Wednesday, 17 January 2018


Transmile was making the wrong shift that led to its demise.

Happy day, everyone.
Transmile is the company that I served the longest. It offered me a platform where I was initially given a free hand to put into practice the concept of lean finance which I have learnt from one of the previous companies which I have served and had implemented the 3S successfully.
My past experience with the other companies I served helped me to navigate the lean finance indicators to constantly improve the company performance. I was very fortunate to be able to master these skills through fine tuning my approach and know how from time to time.

However, this approach was set aside after I was removed from the financial division. I was tasked by the top management to focus and lead the internal audit and risk management unit. I was able to craft the charter for the unit which was approved by them but was never utilised for reasons best known to themselves. As a result, this unit was unable to function as it lacked support from the management.

Prior to my removal from the finance unit, I had achieved many amazing milestones. When I joined the company, it was given a debenture holder to a bank. I also managed to get another bank not only to take over the loan but also to offer it on clean facilities (without collateral securities) with much better rates and conditions.

To achieve this I have to think outside the box to create feasible term loans from the bankers' perspectives in order that they are comfortable enough to grant us facilities on a clean basis.

On top of that, I also took the initiatives to explore cross-border leasing but it could not proceed further as the loan sum was too small.

Other initiatives I adopted was natural hedging where we matched our foreign income with our payments to minimise our forex exposure risk.

Since we are an aviation company, fuel costs can be quite daunting and measures should be taken to ensure its consumption was used efficiently. Naturally, it will be wiser for us to embark on fuel hedging to lock in our profit especially for our fixed term contracts.

I hope I have provided you some insights into the tasks of a financial controller and certain financial tools. I hope that all these will be useful to you all. At the height of my career we also managed to access the Llyold market directly to obtain unbelievable rates for our fleet. I was initially proud to be one of the pioneers of the company. I had put my heart and soul into turning many adversaries into blessings.

On the operations side, my ongoing implementation of certain practices has helped to improve our efficiency by close monitoring and attention to details. The daily collection, cash flow, daily fuel consumption and loading report were always on my radar system.

I have also introduced and implemented short-term strategies, apart from profit rationale exercise, to address the ASEAN financial crisis and reposition our aircraft globally to achieve sustainable business growth and profitability during my term as financial controller cum internal audit head.

I was ever ready to learn and implement anything that was worthwhile and benefited the company. It was also for my own pride, fulfillment as well as my satisfaction. This was the company I prided myself to be in and I was willing to put in all my foresight and business acumen to make it a reputable and well-established venture.

However, it was not meant to be like that. The top management has a different vision from mine. They were unscrupulous and mismanaged the company which led them to go against the law and some of them are now battling criminal charges.

I am so thankful that I am not one of them who were blinded by greed. Thank God for leading me to the right path.

Hope you find this post interesting and useful. Stay tuned for more stories about my experience.

With unconditional love,
James Oh

Monday, 15 January 2018



Turning point of my career
Greetings from Malaysia,
In my preceding post, I mentioned that I was successful in making a claim from the insurance company. As a result, I was given more and more responsibilities. However, this proved detrimental to me. As I demonstrated my capabilities I attracted competitions and backstabbing from some of my cohorts who are possessed with crab mentality. My abilities and flexibility to handle tough situations led to my downfall. I was not appreciated as the top management considered me a threat.

I was then assigned the unenviable task of investigating the practices of the top management’s relatives. I found some malpractices and some which infringed the law but was not given a free hand to handle them. Then I suggested to let the relevant authorities to investigate my findings. The top management turned a deaf ear and refused to take any actions. I was at a loss as to what to do.

My hands were tied and I could not do anything. I was so frustrated but could not leave the company as I was the sole breadwinner.

I then decided to take a firm stand and decided not to pursue further. They then decided to remove me from the internal audit to yet another unit. This time I was to work together with those I was asked to investigate earlier. I was very very miserable and was pushed into a corner and isolated.

Thankfully not long after that the authorities came and discovered that they had fraudulently inflated and overstated their revenues. This eventually led to the demise of the company.

