Board of Directors

  • Sanjiv Misra
    Non-executive Chairman

    Sanjiv is Chairman of the Asia Pacific Advisory Board for Apollo Global Management, a global private equity and alternative asset management firm, and President of Phoenix Advisers, a boutique advisory and principal investing firm. He also serves as a Non-executive Director of Partners Capital Investment Group LLP, Singapore Symphonia Company (Singapore Symphony Group) and BW Group Limited. Sanjiv has previously served on the Boards of listed and unlisted companies, including roles as an Independent and Non-executive Director of Olam Group Limited, a Non-executive Director of EDBI Pte Ltd, and Lead Independent Director of OUE Hospitality REIT Management and OUE Hospitality Trust Management.

    Sanjiv has extensive investment banking and management experience at Goldman Sachs and Citigroup. He held several senior positions at Citi; Head of Asia Pacific Investment Banking; Head of the Asia Pacific Corporate Bank; CEO of Citi’s Institutional businesses in Singapore and Brunei and Citi Country Officer in Singapore. He previously spent ten years at Goldman Sachs in New York, Hong Kong and Singapore.

    He holds a Bachelor of Arts Degree in Economics from St. Stephen’s College, Delhi University, a Post-Graduate Diploma in Management from the Indian Institute of Management, Ahmedabad, and a Master of Management from the J.L. Kellogg Graduate School of Management at Northwestern University. He is a citizen of Singapore.

  • Loh Khum Yean
    Non-executive Director

    Khum Yean is Chairman of the National Parks Board. He was the Permanent Secretary of the Public Service Division in the Prime Minister’s Office before retiring from the public service in September 2023. Khum Yean has an extensive career within the public service that spanned 33 years having held various appointments in the former Ministry of Communications, SPRING Singapore, Ministry of Trade and Industry, Ministry of Finance, Ministry of Manpower and Ministry of Law.

  • Rajeev Kannan
    Non-executive Director

    Rajeev is the Managing Executive Officer of Sumitomo Mitsui Banking Corporation (SMBC) and Sumitomo Mitsui Financial Group (SMFG) and Co-Head of Asia Pacific and is responsible for SMBC & SMFG’s business in Asia Pacific region. Rajeev has previously been responsible building its corporate and institutional banking business in Asia Pacific between 2020 and 2022 and the investment banking business for Asia between 2016 and 2020. Rajeev was also previously based in Tokyo between 2012-2016 as Executive Officer responsible for Global Structured Finance.

    Rajeev’s banking career spans nearly 30 years having held various leadership roles with global, regional and product responsibilities. Rajeev has a deep experience in corporate and investment banking, structured finance, principal investments and infrastructure and green finance and is passionate about building businesses and diverse teams to drive innovation, adaptability and sustainable growth. He is also non-executive Director of Fullerton India Credit Company Limited (FICC) and ESR HK Limited.

    Rajeev graduated from Birla Institute of Technology & Science (BITS), Pilani in India with a master’s degree in management and engineering. Rajeev was conferred the Institute of Banking and Finance (IBF) Distinguished Fellow Award in 2019.

  • Patrick Lee
    Non-executive Director

    Patrick is Cluster Chief Executive Officer of Standard Chartered Bank for Singapore and ASEAN markets. Prior to that, he was Standard Chartered’s CEO Singapore and Head of Global Banking, Singapore; Managing Director, Head of South East Asia Investment Banking at Nomura; Head of Singapore/Malaysia Investment Banking at UBS and Executive Director, Investment Banking at Morgan Stanley.

    He has over 25 years of experience in the banking industry, including corporate and investment banking, product and sector coverage, and has held roles in Singapore, Hong Kong and London.

    Patrick graduated with BA / MA (First Class Honors) in English from Trinity College, Cambridge.

  • Teo Swee Lian
    Non-executive Director

    Swee Lian is the Chairman of CapitaLand Integrated Commercial Trust Management Limited, and a Non-executive and Independent Director of Singtel Group, Avanda Investment Management Pte Ltd and HSBC Holdings plc.

    Swee Lian was Special Advisor in the Managing Director’s Office at the Monetary Authority of Singapore (MAS). Prior to that, she was the Deputy Managing Director of Financial Supervision, where she oversaw macroeconomic surveillance, regulation and supervision of the banking, insurance and capital markets industries in Singapore. During her time with MAS, she also worked in reserves management, development, external relations and strategic planning. Swee Lian was awarded the Public Administration Medal (Gold) (Bar) at the Singapore National Day Awards 2012.

    She holds a Bachelor of Science (First Class Honours) in Mathematics from Imperial College, London University and a Master of Science in Applied Statistics from Oxford University.

