 He studied at the Wah Yan College, Kowloon and the Grantham College of Education and worked as an educator.He took an active role in the credit union movement since 1963 and was the founding president of the Association of Asian Confederation of Credit Unions in 1971. he was also managing director of the Credit Union League of Hong Kong and director of the CUNA International/ World Council of Credit Unions from 1969 to 1981.He had also served as International vice president for Asia and Africa with CUNA Mutual Group from 1974 to 1994.