• To be responsible for blank card stock, personalized card with high security manner
• To make sure that process from receiving blank card until card delivered to real cardholder is compliance to security process
• To produce and deliver bankcard to branch/customer with efficient management of staff/delivery man
• To monitor card inventory before and after sending card to branches
• To create user manual, procedure, product policy and product feature to implement effectively the card management at branches
• To train bank’s staff card procedure, product policy
• To support and manage bank staff on card stock, card delivery , card usage
• To handle and resolve cardholder problems, queries and complaints at branches over the phone and email.
• To manage all related customer data entry into all related system after an application for a new card account is approved.
• To manage and make sure NRI and lost/stolen card transaction can be protected and detected as early as possible to protect customer and bank.
• To manage transaction fraud, merchant fraud, cardholder and employee fraud monitoring
• To manage and execute card management system and other related systems at all angles for card production and card management
• To keep improving card management process and digitalizing the process as much as possible by working with other digitalized departments.
• To be responsible for specific card business project implementation with all related stakeholders.
• To generate and analyse all related management reports for card-related decision making.
• Perform other duties assigned by managements.

• Design new product feature and functionality for each specific customer segments.
• Enhance existing product and offer to a selected areas of the portfolio to drive improvement
• Design marketing promotional and translate them into actual advertising campaign
• Be responsible for new customer acquisition and selling additional bankcard related products and services.
• Be responsible for achieving the bank card selling and fee based income.
• Maintain strong understanding of competitor, identify and define the market trend.
• Monitor portfolio trend and identifying spending behaviours which are profitable and can be used to segment the portfolio into group for targeting promotional effort.
• Be responsible for existing customer retention, AC attrition rate and encouragement of card usage.
• Be responsible for specific card business project implementation with all related stakeholder.
• Perform other duties assigned by managements.

• Own the new establishing units/department of CX with strong self-motivation under RB division and working with stakeholders including all respective Head, Branch Management, BM, RM, Marketing and various units.
• Propose and drive the new CX initiative across bank network incl. FSB, Non-full and various units (applied CX) including alternative channels (IB, Apps, Call center).
• Train the trainers related to CX across nationwide on implementing projects.
• Measure the effectiveness, change, and other propose upcoming or adopt new technologies related to CX.
• Require exposure to provinces

• Promote and sell the financial products and service to clients
• Liaise and build good cooperation with local authority, partner, and all stakeholder
• Help customer by answering questions and responding to any requests
• Solicits potential and existing clients in accordance with the guidelines, policies, and procedures
• Collect client information, prepare and submit loan documents for assessment
• Analyze and interpret financial statements of borrower’s business, cash flow, and family status in order to access the repayment capacity and financial soundness of the borrowers
• Conducts sit visit of secure collateral and valuate the collateral value by follow guideline
• Training and Educating the credit rule and policies strictly to borrowers before processing the loan documents
• Set up the plan with CCO, and BM for loan disbursement projection as monthly, quarterly and annually basis
• Adhere to high ethical standards, and comply with all regulations/applicable laws
• Network to improve the presence and reputation of the branch and company
• Closely monitor and follow up the borrowers on their business change or any problems then report to direct supervisor for taking early action on time. Ensure the loan repayment with 100% and on time follow up
• Performs other various duties as assigned

• Ensure that bank’s credit principles and policies are followed and complied.
• Ensure that deviations from the bank’s credit management processes/procedures/policies are identified and properly addressed.
• Collecting supporting documents from borrowers for the loan applications and to verify the repayment sources of income.
• Conduct site visits and inspections where necessary to verify the applications and attend meeting with borrowers to discuss loan proposals to understand their businesses.
• Make sound recommendations based on quality analysis and ensure timely submission of the credit memos for approval.
• Response to queries raised by Credit Risk Management Team on the loan applications.
• Monitor the loans review date and ensure prompt review of loans.
• Monitor progressive loans and post-disbursement conditions to ensure compliance of conditions imposed.
• Ensure proper filing of documents for the Corporate Borrowers.
• Liaising and follow up with CAD for the issuance of LO and loans releases.

• Promote saving, current account and deposit products.
• Assist planning and execute marketing strategy and preparation of marketing work.
• Manage/ organize/ support promotional activities, product launch, information distribution
• Oversee/ manage the servicing of customer accounts
• Cross sell other banks products-remittances, retail loans.
• Provide solution to customer’s financial needs.
• Deal proactively with the bank customers to fulfill their banking requirements and solve their queries efficiently.
• Assist in ongoing service related initiatives/projects
• Ensure staff is handling branch/customer inquiries in professional manner
• Monitor and track bank deposit rates and feedback for ALCO/ Treasury.
• Conduct customer satisfaction surveys and feedback program
• Cooperate with marketing officer to sell the bank’s product and services to the public.
• All other matters ancillary to the above and to perform any other related duties that management may require from time to time.

• Make a cold call to target saving clients and have a face to face meeting
• Increase volume of deposit to achieve target
• Prepare forms and help customer to fill the customer registration form and opening account forms
• Prepare sales strategy to growth deposit in the branch and propose to branch manager
• Help branch manager to build staff capacity related to the sales of non-loan products
• Buildup, maintain strong relationship with customers
• Offer the best customer service to the clients
• Resolve all clients’ complaint which occur during the sales activities
• Other tasks assigned by supervisor

• Propose, plan and execute marketing strategies
• Promote Bank Products for both loans and deposits
• Liaise with potential clients and depositors
• Process loan and write up credit memo
• Assist to recover bad debt of the branch

• Minimum 2 years relevant working experience with commercial bank and retail Lending.
• Degree in Marketing, Business, Finance and Banking or any related discipline.
• Effective presentation and communication skills.
• Possess positive attitude, enthusiasm and willingness to work both independently and as a team member.
• Must be willing to travel and possess own transport.
• Ability to propose, plan and execute marketing strategies.
• Articulate with strong writing skill in English and Khmer.
• Literate in Microsoft software.

• Market bank products to individuals and firms, promoting bank services that may meet customer’s needs.
• Prospect new clients and assist them for loan application.
• Analyze and interpret financial statements of the business in order to access the repayment capacity and financial soundness of the borrower.
• Conduct loan appraisal, collect detailed information (personal, business, and guaranties), and arrange to open new loan account.
• Prepare and execute loan application/credit memo.
• Monitor/follow up customer repayment daily and solve later repayment in a timely manner, avoiding the debt being a serious debt.
• Assess local market conditions and identify current and prospective sales opportunities for Loan products and others banks’ products & services.
• Bring out the best of branch’s personnel by providing training, coaching, development and motivation.
• Performs other various duties as assigned.