  • Lee Chuan Teck
    Non-executive Director

    Chuan Teck is the Executive Chairman of Enterprise Singapore, which is the government agency championing enterprise development. The agency works with committed companies to build capabilities, innovate and internationalise. It also supports the growth of Singapore as a hub for global trading and startups, and builds trust in Singapore’s products and services through quality and standards.

    Previously Enterprise Singapore’s Chief Executive Officer, Chuan Teck was appointed as Executive Chairman on 1 April 2024.

    Prior to this, he was Permanent Secretary (Development) of the Ministry of Trade and Industry from June 2018 to April 2023 where he was responsible for the development of Singapore-based enterprises, and oversaw the tourism and energy sectors, as well as competition and consumer protection issues. On the trade front, he focused on expanding economic connectivity and strengthening bilateral economic relationships with Southeast, South and Central Asia and Latin America.

    He started his public service career with the Monetary Authority of Singapore in 1992 covering various roles, including reserves investment, monetary policy and capital market regulation. In 2014, he was appointed Deputy Secretary (Land and Corporate) of the Ministry of Transport, where he led the restructuring of the public bus and rail sector and spearheaded the deployment of autonomous vehicles in Singapore.

    He also serves on the boards of the Economic Development Board, EDBI, National Research Foundation, Singapore Trade Data Exchange Services Pte Ltd, and Singapore Health Services Pte Ltd.

    He was conferred the Public Administration Medal (Gold) in 2021.

  • Elbert Pattijn
    Non-executive Director

    Elbert retired as the Chief Risk Officer of DBS Group Holdings in 2018, where he was responsible for the management of credit, market, liquidity and operational risks. Prior to this, he was Managing Director and Head of Specialised Corporate and Investment Banking, responsible for DBS’ corporate and investment banking activities.

    He has more than three decades of experience in the banking industry and has held progressively senior positions at Barclays Bank, ABN Amro and ING Group prior to joining DBS.

    Between 31 Jan 2012 and 17 Mar 2015, Elbert was DBS’ nominee Director to Clifford Capital and he was the Risk Committee Chairman between Dec 2012 and Mar 2015.

    A Dutch national, he holds a Master’s degree in Law from the University of Leiden in The Netherlands.

  • PARK Kyung-Ah
    Non-executive Director

    Kyung-Ah is the Managing Director of ESG Investment Management at Temasek, where she leads ESG integration across Temasek’s global investments and works closely with the investment teams to advance ESG related investments, partner with Temasek portfolio companies, and drive long-term sustainable value across the portfolio.

    Kyung-Ah has over two decades of experience in the investment banking industry, 14 years of which has been dedicated to building and leading the global environmental markets initiatives at Goldman Sachs and scaling financial solutions to address climate change. Most recently, she was a Managing Director and the head of Environmental Markets and Innovation in the Sustainable Finance Group at Goldman Sachs.  She also served as a member of the firm’s Sustainable Finance Steering Group and was the head of the Center for Environmental Markets. Prior to Goldman Sachs, she was a management consultant at McKinsey in Seoul, Korea and Johannesburg, South Africa.

    Kyung-Ah has an MBA from Harvard Business School and a BA from Yonsei University in Korea.  She serves on the Board of ClimateWorks Foundation and Resources for the Future.

  • Guy Harvey Samuel
    Non-executive Director

    Guy is currently a Board Member of Wing Tai Holdings Limited, Mapletree Industrial Trust Management Ltd and M1 Limited. He is also Chairman of Capella Hotel Group Pte Ltd.

    In the past he has also served on the Boards of Surbana Jurong Private Limited, JTC Corporation, The National Arts Council and the National Parks Board, and was the Chairman of the Board of Trustees of the National Youth Achievement Award Council and Vice Chairman of the Community Chest.

    Guy was formerly the non-executive Chairman of HSBC Bank (Singapore) Limited, following his retirement as Group General Manager, Chief Executive Officer of Singapore with The HSBC Group in 2017. He was also a member of HSBC Asia’s Executive Committee and had direct responsibility for all HSBC operations in Singapore. Prior to that, he was HSBC’s Group General Manager and Head of International Countries, Asia Pacific based in Hong Kong. He joined HSBC in 1978 and has worked in 12 different countries across the world, undertaking senior management roles in Australia, the United Kingdom, Hong Kong, Malaysia and Singapore.

    Guy is a Singapore Citizen and a Justice of the Peace. He is married with two adult sons.

  • Jackie B. Surtani
    Non-executive Director

    Jackie is the Regional Director for the Asian Development Bank’s Singapore Office.

