Head of Business Revival Department (Head of Loan Recovery) (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Develop and disseminate business revival policies and strategies to all branches to support distressed borrowers.
- Identify viable businesses facing financial difficulties and design tailored revival plans.
- Assess financial distressed clients and recommend appropriate solutions such as developing new repayment plans, refinancing or restructuring loans to aid recovery.
- Develop and implement effective loan recovery policies, strategies, and procedures.
- Design and execute action plans for loan recovery, including legal actions if necessary.
- Ensure adherence to all regulatory guidelines and legal frameworks in loan recovery processes.
- Follow up branch for submitting court cases.
- Keep updated with relevant laws and policies affecting loan recoveries.
- Maintain accurate records of recoveries, outstanding loans, and collection activities.
- Prepare regular reports for senior management on the status of loan recoveries.
- Supervise and lead the loan recovery and litigation team, ensuring high performance and motivation.
- Provide training and guidance to own staff on collection strategies and customer handling.
- Set performance targets for the team and branch; then monitor progress against key metrics.
- Performance other tasks assigned by management.
- BA/MBA in Law, Finance and Bang, Management or equivalence.
- Minimum of five 05-year field experience in loan recovery.
- Strong analytical and financial assessment skills.
- Excellent negotiation, problem-solving, and decision-making skills.
- Leadership and team management abilities.
- Deep understanding of banking regulations, credit risk management, and insolvency laws.
- Deep understanding of loan collection techniques and legal debt recovery processes.
- Ability to work under pressure and handle difficult conversations professionally.
Head of Legal and Compliance Department (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Ensure compliance with regulatory requirements or limitation.
- Establish compliance control system and procedures prevent from non-compliance risks and to address swiftly any potential regulatory compliance issues or concerns.
- Act as the liaison between the reporting entity and the FIU in matters relating to compliance with the provisions of the present Law and any other legislations with respect to money laundering or financing of terrorism.
- Ensuring Implementation of the policies for AML/CFT measures.
- Ensuring Appropriate AML/CFT procedure including customer acceptance policy, customer due diligence, record keeping on-going monitoring, reporting of suspicious transaction and combating the financing of terrorism are implemented effectively.
- Compliance with the AML/CFT legal and regulatory requirements.
- All employee are aware of AML/CFT measure including policies, control mechanisms and channel of reporting to ensure the effectiveness of such measures.
- Identification of money laundering and financing of terrorism risks associated with new products or services or arising from the bank’s or financial institution’s operational charges, including the introduction of new technology and process.
- Cooperation with other individuals and areas involved in compliance controls, such as, but not limited to, Finance and Reporting, Accounting, and Legal Departments.
- Involve in the “Whistle Blowing” procedure for handle the reports confidentially, inform the independent Board member and take appropriate action to resolve the issue.
- Prepare report to independent board of directors regarding compliance status of the company and other tasks assigned by independent directors for compliance
- Review LOLC’s loan agreements with lenders and other MOUs to ensure terms and conditions are valid and comply with relevant laws and regulations.
- Manages and follows up of all legal process and procedure for the Branches and Head Office.
- Review LOLC’s Board and shareholder resolutions to ensure it is valid and legal binding.
- Update management and relevant department on any changes of laws and regulations related to MDI business such as NBC regulations, land law, contract law, international business law, labor law, etc.
- Update management and Board of Director on legal affairs and recommend corrective actions when needed.
- Take lead in processing for licenses, patent tax and other letters with government authorities when required.
- Performance other tasks as assigned by management.
- BA/MBA Degree in law, or related fields.
- Minimum 5 years experiences related to Legal and compliance with financial institutions.
- Very knowledgeable of banking regulatory requirements.
- Very good understanding of legal and court case procedures.
- Good analytical and skepticism skills.
- Good leadership and can manage multiple tasks at the same time.
- Good written and verbal communication in English
Litigation Unit Manager (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Manage the legal team to perform their jobs well in the department.
- Build the capacity and coach the legal team.
- Keep update the court cases to Head of Credit and management.
- Work closely with LOLC branch managers to ensure that court cases application and submission are carried out in accordance with related laws and regulations.
