Ms Loh Mei Mei > Zul Rafique & Partners > Kuala Lumpur, Malaysia > Lawyer Profile

Zul Rafique & Partners

Work Department

Banking & Finance, Islamic Finance, Capital Markets


Loh Mei Mei is the Head of the Banking & Finance practice group. She has over 30 years’ experience advising on a full range of financing transactions. She is a specialist in both domestic and international finance covering all types of financings including complex structured financing, acquisition financing, limited recourse financing, project financing, Islamic financing, bonds/notes issuance, Sukuk issuance and asset-backed securitisation. She has advised on some of the largest and most complex landmark financing transactions in Malaysia, both conventional and Islamic financing.

Mei Mei is highly regarded for her ability to provide practical sound advice and solutions to address complex legal and structural issues. She believes that listening and understanding her clients’ needs are foremost in providing effective legal advice.


Mei Mei was admitted as a Barrister and Solicitor of the Supreme Court of Victoria, Australia in 1987. In 1988, she was admitted as an Advocate & Solicitor of the High Court of Malaya. Prior to joining ZUL RAFIQUE & partners, she practiced law at another large Malaysian law firm and thereafter was the general counsel at an international bank. Having been a general counsel for a leading international bank for several years as well as being a committee member of the International Chamber of Commerce (ICC) Banking Committee of Malaysia, Mei Mei is well regarded for her commercial acumen in financing transactions which together formed a strong foundation in her understanding of the business and financial aspect of financing transactions.


  • Named in Chambers Asia Pacific 2021 as Leading Individual in Band 1 in Banking & Finance in Malaysia and Band 2 in Islamic Finance in Asia Pacific.
  • Named in Asialaw Profiles 2022 as Elite Practitioner in Banking & Finance and Capital Markets.
  • Named in The Legal 500 2021 as Leading Individual in Hall of Fame in Banking & Finance and Leading Individual in Capital Markets and Islamic Finance.
  • Named in Who’s Who Legal: Southeast Asia 2021
  • Named in IFLR1000 2021 as Market Leader in Banking & Finance and Capital Markets.
  • Named in IFLR1000 Asia Best Lawyers 2021 – an elite cohort of just 10 exclusive recognised Lawyers in Malaysia
  • Named in IFLR1000 Women Leaders Guide 2021 – An elite cohort of 300 leading female transactional experts in local markets.
  • Named as one of Expert Guides World’s Leading Female Practitioners for Banking & Finance.


English and Bahasa Malaysia


Malaysian Bar


Mei Mei graduated with a Bachelor of Laws (LLB) degree and a Bachelor of Science (BSc) degree from Monash University, Victoria, Australia.

Lawyer Rankings

Malaysia > Banking and finance

(Hall of Fame)

Loh Mei MeiZul Rafique & Partners

With a fine record in securing big-ticket engagements from Malaysia’s largest banks, as well as an array of international corporations, the practice at Zul Rafique & Partners showcases expertise in cross-border financing, asset-based securitisation transactions, Islamic financing, and offshore lending. The firm boasts a wealth of experience in advising on debt capital raising exercises, securitisation, and continues to work on medium term note programmes. Loh Mei Mei leads the team and is regularly consulted by regulatory authorities and corporations to provide insight on innovative products, policy guidelines, and financing structures. Celine Rangithan is well-versed in investment banking matters and Sukuk issuances. Chan Kwan Hoe, Ashela Ramaya, and Kung Suan Im are key members of the department.

Malaysia > Capital markets

(Hall of Fame)

Loh Mei MeiZul Rafique & Partners

Zul Rafique & Partners has a fine track record in advising its bank of clients on the full spectrum of financing matters, both conventional and Islamic. Engaged by Malaysia’s major banks and financial institutions, the group frequently handles debt capital raising exercises, asset-backed securitisation matters, offshore lending, and corporate debt rescheduling concerns. Recent standout work includes the team’s provision of advice to HSBC Amanah Malaysia Berhad on the establishment of a RM1bn sustainability-linked Sukuk issuance. Loh Mei Mei, an industry veteran, leads on banking and finance matters and has demonstrated expertise in syndications, structured finance, and corporate banking. Kung Suan Im, Ashela Ramaya, Celine Rangithan, and Chan Kwan Hoe, also collectively lead the team and boast a wealth of capital markets experience between them.

Malaysia > Islamic finance

(Leading individuals)

Loh Mei MeiZul Rafique & Partners

With strong foundations in banking and finance and debt capital markets, Zul Rafique & Partners’ Islamic finance practice is well-equipped to advise an array of local and international financial institutions. The firm frequently advises on Islamic medium-term notes programmes and commercial papers, in addition to structures involving Shariah principles such as Musyarakah, Mudharaba, Murabaha, Istisna, and Ijarah. Expert Loh Mei Mei leads the team alongside Ashela Ramaya, Kung Suan Im, Celine Rangithan , and Chan Kwan Hoe, all of whom have demonstrable experience in sustainability-linked Sukuks.