However, rumours were being circulated outside in the business world about the company. The human resource manager had no choice but to force every staff to execute a non-disclosure agreement to cover up all unhealthy practices. However, it is impossible to cover the raging flame with a piece of paper. This shocking news spread like wildfire throughout the media and several top management were charged for falsified accounts.

Thank you, Lord, for sustaining me and guided me not to give in and collaborated with them. I am grateful to Him for giving me the wisdom and the strength to repeal the oppression from the top management of the company. After the turbulence, I have emerged a much stronger person and are able to take up any challenges.

Stay tuned for more exciting insider stories,

With unconditional love,
James Oh

Tuesday, 10 October 2017


A very happy day, everyone. 

First, permit me to express my heartfelt thanks and appreciation for your continued support and guidance. This has motivated me to continue publishing my articles both online and offline. At the time of writing, my articles have been featured in more than 10 magazines and journals.

One of my articles has been selected and published for the consecutive year in Mira's limited copies of investment supplements which will be distributed to all their members at the Sime Darby Convention Centre in conjunction with their IR Award 2017 next month. I am pleased that I have been exclusively invited as a guest for this forthcoming event on 10th Oct 2017.

In this connection, I would like to express my heartfelt thanks to Miss May Tan for proposing that my articles be included in this booklet.

I would also like to thank the people who have touched my life directly or indirectly. As such, I hope to fulfill my dream of contributing back to the society whose goodwill has benefited me so far.

Saturday, 29 July 2017


Very happy morning 

I am James Oh from "Lift You Up Plt. ! " I am a mobile professional trainer who have great passion in numbers. (put my heart on my heart)

A sexy financial account is like a sexy lady :-

- Huge revenue (put my hand on my chest) 
- small expenses (put my hand on my waist) 
- Big Profit (put my hand on my bump). 

Basically, I help my clients to shape their companies into "sexy" ones!

Please refer me to companies that have such a desire. 

Let me be your Sexy Financial Trainer!

- in 40 seconds

Tuesday, 27 June 2017


'The test of a first-rate intelligence is the ability to hold two opposed ideas in mind at the same time and still retain the ability to function.' F. Scott Fitzgerald 

Wednesday, 31 May 2017




Introductions and Expectations

The Scary Situation of Statistics findings
Bloom Taxonomy’s Thinking Skills
What is Innovation?
How to cultivate thinking and Innovation?
What are the tools and techniques?

Direct, drive and deliver Value creation through 5Rs

What are 5Rs?
How those 5Rs are being employed through Innovation Implementation?

Higher Think Skills

How to develop 5Cs
What are they?
Critical thinking skill
Communication &
Useful Tips through 5Bs
What are the 5 Bs
-       Strengthening Belief
-       Overcoming Barriers
-       Pushing over Borders
-       Crossing the Boundaries
-       To Be

Adapting Growth Mindsets

How they are different from Fixed Mindset
Prof. Carol Dwech’s findings
How to adapt Growth Mindset
Why it is important in today’s business landscape?

How to make access to Higher Faculty

What are the Higher Faculties?
Reasoning, Intuition, Will & Imagination
How they work?
Why this is important in today’s environment


Day II

Essential Soft skills

Effective Communication
Analytical and Evaluation Skills
Problem Solving Skills
How to effectively employ the new strategic tools and technique? 

Games/ Activities
Sum up / Q & A / Discussion

Stay Focus on the Main Purpose

Setting the appropriate priorities to cope with the dynamic situation
Proper alignment to the main purpose
Pursuit of Perfection (concept and uses)
Through 5 Vs
What are they?
Vision, Values, Virtues, Voices + Versatile
How they work

Video + Discussion

Key Opportunities, Challenges & Priorities

What are the Key challenges and opportunities in this Uncertain, Volatile, Complex and Ambiguous situation.
How to Master, depart and making transformation?
How to redefine your thinking process to accelerate growth?
Challenge Mastery and to have breakthrough results
Creative imagination
What are the key drivers?
What need to be done in this;
Change is certain & how to embrace change mind-set? Discussion
Why and how to focus on new opportunities & priorities
How to learn, Unlearn and relearn

A Plan to Take Home

This session will challenge the participants to think about Roadblocks & Pitfalls to implementation
Redefine your destination
Shape your character
How to bring these learned lessons into the organization

Sum Up/ Q & A
Key take-back messages


Sunday, 28 May 2017



The world is changing at a much faster pace than ever before. Global connectivity, smart machines, new media and the evolution of governance are just some of the key drivers reshaping the expectations of all stakeholders on every business owner and finance function. It is a must to play a critical and strategic role in bringing the much required stability to business and society.