- Discuss with lawyer and facilitate legal actions with lawyer on any court case procedures against loan clients.
- Update management and relevant departments on any changes of laws and regulations related to credit operations such as land law, civil procedures and contract law etc.
- Reviewing existing and new legal related documents and contracts such as loan agreement and collateral agreement with clients to ensure they are valid and legal binding and recommend corrective actions if necessary.
- Know the loan recovery guidelines and be able to interpret to branch staff if needed
- Analyzes existing branch office operations and determines areas for improvement in policies and strategies of credit operations and problem solving of loans in arrears and written off.
- Closely monitor all court cases and find strategies to speed up the process to quicken cash collection.
- Proceeding legal procedures in Phnom Penh and branches in consultation with Loan Recovery Unit Manager and Lawyer.
- Provide training to staff (HO and Branch) on civil and criminal court case procedures and credit related laws and regulations.
- Work closely with loan recovery officer/loan recovery team to find the strategies to solve PAR and WO effectively.
- Closely monitor branch with high PAR and talk to BM to discuss the possibility of collection method.
- Regularly conduct branch visit and arrear clients to understand the situation and consult with branch staffs about any legal actions.
- Perform other credit related legal duties as required by management.
- Master’s Degree/Bachelor’s Degree in Law or equivalence.
- Minimum of 03-year experiences in & out court case processes.
- Has license as a lawyer as a plus.
- Good experiences in loan problems solving in banking and finance sector is an advantage.
- Working knowledge of local and national laws and regulation - banking and finance, obligation and contracts, etc.
- Strong communication skills (able to speak and write Khmer and English.
Senior Business Officer (2 Positions)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Assis Business Unit Manager to train/support business officer on how to perform their job well.
- Assist Business Unit Manager to analyze and monitor branch performance and staff productivity.
- Conduct daily, weekly, and monthly follow up on branch disbursement plan and actual disbursement.
- Analyze FSA’s Productivities and provide strategy to improve their productivity if needed.
- Assist Business Unit Manager to monitor branch disbursement by products especially GL, IL, SME…etc.
- Alert and visit branches whose performances are below targets.
- Assist Business Unit Manager to provide strategic directions and coaching to Branch staffs to well manage the branch and grow the business.
- Assist to allocate operational plan to branch offices follow the business plan as approved by the Board.
- Assist Business Unit Manager to conduct research/review on competitors’ products and service and analyze.
- Provide strategic support to branches on sales of loan products and push branches to increase their loan portfolio, clients and productivities.
- Provide strategic support on savings/deposit collections to branches to increase the deposit portfolio.
- Provide strategic support on promotion techniques to attract the customers.
- Perform other tasks assigned by Business Unit Manager/management.
- BA in Marketing, Finance and Banking, Management or equivalence.
- Minimum 3-year experiences in managing small retail banking financial operations.
- Having good business strategies.
- Familiar with emerging issues related to microfinance industry in Cambodia.
- Computer literate in spreadsheet, database and work processing programs.
- Good English communication - written and oral communication skills.
IT Helpdesk Officer (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Support LOLC’s E-Channel systems like Mobil Banking, Internet Banking, Tablets, NBC’s Channels such as FAST, CSS, RFT, Bakong, CIFTP and etc., and coordinate with internal and external stakeholders.
- Ability to understand business flow of IT & Digital systems.
- Ability to prepare required documentation.
- Attend meeting as and when required and the ability to take the key notes to produce as a document.
- Keep track record of all IT related issues, documentations, and proper indexing to retrieve as and when required.
- Resolve and follow-up issues in IT department efficiency.
- Well established experience in building and maintaining relationships with a wide range of stakeholders.
- Perform other tasks assigned by the management.
- Support the IT staff to test solutions/software as and when required.
- Provide support to branch users on IT related matters when required.
- Bachelor’s Degree in any related fields. In Information Technology is preferable.
- Experience working within IT solution companies or IT vendors related is preferable.
- Experience related to digital technology such as Internet & Mobile Banking, Tablets, and etc.
- Proficiency in Ms. Office (Word, Excel, PowerPoint, etc..) is preferable.
