Kelvin Teo
speaker
586 appearances
1 recordings
1 series
first heard Mar 2026
last heard 15 Mar
Kelvin Teo’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Mar 2026 with 1.
Appearances
Capacity is really cash flow capacity, right?
That how do I know what's your cash flow for the next six, twelve months or so?
That's why naturally my loon tenants has to be short because how the hell would I know what happened 12 months from now?
But I can probably know what will happen six, nine months from now, right?
That you may not be alive next year, but you have enough money to pay me now.
So getting conditioned, how do I struck structure the product?
So
Also that came in a bit later in terms of ability because initially, like I didn't we didn't even know what's invoice financing and we've gradually learned it also.
Like, but later on, we built a very strong capability in terms of both product structuring as well as cash flow capacity estimation.
Right.
And then subsequently later on, with experts we were very fortunate to have a more risk committee that was chaired by Terry C, who was an advisor for us since 2015, to help us to avoid the major mistakes that the Chinese have made.
And then
Once you have a repetitive execution, you start laying on with digitalization technology.
And then once we accumulate enough data, we layer on with AI.
And then once the company reaches a certain scale, we layer off with not just country credit, but overall regional risk management, like what the banks are doing.
So and so forth, right?
So and we of course try to learn from our mistakes that most of our peers that we have that collapsed in the last few years collapse because of two reasons, right?
Either corporate governance or concentration risk.
Right.
We learned, I think corporate governance were quite fortunate that Sakoya actually hold held us at very high part since 2016, right?
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