portfolio Management
- Stakeholder Engagement & Management
- Negotiation expertise
- Navigating uncertainty
- Effective communication and presentation skills
- PMO leadership
- Seasoned leader with significant experience supervising teams
- Effective coaching and mentoring
- Strategic business insights
- Strategic business leadership
- Collaborative teamwork
- Policy development and enforcement
- Strategic planning
- Account management
- Business development
- Financial management
- Deep and extensive network
- Regional/ Cross-border experience
Certification
- Corporate Credit Risk Management Certification
- Moody's Credit Skills Assessment Certification
LANGUAGES AND COMPUTER LITERACY
English (Written & Spoken)
Chinese (Written & Spoken)
Cantonese (Spoken)
Microsoft Office Suite
Timeline
Managing Director, Corporate Finance & Restructuring
FTI Consulting Singapore
05.2023 - 05.2025
Director, Special Asset Group
Standard Chartered Bank
08.2016 - 08.2022
Director, Restructuring Advisory
KPMG Singapore
08.2010 - 07.2016
Manager, Corporate Finance & Restructuring
Ernst & Young Singapore
03.2006 - 07.2010
Senior Associate, Audit
Ernst & Young Singapore
07.2003 - 07.2006
Bachelor of Accountancy -
Nanyang Technological University
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