    His last role within ADB prior to relocation to Singapore was Director of the Infrastructure Finance Division covering East Asia, Southeast Asia and the Pacific in the Private Sector Operations Department of the Asian Development Bank.

    Prior to re-joining ADB in 2017, Jackie was Regional Chief Risk Officer of the Asian commercial finance unit at Siemens Financial Services. He has also held several senior positions in Project Finance teams across Chase Manhattan Bank (now JP Morgan), Credit Suisse, and Head of KBC Bank’s Asian Project Finance business in Hong Kong, Singapore, and Sydney from inception for 14 years.

    Jackie has over 32 years of experience in Asian infrastructure lending and advisory. In particular, he has extensive experience in the South-East Asia power sector and has led several ground-breaking and innovative transactions that have been recognized by leading industry publications.

    Jackie graduated with a First Class Honours degree with a Bachelor of Science from the University of East Anglia and obtained his Master of Philosophy degree in Management Studies from the University of Oxford.

  • Audra Low
    Clifford Capital Pte. Ltd. (CCPL) Chief Executive Officer & Executive Director and Group Head of Client Coverage

    Audra has overall responsibility for strategic leadership for the company and performance of the business. Since joining Clifford Capital at its inception in 2012 as Head of Origination and Structuring, Audra had spearheaded the growth of the Clifford Capital franchise in the relevant project and asset finance markets across the sectors covered by the company.

    She brings with her a wealth of experience working with Singapore-based companies on infrastructure projects locally and overseas. Prior to Clifford Capital, she spent 12 years in project finance with HSBC, playing a key role in the origination and financing of numerous award-winning projects in South East Asia, both as financial advisor and lead arranger.

    Audra has an MBA from New York University Stern School of Business and a Bachelor of Accountancy from Nanyang Technological University.

  • P. Murlidhar (Murli) Maiya
    Group Chief Executive Officer & Executive Director

    Murli joined Clifford Capital Holdings (CCH) in 2023 as Group Chief Executive Officer (GCEO) and Executive Director. He is responsible for the overall performance and strategic direction of CCH and its various subsidiaries and affiliates.

    Murli has 30 years of experience in investment banking across product and industry groups. Prior to joining CCH, Murli worked within the investment bank at JPMorgan and its affiliates for nearly three decades in Hong Kong, Singapore and India. During his time at JPMorgan, he ran several regional businesses, including Asia Pacific (APAC) Investment Banking, APAC Equity Capital Markets, APAC Financial Institutions coverage and Asia ex-Japan Debt Capital Markets. He has also acted as JP Morgan’s regional CEO for South and Southeast Asia.

    Murli holds an MBA from the India Institute of Management (Kolkata) and a Bachelor of Engineering (Mechanical) from the National Institute of Technology in Karnataka, India.


Leadership Team

  • Audra Low
    Clifford Capital Pte. Ltd. (CCPL) Chief Executive Officer & Executive Director and Group Head of Client Coverage

    Audra has overall responsibility for strategic leadership for the company and performance of the business. Since joining Clifford Capital at its inception in 2012 as Head of Origination and Structuring, Audra had spearheaded the growth of the Clifford Capital franchise in the relevant project and asset finance markets across the sectors covered by the company.

    She brings with her a wealth of experience working with Singapore-based companies on infrastructure projects locally and overseas. Prior to Clifford Capital, she spent 12 years in project finance with HSBC, playing a key role in the origination and financing of numerous award-winning projects in South East Asia, both as financial advisor and lead arranger.

    Audra has an MBA from New York University Stern School of Business and a Bachelor of Accountancy from Nanyang Technological University.

  • Kai Ngian
    Head of Energy & Utilities

    Kai jointly leads client coverage, and deal origination, structuring and execution for Clifford Capital with a focus on the infrastructure sector.

    He has over 12 years’ experience in project and structured finance, with roles at Mizuho Bank, DBS and Singapore Power. During this time, Kai led financial advisory and lending transactions for a wide range of projects covering power (conventional and renewables), natural resources (oil and gas, LNG) and infrastructure.

    Kai holds an MBA from the University of Cambridge, as well as a Master of Business Law from the University of Sydney.

  • Jolene Chew
    Head of Maritime Industries

    Jolene leads client coverage, deal origination, structuring and execution activities for the Maritime Industries sector in Clifford Capital.

    She has 20 years’ experience in the maritime sector, with more than a decade as an offshore and shipping financier in Asia, Europe and U.S. Her prior experience also includes roles at the Maritime and Port Authority of Singapore.

    Jolene holds a Master of Science in Finance from Singapore Management University and a Bachelor of Engineering in Chemical Engineering from the National University of Singapore.