Matt Tam

With 5+ years of experience across Hong Kong's fast-paced banking ecosystem, I’ve worked at the intersection of high-stakes financial risk management and international relationship building. Whether steering a USD 40 million loan portfolio or advising clients on unconventional investment strategies in Greater Bay Area, I approach challenges with an analytical rigor sharpened by my Investment Science background and a creative flair honed in the boardrooms of HSBC.

Now, I am strategically pivoting towards Debt Capital Markets (DCM) roles, bridging the gap between commercial banking and DCM. My career shift is not just about transferable skills but leveraging the uncelebrated strengths from my banking experience—such as anticipating market shifts based on client insights, applying risk management techniques to identify low-risk, high-return debt instruments, and navigating regulatory landscapes with an insider’s perspective.

Currently pursuing my MBA at Singapore Management University, I’m looking at finance from fresh angles—rethinking strategies, embracing disruption, and questioning the norms that guide conventional banking wisdom. My journey has been fueled by curiosity, a hunger for growth, and an unwavering commitment to my clients' financial success. I don't just "manage risk"—I look for the untapped opportunities within it.

Technically savvy with SQL and R, but I believe that technology only unlocks its true potential when paired with human intuition and an innate understanding of complex markets. Fluent in three languages (English, Mandarin, and Cantonese), I bridge not only cultures but also perspectives, pushing for growth in ways that defy the status quo.

Beyond finance, I dedicate time to mentoring teenagers and teaching Bible studies at Church Assembly Hall in Hong Kong, helping the next generation build strong personal values and life skills.

Matt is a results-oriented finance professional with over five years of progressive experience across commercial, personal, and international banking functions within HSBC and Standard Chartered in Hong Kong. His career trajectory reflects a solid blend of relationship management, credit analysis, and cross-border business development, underpinned by certifications in financial risk and data analytics.

Beginning his career at Standard Chartered, Matt developed his foundational skills in business development by identifying client needs and delivering tailored solutions across business banking and insurance verticals. He transitioned to HSBC, where he advanced through four roles of increasing responsibility, culminating in his most recent position as Assistant Vice President of International Relationship Management in Commercial Banking.

In this capacity, he directly managed a USD 40 million loan portfolio, overseeing compliance with reporting and covenant requirements, and evaluating complex credit structures across lines of credit, asset-based lending, and equipment financing. In his prior role with HSBC’s China team, Matt demonstrated strong cross-border client acquisition skills, managing over 100 clients with a combined AUM of USD 200 million in the Greater Bay Area. His advice spanned both conventional and alternative investment strategies, with a focus on integrating client goals with HSBC’s trade and investment offerings.

Earlier roles in Wealth and Personal Banking and Retail Banking refined his client advisory and compliance skills, particularly in regulatory due diligence, source-of-wealth reviews, and structured product recommendations. Matt’s 360-degree exposure to frontline banking functions makes him a rare profile who understands the nuances of retail onboarding, mid-market lending, and cross-border institutional client management.

Matt is also a trilingual communicator (English, Mandarin, Cantonese) and a committed volunteer, having led youth mentorship and Bible studies in Hong Kong since 2013. His profile is one of balanced intellect, interpersonal sensitivity, and an emerging thought leader who bridges legacy banking models with forward-thinking financial strategies.

Matt holds a Bachelor’s in Investment Science and is currently pursuing a full-time MBA in Finance at Singapore Management University (CGPA 3.58), with an intended pivot toward Debt Capital Markets (DCM) roles. He has passed the CFA Level I Exam and holds the FRM designation, alongside certifications in Google Advanced Data Analytics and CFP (Advanced Level Paper 1). Technically proficient in SQL and R, he brings a data-informed lens to financial decision-making.