Head of Agriculture Value Chain Finance Department
Position Circumstances
- Career Category: Banking / Finance, Economics, Agriculture, Rural development
- Schedule:Full-time
- Salary: Negotiable
Location: Head Office
Duties & Responsibilities:
- Leadership & Operations
- Lead and manage the Agriculture Value Chain Finance Department.
- Develop and execute strategic plans to grow the agriculture value chain lending portfolio.
- Build partnerships with agriculture value chain actors such as agricultural cooperatives, farmers, suppliers, NGOs, government agencies, and agribusinesses.
- Design and implement policies, SOPs, and service standards for agricultural value chain lending.
- Agricultural Value Chain Loan Product Development
- Lead the development of an investment strategy within Cambodia’s agricultural value chain, including its structure, growth potential, specific areas of opportunity that enhance value chain efficiency and value addition, and financial services needed that support growth potential.
- From the investment strategy in Cambodia’s agriculture value chain, develop, refine, and manage agricultural loan products/service (input loans, seasonal loans, equipment loans, livestock loans, irrigation loans, etc.).
- Develop commodity profile for agricultural products.
- Conduct market research and feasibility studies to introduce new loan products suitable for different farming segments and lead the pilot of the new loan products.
- Adjust loan terms, pricing, and LTV ratios based on crop cycles, seasonality, and risk profiles of target value chain actors.
- Credit Assessment & Portfolio Management
- Oversee credit assessment and approval processes for agricultural borrowers.
- Ensure accurate evaluation of crop yield, agricultural pricing, farm income, cash flow, and collateral.
- Monitor portfolio quality, delinquency trends, seasonal risk, and loan recovery performance.
- Approve high-value or complex agricultural loans within authorized limits.
- Risk Management
- Identify and manage risks related to climate, pests, market volatility, and borrower repayment capacity.
- Develop mitigation strategies such as crop-based scoring models, insurance linkages, and diversified portfolios.
- Implement regular field visits, farm inspections, and portfolio reviews.
- Ensure proper documentation, compliance, and fraud prevention.
- Business Growth & Relationship Building
- Strengthen relationships with agriculture value chain actors such as farmers, cooperatives, agribusinesses, and supply-chain partners.
- Lead outreach programs to increase awareness of agricultural value chain lending products.
- Identify new markets and opportunities for expansion, including digital agri. finance.
- Support financial literacy and capacity-building initiatives for agriculture value chain actors (farming communities, collectors, and so on).
- Reporting & Compliance
- Ensure all operations comply with internal policies, regulatory requirements, and agricultural finance guidelines.
- Prepare periodic performance reports, forecasts, and recommendations for senior management.
- Coordinate with internal audit, compliance, and risk departments.
- Perform other duties as assigned by supervisor.
Expected Profile of Candidates
Qualifications:
- Bachelor's Degree in Finance, Agriculture, Economics, Rural Development, or related field (Master’s preferred).
Skills & Knowledge:
General & Technical Skills
- Minimum 5–7 years of experience in agriculture value chain development, agricultural lending, agri-business banking, or rural finance.
Soft Skills
- Strong understanding of agriculture sector/commodity cycles (crop etc), farm economics, production risks, and agri. value chains.
- Experienced in credit analysis, portfolio management, and team leadership.
- Ability to work with rural communities and conduct field assessments.
- Strong interpersonal skills and mentoring abilities, with a collaborative and leaning-oriented mindset.
- Demonstrates creative problem-solving skills by introducing novel approaches that drive efficiency and add value beyond traditional methods.
- Strong communication, analytical, and decision-making skills.
Gold Finance Unit Manager
Position Circumstances
- Career Category: Banking / Finance, Business Administration, Economics
- Schedule:Full-time
- Salary: Negotiable
Location: Head Office
Duties & Responsibilities:
- Project Management & Implementation
- Lead the end-to-end implementation of the gold loan project, including planning, design, pilot testing, and scaling.
- Coordinate with cross-functional teams and branches to ensure timely delivery of project milestones.
- Develop detailed project plans, track progress, and provide regular updates to senior management.
- Identify project risks and propose mitigation strategies to ensure smooth execution.
- Product, policy, procedures development and system tracking
- Design gold loan products, pricing models, and operational processes including gold loan handling (gold receiving, testing, storing, and withdrawal), appraisal, disbursement, and recovery.
- Conduct market research and competitor analysis to identify product gaps and opportunities.
- Recommend product features, loan-to-value ratios, interest structures, and repayment terms aligned with company policies.
- Work closely with IT to ensure accurate tracking of gold loan data in loan management systems.
- Business Planning, Performance Monitoring and Strategy
- Develop gold loan business plan by branch and for LOLC as a whole.
- Track performance indicators such as loan portfolio growth, delinquency rates, and profitability by branch.
- Drive gold loan products to achieve business plan.
- Develop and implement marketing awareness campaigns to promote gold loans products to the public and target clients.
- Provide coaching and strategies to improve branch performance.
- Prepare analytical reports and present insights to management for strategic decision-making.
- Compliance & Risk Management
- Ensure all gold loan activities comply with company policies, NBC regulations, and AML/CFT guidelines.
