Congratulations to the 2018 Credit Management Excellence Award (CMEA) Winner, Ms. Galina HO. The award was presented by Mr. Stephen LO, Chairman of Award & Education Committee.

The purpose of the CMEA is to recognize the achievements of an individual in the credit management industry. The winner is chosen based on five criteria and subject to the approval from the Executive Committee of the HKCCMA. The criteria are:

1. Minimum 10 years or above credit management working experience
2. Solid credit and collection knowledge or distinction in the credit management industry
3. Significant contribution to credit management process in the credit management industry, e.g. credit scoring model
4. Enthusiasm in promoting the education of young credit and collection practitioners.
5. Pre-eminence in the practice of credit management

Below is the text of the speech as given by Ms. Galina HO, on accepting this prestigious award.

Dear Ladies and Gentlemen!

It is a great honor for me to stand here today. I am sincerely grateful for the nomination. A very special thanks to the HKCCMA Board for selecting me. I am pleased, honored and humbled to accept this award and to join past recipients who I have long respected.

Just to give you a little perspective on my career. I have been working in credit bureau business basically for life with dominant global players CRIF, Experian and TransUnion. After over 20 years of learning the value of credit and data, I believe I should challenge myself to pursue career in Tradeshift, the SaaS-based technology company. Tradeshift is a unicorn and is the cloud based Source-to-Pay (S2P) business network and platform (i.e. source-to-contract; procure-to-invoice; and invoice-to-pay) for supply chain payments, finance, marketplaces, and apps.

Ever since the world has become one enormous marketplace, it's not hard to see how SaaS technologies and 'digitalization' (….not 'digitization' which was talked about for decades) increase traction and make the supply chain more agile. Even B2B are looking for 'instant and all at once' operations and customer experiences while taking advantage to cut costs and build value.

At the end of the day, we work in a world that we cannot ignore how technology company is fast changing the world. There is always new ways in running your business. It is an exciting era for everyone.

HKCCMA has supported all industry participants to grow and flourish. With their broad perspectives, they have helped to make the industry more united as one. May we all continue to work together, nurture and support each other and help grow our economy.

Thank you.