Our team.
Cheng Kah Weng Director
Highly experienced professional in the financial services sector, with over 15 years of in-depth expertise in personal loan financing, particularly through ANGKASA salary deduction for civil servants.
As Director of YTAA FinServices Sdn Bhd, he is responsible for ensuring operational efficiency across the business, implementing rigorous credit assessment processes, and managing the full financing lifecycle from acquisition to collections. His strengths in data analysis, problem solving, and team leadership have been pivotal in maintaining high-quality loan portfolios and driving business growth.
Throughout his career, Cheng has developed strong relationships with major financial institutions and cooperatives, including RCE (KOWAJA), KOWAMAS, MBSB, Yayasan Perlis, KOP Konsumer, and others. He has served on the board of directors of Koperasi Era Baru Berhad and SDPay Solution Sdn Bhd, contributing significantly to the development and marketing of cooperative loan products.
As the founder of TrioAsset Sdn Bhd, he ventured into fintech with the creation of a digital Ar-Rahnu (Islamic pawn) platform, demonstrating his innovative mindset and ability to adapt to the evolving financial landscape. His communication and networking skills further reinforce his role as a key player in Malaysia’s civil servant financing ecosystem.
He holds a Bachelor of Engineering (Hons) in Material and Mineral Engineering from Universiti Sains Malaysia
Cheong King Lun Director
He is a seasoned professional with over 15 years of experience in the personal financing sector, particularly for civil servants.
Currently serving as the Director of YTAA FinServices Sdn Bhd, he leads strategic planning and execution to meet profitability goals, enforces prudent credit and operational processes, and oversees the company’s end-to-end operations from sales to collections. His expertise lies in implementing robust credit workflows, maintaining customer quality, and driving sustainable business growth.
Previously, Cheong played a pivotal role at KL Cergas Services and MTeam Sdn Bhd, where he worked in close collaboration with reputable cooperatives and credit companies such as RCE Capital Berhad, MBSB, MaxCash, and Koperasi Konsumer Berhad.
He was instrumental in building and mentoring high-performing sales teams, analysing market trends, and crafting comprehensive business strategies. His consistent track record of achieving quality sales targets, coupled with his operational leadership and strategic insights, underscores his commitment to excellence and innovation in the civil servant financing industry.
He holds a Bachelor of Arts degree in Economics and International Business from Monash University (2005).