• Assess loan application and quality check within defined guidelines and policies of each product.Conduct independent credit risk assessments on loan applications and submit to loan committee for approval.
• Conduct on site visit for necessary cases, including suspicious cases and accordingly providing independent observation.
• Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc.).
• Evaluate the financial status of clients including financial ratios, trend, cash flow analysis, and financial projections
• Evaluate clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
• Analyze the data and preparing reports about the degree of risk in lending money to clients
• Analyze client records and using the data to recommend payment plans
• Monitor loans for compliance.
• Draft models of credit information that predicts trends and patterns.
• Make a plan for annual credit review (twice a year).
• Other tasks assigned by management.
• Making recommendations about procedural/policy changes

• Ensure the recovery and collection actions are sufficient enough to prove the best effort to collected the default debt and limit the loss.
• Ensure the effective arrangement with internal and external team/members in order to facility in every step of collection.
• Assist in establishment new recovery and collection strategy in order to continuously improve the effective and efficiency for department.
• Assist in identify gaps of implementation and limitation in system, propose recommended solutions.
• Continuously improve staff capacity.
• Other tasks, assigned by Chief Risk Officer.

• Planning:
o Participate in opening meetings with clients to explain the scope and objectives of the audit engagement to client and provide an overview of all steps in the audit process
o Develop a thorough understanding of business processes in scope for assigned audits and document the processes in flowcharts and / or process narratives. Identify and document inherent risk and controls within the business processes
o Fieldwork:
o Develop a risk-based test plan by selecting appropriate audit approach, test procedures and sampling criteria based on professional judgment and departmentally defined internal audit methodology
o Perform audit tests and prepare working papers in accordance with professional IIA standards and Cambodian IA methodology
o Evaluate the adequacy of process design and the effectiveness of controls in meeting business and control objectives. Identify and document control and process weaknesses and provide evidential support for findings
o Proposed practical and value-added recommendations to address control weaknesses and / or process inefficiencies
o Organize and reference work papers for review
o Participate in closing meeting with client at the end of the fieldwork, providing clear explanations for identified issues
o Reporting:
o The preparation of a concise and informative audit report to effectively communicate the findings and recommendations to the department and Officers

• Recruit Card by doing direct sale/ corporate sale in order to fulfilling company target, which is set by section head
• Manage customers’ complaint and good at problem solving
• Report preparation about card performance
• Responsible for recruit new merchant
• Give right to approach customers with selected companies by providing a good service
• Prepare merchant agreement.
• Perform the strategic, tactical and supports in strengthening relationships with merchant.
• Prepare diary note for marketing advertisement.
• Monitor installation of marketing advertisement material in merchant shop.
• Prepare daily, Weekly, and Monthly reports for direct manager.
• Renders other services and tasks assigned by management.

• Identify and analyze main root causes of loan accounts fall overdue
• Set recovery target, priority, strategies and effectively solve overdue loan accounts
• Manage and control matters to delinquent loan accounts regularly
• Constantly execute collecting those delinquent loan accounts based on the recovery policies procedures
• Ensure that appropriate actions taken towards the objectives and fully recover the overdue amounts
• Monitor overdue accounts on the daily basis
• Allocate the prioritize tasks for the effective analysis of recovery system reports
• Meet with various clients/partners in difficult situations and negotiate for loan settlements, charged off loans and submit appropriate recovery documentation to obtained appropriate approvals from management
• Facilitate activities through effective relationship with branch staff, province staff, concerned departments as well as local authorities
• Prepare regular reports of collection status such as visiting the home/business of the overdue loan as daily, weekly, monthly, quarterly and yearly basis
• Report the management about the legal process if the legal proceeding is engaged

• Conduct independent credit risk assessments on loan applications and submit to loan committee for approval
• Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents and etc)
• Evaluate the financial status of clients including financial ratios, trend, cash flow analysis, and financial projections
• Evaluate clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
• Analyze the data and preparing reports about the degree of risk in lending money to clients
• Analyze client records and using the data to recommend payment plans
• Monitor loans for compliance
• Draft models of credit information that predicts trends and patterns
• Make a plan for annual credit review (twice a year)
• Other tasks assigned by management

• Maintain a risk register based on the identified applicable laws and regulations, fraud schemes, know your customer (KYC) and AML considerations.
• Controls Catalogue: Based on review of procedures and walkthroughs, maintain an inventory of internal controls and map them to key risk areas.
• Issues Management: Track the progress of remediation of control weaknesses identified by Internal Audit, self-testing, or controls assessment.
• Risk Assessment: Assist in the execution of the corporate compliance and fraud by identifying the key risks and assessing mitigating controls to determine the risk profile for the bank.
• Risk Monitoring: Assist in the development and monitoring of key risk indicators (KRIs) that are mapped to various risks to determine elevations in risk and proactively implement risk mitigation measures.
• Emerging Risks: Identify emerging risks that present new regulatory, fraud, or money laundering risks. These includes risks associated with new products and services, customer types, geographies, and channels.
• Data Analytics: Coordinate the collection of risk information from source systems, departments, and reporting. Analyze the data and apply to various key risk areas to update the risk profile.
• Assessment Planning: Assist to settle and adjust the assessment process reflecting the risk analysis of information
• Policy and Procedure Maintenance: Provide assistance to in developing and updating policies and procedures by enforcing document standards.
• Manage Document Library: Manage the publication, dissemination, and availability of compliance and financial crimes policies and procedures

• Stay up to date and research about other banks/companies’ CSR activities and propose new ideas for strategic CSR
• Search for CSR related associations allowing KDSB to gain reputation through CSR by joining them as a member
• Negotiating with authorities/partners/beneficiaries and work on other preparation tasks to conduct CSR activities
• Side visit to find/check places for CSR activities
• Monitor traffic mirrors, and control KDSB Gallery & K(I)DSBank (KDSB in-house CSR)
• Assist in internal/external events
• Other tasks assigned by manager in charge

• Work on internal/external event preparation (quotation inquiry, material purchasing/transporting, customer list preparation, etc.)
• Communication with suppliers, vendors, agencies, media and other stakeholders for marketing and advertising purpose
• Conducting marketing activities and sales blitz (indoor & outdoor)
• Responsible for all admin tasks in team (documents, agreement, meeting, materials arrangement, etc.)
• Preparing meeting minutes
• Work on acting/MC tasks
• Assist in CSR activities
• Other tasks assigned by manager in charge

• Design Artwork including print & digital publications, advertising and promotional materials.
• Able to support video edition and media production.
• Assisting and coordinating events
• Assisting manager in compiling media plans.
• Providing creative input into new advertisement campaigns.
• Other duties as assigned by manager