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Degree in mechanical engineering from the University of Glasgow, Scotland

Master of Applied Science in operations research from the University of Waterloo, Canada

MBA with distinction from NYU Stern School of Business

Tj Lim

Group Risk Officer

He started his career at JP Morgan in 1983 where he was a member of the group which started the swap business at JP Morgan. He covered the role of European Head of Fixed Income at UBS and moved to Dresdner Kleinwort Benson as Co-Head of the Global Markets Division and member of the Management Board.

At Merrill Lynch he was Managing Director and Head of Merrill Lynch's International Debt Markets and member of the Ex. Mgmt Committee for Merrill Lynch Europe Middle East and Africa.

Tj was founder and CEO of New Smith Financial Products, the Credit Advisory arm of New Smith Capital Partners

Tj joined UniCredit Group in 2008, following the acquisition of NSFP, as Head of Markets at CIB Division. On October 2016 he was appointed Group Deputy Chief Risk Officer, in charge of orchestrating the management and disposals of Non-Performing Loans, Repossessed Assets, Bad Loans and any Distressed Assets.

In July 2017 Tj became also responsible for the new Group NPE structure.

In September 2017, he was appointed Group Chief Risk Officer in charge of the Group Risk Management activities, with a specific focus on strategic steering of risks at Group level and the definition of Risk Management policies and guidelines.

From May 2021, Tj continues as Group Risk Officer.