Mr Or began his career with The Hongkong and Shanghai Banking Corporation Limited in 1972 after receiving a Bachelor's Degree from the University of Hong Kong in Economics and Psychology.

Mr Or worked in a variety of positions in personnel, securities and retail banking before joining the corporate banking division in 1980 as a Credit Manager. In 1995, he became Assistant General Manager and Head of Corporate and Institutional Banking. On 1 February 2000, Mr Or was appointed General Manager. He was also appointed a Group General Manager in the same year.

Mr Or is a director of Hang Seng Bank Limited and Chairman of HSBC Insurance (Asia-Pacific) Holdings Limited. He is also a director of Hong Kong Interbank Clearing Limited, Cathay Pacific Airways Limited, Esprit Holdings Limited, Hutchison Whampoa Limited and Bank of Communications.

Mr Or is currently Vice Chairman of the Hong Kong Association of Banks after presiding as Chairman in 2000 and 2003. He is Chairman of the Financial Services Advisory Committee and a member of the Services Promotion Programme Committee of the Hong Kong Trade Development Council. He is a member of the Risk Management Committee of the Hong Kong Exchanges and Clearing Limited. He is also Vice President and a council member of the Hong Kong Institute of Bankers, a council member of the University of Hong Kong and the City University of Hong Kong, an adviser of the Employers' Federation of Hong Kong and a member of the Planning Committee of the 5th East Asian Games.

Mr Or is a member of the Board of Directors of the Community Chest of Hong Kong. He is also a Justice of the Peace.

(Photo source: wenweipo.com/Raymond Or was interviewed by Hong Kong media.)