Clive Kerner

Chief Executive Officer

Clive Kerner has been Chief Executive Officer of Clifford Capital since its inception in 2012. He has 30 years of emerging markets finance experience and a proven track record as a CEO of start-up financial institutions. Before joining Clifford Capital, he was CEO of Linq Asia Capital AG, a finance company focused on high yield and mezzanine credit investing in South East Asia. Prior to this, he worked in a prominent Asian family office in Singapore and Jakarta. He previously spent 20 years in investment banking with Kleinwort Benson Ltd. and its successor entities, with a focus on project and structured finance and corporate advisory in the power, utilities, infrastructure and resources sectors, primarily in Asia, where he was based in Singapore with other postings in Kuala Lumpur and London. He was latterly Head of Asian Utilities and Infrastructure business in Singapore. Mr Kerner is also a non-executive Director of Singapore LNG Corporation Pte. Ltd., Changi Airports International Pte. Ltd., Pierfront Capital Fund Management Pte. Ltd. and Pierfront Capital Mezzanine Fund Pte. Ltd respectively. He holds an MBA from the Cass Business School in London and a BA in Economics from the University of Sheffield.

Audra Low

Head of Origination and Structuring

Audra Low is a founding member of the Clifford Capital management team, with overall responsibility for client coverage and transaction execution. Since joining Clifford Capital in 2012, Ms Low has overseen the successful completion of over $1.5bn of financing across the infrastructure, offshore marine and shipping sectors globally. Prior to that, she spent 12 years in project finance with HSBC, playing a key role in the origination and financing of numerous award-winning projects in South East Asia, both as financial advisor and lead arranger. She brings with her a wealth of experience of working with Singapore-based companies on infrastructure projects both locally and overseas. Ms Low has an MBA from New York University Stern School of Business and a Bachelor of Accountancy from Nanyang Technological University.

Richard Desai

Chief Risk Officer

Richard Desai is the Chief Risk Officer of Clifford Capital.  Prior to joining in November 2012, he was an Executive Director at JPMorgan's Credit Risk Management group in Hong Kong. His 22-year career at JPMorgan covered various areas in the investment bank with the last 12 years within the Credit Risk Management group. He has had extensive exposure across multiple industries throughout the Asia Pacific region, with a particular focus on structured financings (including project and leveraged/acquisition finance), debt restructurings (both from an advisory and workout perspective) and principal investment (including mezzanine financing and equity investments). A Canadian and British national, Mr Desai holds a Bachelor's degree in Economics from the University of California, Berkeley.

Catherine Lee

Chief Financial Officer

Catherine Lee is the Chief Financial Officer of Clifford Capital and has responsibility over the treasury, accounting and finance, and investor relations functions. Prior to joining in July 2014, Ms Lee was the Executive Vice President & Chief Financial Officer at SMRT Corporation Ltd (“SMRT”) since September 2011, where she covered SMRT’s financial strategy and management, corporate planning, tax, treasury management, central supplies and investor relations. Before joining SMRT, Ms Lee was the Group CFO of BreadTalk Group Ltd, where she was responsible for finance, corporate secretarial, investment, risk management and investor relations. Prior to that, she was with Transpac Capital, a private equity investment firm where she looked after a portfolio of public-listed and private companies in the US and Asia Pacific, and with Price Waterhouse Consulting as a consultant. Ms Lee holds a Bachelor of Accountancy (Honours) degree from the Nanyang Technological University of Singapore and is a Chartered Accountant (Singapore) with the Institute of Singapore Chartered Accountants.

Premod Thomas

Head of Corporate Strategy

Premod Thomas joined Clifford Capital in February 2016 as its Head of Corporate Strategy. Before joining Clifford Capital, he was the Founder/ CEO of Capital Insights Pte. Ltd., a Singapore-based investment holding and consulting company with interests in early stage and pre-IPO ventures in the financial technology and healthcare industries. He previously worked for a leading Asian conglomerate and was associated with their Banking and Hospitality businesses in Kuala Lumpur, Singapore and London as Chief Financial Officer and Executive Director. Prior to this, he spent a number of years with Bank of America, Standard Chartered Bank and the Temasek Group focusing on risk management, governance, mergers and acquisitions and new businesses. He has lived and worked in India, Indonesia, UK, USA, Malaysia and Singapore. Mr Thomas is a member of the Singapore Institute of Directors and is an Independent Director and Member of the Audit and Risk Committee of Singapore-listed Mapletree Commercial Trust Ltd., Independent Director and Chairman of the Risk Oversight Committee of Fullerton India Credit Company Ltd., Independent Chairman of the Investment Committee of MGSA Private Trust and Independent Director of Gemstone Asset Holdings Pte Ltd., Singapore. He holds an MBA from the Indian Institute of Management, Ahmedabad and a Bachelor of Commerce from Loyola College, India.