- Oversee gold appraisal, collateral verification, and loan disbursement processes to maintain quality and mitigate risk
- Periodically review gold loan policies and recommend updates to strengthen governance.
- Ensure all gold loan transactions adhere to policies and procedures, quality standards and turnaround time targets.
- Training & Capacity Building
- Develop and conduct training programs for branch staff, appraisers, and customer service teams.
- Ensure team members are equipped with strong technical, product, and customer service skills related to gold loans.
- Perform other duties as assigned by supervisor.
Expected Profile of Candidates
Qualifications:
- Bachelor's Degree in Business Administration, Banking & Finance, Economics, or related field.
Work History:
- Experience in financial services, experience in gold loan or secured lending operations is an advantage for 5 years as a minimum
Skills & Knowledge:
General & Technical Skills
- Strong understanding of gold loan business, appraisal techniques, and regulatory guidelines.
- Excellent project planning, execution, and stakeholder management skills.
- Analytical mindset with ability to interpret financial and operational data.
- Proficiency in MS Office.
Soft Skills
- Strong leadership, communication, and team coordination abilities.
- High integrity, attention to detail, and commitment to compliance.
Agriculture Value Chain Finance Specialist
Position Circumstances
- Career Category: Agriculture, Agriculture - Agronomy, Banking / Finance, Rural development
- Schedule:Full-time
- Salary: Negotiable
Location: Head Office
Duties & Responsibilities:
- Loan Assessment & Processing
- Updated agriculture price crop and commodity profile to ensure branch effectively implement.
- Evaluate agricultural loan applications for farmers, cooperatives, agribusinesses, and agri-SMEs.
- Conduct financial and technical analysis based on crop cycles, livestock production, farm budgets, and cash flows.
- Review collateral documents and verify land ownership, production assets, or inventory.
- Prepare and submit credit proposals with clear risk assessments and recommendations.
- Field Visits & Farm Evaluation
- Conduct farm and business inspections to assess productivity, farm management practices, and loan feasibility.
- Monitor ongoing farming activities, crop progress, livestock conditions, and market exposure.
- Validate the use of loan funds and identify early signs of repayment challenges.
- Portfolio Monitoring & Risk Management
- Monitor repayment schedules, track delinquent accounts, and support recovery efforts.
- Identify agricultural risks (weather, pests, price volatility, etc.) and recommend mitigation measures.
- Maintain accurate, up-to-date loan files for audit and compliance purposes.
- Contribute to maintaining high portfolio quality and minimizing NPLs.
- Client Support & Relationship Management
- Build strong relationships with value chain actors such as farmers, cooperatives, agri suppliers, and local community stakeholders.
- Provide guidance on suitable loan products and help clients understand terms and repayment obligations.
- Deliver financial literacy and farm management advisory when required.
- Support growth of agricultural lending in target regions through outreach activities.
- Product & Market Support
- Provide feedback to improve or develop agri. finance products.
- Stay updated on agricultural trends such as pricing, input costs, seasonal cycles, and government programs.
- Assist in promotional campaigns, field events, or partnerships that expand agricultural lending opportunities.
- Perform other duties as assigned by supervisor.
Expected Profile of Candidates
Qualifications:
- Bachelor's Degree in Agriculture, Agronomy, Finance, Rural Development, or related field.
Work History:
- Experience in agriculture value chain development, agricultural lending, rural finance, or agribusiness is preferred for 3 years as a minimum
Skills & Knowledge:
General & Technical Skills
- Strong understanding of crop production, livestock management, and farm economics.
- Ability to ride a motorbike or travel frequently (if relevant to your region).
Soft Skills
- Ability to conduct field visits and work in rural areas.
- Commitment to continuous learning and professional growth.
- Good analytical, communication, and customer service skills.
Projects Lending Manager
Position Circumstances
- Career Category: Banking / Finance, Business Administration, Economics
- Schedule:Full-time
- Salary: Negotiable
Location: Head Office
Duties & Responsibilities:
- Project Management & Implementation
- Oversee end-to-end execution of lending projects (WASH, Green, EV, ASCEP, Solar).
- Develop project plans, timelines, and KPIs to ensure successful rollout.
- Coordinate with internal teams and external partners for smooth implementation.
- Product Development & Enhancement
- Work with product teams to design and refine loan products for targeted sectors.
- Ensure compliance with regulatory requirements and internal credit policies.
- Stakeholder Engagement
- Collaborate with channel teams, marketing, and operations for project promotion.
- Build partnerships with NGOs, suppliers, and relevant stakeholders for project success.
- Engage in awareness activities with branches & customer segments.
- Monitoring & Reporting
- Track project performance and prepare regular reports for senior management.
- Identify risks and propose mitigation strategies.
- Capacity Building
- Train branch and channel staff on new lending products and processes.
- Provide technical support to ensure operational excellence.
Expected Profile of Candidates
Qualifications:
- Bachelor's Degree in Finance, Business Administration, Economics, or related field (Master’s preferred).
Work History:
- Experience in lending, credit operations, or project management for 3 years as a minimum
Skills & Knowledge:
Soft Skills
- Strong knowledge of retail lending products and project financing.
- Excellent analytical, communication, and stakeholder management skills.
- Ability to work under pressure and manage multiple projects simultaneously.