After the end of this program, the participant will be able to:-
•    Demonstrate entrepreneur mindset, know-how and required essential key skills that can support business and personal goals
•    See the big picture by constantly communicating their purpose / ideas clearly, compellingly and passionately
•    Have good and deep understanding of what it takes to be successful entrepreneur;  
•    Craft and formulate a more agile and productive team by employing creative solutions
•    Understand what key decision makers are looking for
•    Practice Continuous learning by pursuing perfection
•    Have Ownership and accountability for their team through leadership by example
•    Identify the key drivers for success in line with his goals by responding to the external changes
•    Ascertain what action is needed by the organisational decision makers in challenging the status quo
•    Describe the ways in which entrepreneurs perceive opportunity, manage risk, and organize resources and add value.    


Day I


Introductions and expectations
What is entrepreneurship?
Who is an entrepreneur?
How to be a successful entrepreneur?
How Strategic Planning and Management link with entrepreneur?
How entrepreneur think
Effectual and Causal Reasoning
What they mean?

Direct, drive and deliver Value creation through 5Rs

What are 5Rs?
How those 5Rs being employed through Innovation Implementation?


What it takes to be Effective Entrepreneur
Effectual reasoning and not casual reasoning
What are their differences?
How they work
Ready, Fire, Aim
What successful entrepreneurs are looking for?
What strategic questions that must be answered?
How to develop new skills and competencies to deliver increased value?
5 Cs (Collaboration, Communication, Critical Thinking, Creativity & Character)
How they work
Qualities of effective entrepreneur
Leadership by example,
Metric measurements, how to develop and use them?
Video/ Games


Setting Strategic Direction
What is Mission?
What is Vision?
What is Strategic?
What’s the link and relationship between all these key ingredients?
What are the 5 steps approaches?
What are they?
What are the factors that caused the strategy fails?



What are the New Skills and Competencies required in 21st centuries?
Excellent analytical skills in terms of financial, market, statistical and sophisticated modelling techniques
Use of multi-discipline team approach
To integrate inputs from diverse sources
Back by strong commercial acumen characterised by strong product, process and market knowledge
Adopt best practices
Sound, solid and sane problem solving skills
Key metric measurements that shape behaviour: how to set
How to apply new strategic tools to create value for the company by looking beyond financial statements
How to effectively employ the new strategic tools and technique? 
Video, activities and group discussion

Sum up / Q & A / Discussion
Day II


Higher Order Thinking Skills
Bloom Taxonomy’s theory
What are higher Thinking Skills?
Why it is important
How can it help?

What is Creative?
What is Innovation?
How are they related?

Evaluation and control
How much progress has been made in accomplishing the task?
What is preventing us from moving forward?
What adjustments should be made to the initial strategic and operating plans?
Is there a need to revise the strategic objectives?



The Strategic Focus
What are the strategic involvements?
The challenges and opportunities for entrepreneur
How the entrepreneur in directing, driving and influencing organizational strategy
Entrepreneurship and decision making in:-
a.     Enhancing Shareholders’ value,
b.     Understanding their role in the big picture
c.     Pursuit of Perfection (concept and uses)



Key Challenges and Opportunities
What needs to be done in this Uncertain, Volatile, Complex and Ambiguous World?
The links Characteristics of Fixed and adapting mindsets with 4 key ingredients of growth;
Dr Dwech’s findings
How they link
Change is certain & how to embrace change mind-set? Discussion
Eight steps to successful change -Kotter’s model
How to reinvigorate growth and prosperity?
Why and how to focus on new opportunities & priorities
How to learn, Unlearn and relearn


Focus Area & Priorities
Higher order thinking skills;
How to develop Adaptive mindset
Set the appropriate priorities
Developing healthy coping strategies
Challenge Mastery to have breakthrough results
Employ creative imagination
What are the key drivers?

Activities/ video

Sum Up/ Q & A
Key take-back messages