Vivos Partner- Karel Doshi

Karel Doshi

Partner, Director, Sustainable Finance & Board Advisory

With over 20 years of leadership experience in Malaysia’s financial services sector, I have held senior executive roles, including Managing Director and Head of Commercial Banking at HSBC Malaysia.
My expertise spans corporate and investment banking, Islamic finance, trade finance, sustainable finance, and financial crime risk management, where I pioneered Southeast Asia’s first financing transaction aligned with the Social Loan Principles. Beyond banking, I am a strong advocate for ESG and gender diversity, having served on the EXCO of the 30% Club Malaysia and as an Independent Non-Executive Director at Solarvest Berhad and Uzma Berhad.

Why Work With Me?

  • Board-Level Banking Leadership: Over 20 years of senior banking experience, including serving as Managing Director at HSBC Malaysia with full P&L responsibility for a 400+ person franchise.
  • Sustainable Finance & ESG: Led pioneering sustainable finance initiatives, including Southeast Asia’s first Social Loan Principles-based affordable housing financing, and championed ESG-driven growth strategies.
  • Award-Winning Commercial Banking: Drove HSBC Malaysia’s recognition as Best Commercial Bank in Malaysia (2023–2024) and Market Leader for Trade Finance (2022–2023).
  • Islamic Finance Expertise: Extensive experience in Shariah-compliant banking, product development, and stakeholder engagement across Malaysia’s Islamic finance ecosystem.
  • Governance & Board Experience: Independent Non-Executive Director at listed companies, with strong expertise in governance, risk management, ESG, and board oversight.

Ideal collaboration

  • Corporates and SMEs seeking senior advisory on banking relationships, debt structuring, or trade finance solutions.
  • Businesses pursuing sustainable finance, green loans, or ESG-linked financing frameworks.
  • Public-listed companies and boards requiring an experienced INED with banking, risk, and governance expertise.  
  • Organisations seeking strategic guidance on Islamic finance, Shariah-compliant structures, or Malaysia’s regulatory landscape.

Qualifications

  • Bachelor of Science, Finance & International Business — South West State University, Minnesota, USA
  • Executive Development Programme — Imperial College Business School, London
  • Executive Development Programme — London Business School  
  • HSBC High Potential Women’s Programme (London)  
  • HSBC Accelerating Female Leaders (AFL) Programme  
  • Financial Crime Risk Management Certification
  • Executive Coaching Certification

Discover The VIVOS Difference

Sub-Title: Explore how VIVOS can help you achieve your global aspirations. Let’s create your success story today.
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