- Having knowledge related to IT Projects and Documentation.
- Good communication skill in English is a must (Read, Write and Spoken).
- Good Public Relations Skills. (PR Skills).
- Ability to work under pressure & to work late hours and weekends as and when required.
មន្រ្តីសេវាព័ត៌មានតាមទូរសព្ទ (1 Position)
Position Summary Expectations - Duties, Responsibilities
មុខតំណែងនេះសម្រាប់វេនយប់
ទីតាំង ការិយាល័យកណ្តាល
- ទទួលទូរសព្ទ និងឆ្លើយតបនូវរាល់សំនួររបស់អតិថិជន និងសាធារណៈជន ទាក់ទងនឹងផលិតផល និងសេវាកម្ម
- ទទួលស្វាគមន៍ និងមានទំនាក់ទំនងល្អជាមួយអតិថិជន ថ្នាក់គ្រប់គ្រង និងបុគ្គលិកទាំងអស់។
- ទទួលនូវរាល់ការត្អូញត្អែរ និងបណ្តឹងតវ៉ា តាមរយៈទូរសព្ទ ឬផ្ទាល់មាត់ ឬអ៊ីម៉ែល
- កត់ត្រា-បញ្ញូលទិន្នន័យនៃព័ត៌មានពីការត្អូញត្អែរ (Complaints) របស់សារធារណជន អិតិថិជន បុគ្គលិកចូលក្នុងប្រព័ន្ធ (E-complaint) ហើយរាយការណ៍ជូនថ្នាក់គ្រប់គ្រងផ្ទាល់ និងសមត្ថកិច្ចពាក់ព័ន្ធឲ្យបានទាន់ពេលវេលា និង follow up ជានិច្ច ដើម្បីប្រាកដថារាល់បណ្តឹងតវ៉ាត្រូវបានដោះស្រាយ
- ធ្វើការងារផ្សេងៗទៀតដែលចាត់ចែងតាំងដោយអ្នកគ្រប់គ្រង។
- មានបទពិសោធន៍យ៉ាងតិច១ឆ្នាំជាមន្រ្តីសេវាអតិថិជនជាមួយគ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុ ឬធនាគារ។
- បេក្ខជនត្រូវបានលើកទឹកចិត្តឲ្យដាក់ពាក្យ។
- មានជំនាញល្អក្នុងការទំនាក់ទំនង និងជាអ្នកផ្តល់យោបល់ (ស្ទាត់ជំនាញក្នុងការនិយាយ និងសរសេរជាភាសាខ្មែរ អាចនិយាយ និងសរសេរជាភាសាអង់គ្លេសកាន់តែប្រសើរ)។
- យ៉ាងហោចណាស់កំពុងសិក្សាថ្នាក់បរិញ្ញាបត្រឆ្នាំទី៤ លើជំនាញដែលពាក់ព័ន្ធ។
- មានជំនាញក្នុងការដោះស្រាយបញ្ហា។
- ខិតខំប្រឹងប្រែងធ្វើការ។
System Administration Intern (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Help to write and develop system administration procedures.
- Support to run daily/ periodical processing (morning, evening, month-end, year-end, etc…).
- Assist to assign user passwords and privilege and maintain data integrity;
- Hardware, System Software, LAN/WAN Administrator.
- Do other tasks assigned the manager.
- Year-3 student up in IT/computer science.
- Knowledge in PC/Networking expert: HW, SW, OS, LAN/WAN;
- Autonomous and proactive, quick learner, and effective communication.
- Fluency in written and oral English.
- Ability to work under pressure.
- English basic, can speak and written in communication.
Administration Intern (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Assist in providing administrative services to support the whole LOLC operations.
- Assist in preparing and keeping all administrative documents in an orderly manner.
- Stick inventory code on all assets purchased.
- Prepare item delivery to LOLC branches.
- Take quote(s) from suppliers.
- Perform other tasks assigned by manager.
- Under graduate/graduate of any related fields.
- Able to type English and Khmer Unicode.
- Understanding of English speaking and writing is an asset.
- Honesty, willingness to learn, hard-working, fast learner, team player, open-minded; and good communication and inter-personal skill.
