Mr. Germany Heng, a Fellow member of the Association since 2000, has been engaged in field of financial, professional and credit risks management for over 30 years. He is the current Vice Chairman since 2013. He was the Chairman of Membership Committee in 2003 and panel committee member of the Editorial, Annual Award and Certification Committees between 2002 – 2005. He was the Chief Editor of the bi-annual publication of the "Who's Who of Credit and Collection Practitioners in Hong Kong & Guangdong 2004 Edition". He took the Chair of Education Committee in 2011 as well has served as the Secretary and Treasurer since 2012.

Mr. Heng has joined Capstone Insurance Brokers since August 2022 as Managing Director. Prior to his new role he was with MI Insurance Brokers.

Prior to that, in 2016, Mr. Heng was with AMTD Group Company as Senior Vice President in Insurance and Risk Solutions and Head of Client Coverage. Prior to joining AMTD, he cofound and was the Executive Director of SAL Insurance Brokers Limited, a specialty insurance broker with focus in niche insurance products for the Hong Kong and Asian markets.

Before founding SAL Insurance Brokers in 2011, Mr. Heng was with the world's oldest insurance company - Royal & Sun Alliance Insurance plc (RSA), Hong Kong Branch. He was instrumental in heading the Credit Management team in 1998 and putting in place Credit Management Procedure for the Hong Kong operation. He subsequently taken up the role of trading underwriter in the Professional & Financial Risks Practice. His last tenure with RSA was in the area of Brokers and Agents Development within the Sales and Marketing team.

In 1994, Mr. Heng was accredited by Credit Institute of Canada (CIC) a professional designation of FCI (Fellow Credit Institute), now known as The Certified Credit Professional (CCP).

In 2002, Mr. Heng was accredited the CCCE designation (Certified Consumer Credit Executive) from ACA International Association (formerly known as the Society of Certified Credit and Collection Professionals (SCCCP).