• To liaise with panel solicitors for initiation of legal action on hardcore delinquent accounts/Non-Performing Loans, follow up of litigation process and attend to the court hearing.
• To ensure periodical reports are submitted to the regulatory/Head Office with highest level of accuracy before the deadline.
• To maintain harmonize working relationship with fellow colleagues, to guide the junior staff and to inculcate teamwork within the department/section.

• Ensure the smooth running of the day to day operations of the branch. This includes the overall management and development of the branch.
• Contribute directly to the sales, profitability and business growth of the branch.
• Manage and develop a professional and result oriented team to achieve the Bank’s established profitability goals and objectives.
• Formulate and develop marketing strategies and plans to promote Bank’s products and services effectively and efficiently.
• Identify business opportunities from retail, high net worth and institutional clients.
• Implement service excellence initiatives to enhance customer service quality at the branch.
• Ensure all the activities are in compliance with the relevant laws and regulations, policies and guidelines.
• Ensure there are safe and sound operational policies and procedures are adopted across all operational functions.
• Establish, maintain and enforce a proper supervisory programme and competent system of internal controls for the Bank.
• Supervising and ensuring proper and smooth running of the operational activities including reviewing and streamlining the operational workflow and processes to enhance efficiency and effectiveness.
• Ensure proper manpower planning to meet the human resources needs as well as managing and retaining skilled employees / talent
• Provide training, coaching, guidance and feedback to staff in view of their work performance to develop a team of competent staff force.

• Consumer business strategy
• Develop & lead strategic business proposals that are aligned with RHB Indochina’s key business objectives
o Leverage on critical market and competitive research, data and analytics to drive customer insights
o Develop consumer segmentation, marketing intelligence, prospecting, lead generation, promotions, budget and customer growth
o Ensure articulation of desired image and position of RHB Premier/consumer products & propositions, assure consistent of brand image with Group to all medium, both internal and external.
o Drive digital banking strategy and articulate value of digital and its integration to RHB Cambodia’s business operating model from perspective of new acquisition, cost savings, customer experience and innovation.
o Consumer initiatives
o Drive and implement key consumer projects from conceptualization, product propositions, business case validation, management/board/regulator’s approval and implementation
o Align with Group’s relevant stakeholders in ensuring synergetic collaborations in achieving Group’s strategic directions
o Work with peers e.g. segment and channel owners to:
 Develop and maintain strategic outlook – objective-driven decision making based on marketplace and customer needs & satisfaction to align program direction, customer experience and service excellence
 Ensure overall business profitability of consumer segment
 Products Development
o Gather data, analyze competition and capture customer requirements to identify gaps in the Bank’s offerings.
o Conduct surveys, market studies and research in order to develop project concept.
o Develop requirements, prepare the project plans, manage the development process & the testing phases, monitor the status of the development of the new projects and initiatives
o Conduct training sessions about the new product/service
o Review Bank’s existing products/services and research ways to enhance, repackage or reintroduce them.
o Direct internal process to define the product strategy, roadmap and priorities,
o Ensure that all touch points & customer communications are updated periodically with current information

• Contribute directly to the sales, profitability and business growth of the branch / bank.
• Identify business opportunities from retail and high net worth clients including business referral to management.
• Introduce, promote, market all Bank’s products & services inclusive loans or deposits products, bankcard, fee-based transaction services, electronic service delivery channels & etc.
• Achieved the business sales target, i.e. loans or deposits target.
• Expand the clientele based through networking, business referral, constant follow-up, cold-calls & etc.
• Attend to all customer enquiries, feedback, complaints on bank’s products & services. Ensure complaints are resolved expediently and to customers’ satisfaction.
• Attend & assist to customer needs in bank’s products & services application.
• Refer customer to insurance specialist for Banca Sales.
• To promote digital product to our new and existing customer.
• To refer business to business banking sales.
• To collect and prepare all required documents / information from customer for all products including deposits & loans application and timely closure of business deals & in compliance with bank’s regulated policy.
• To keep track of own sales performance and prepare individual business performance reporting.
• Participate in business development, marketing, promotion campaign & activities.
• Other task/project as assigned.

• Sales Planning & Activities
o Prepare and pro-actively execute sales plans for prospective customers from Bank’s leads, customer referrals and self-generated leads
o Actively participate and collaborate with other sales personnel at Premier Centre/branch/regional counterparts e.g. Malaysia/Singapore on sales activities/campaigns for customer acquisition and retention
o Prepare and provide financial advisory and assistance to customers for their wealth/investment management
o Periodic review of customers’ total portfolio and increase AUM with the Bank
o Plan and identify cross selling/up selling to targeted customers
o Set appointments, sales visitations, prospecting and engagement with customers
o Sales Management
o Maintain regular contact with existing customers to foster closer relationship and for referrals
o Work closely with Head of Premier, Branch Manager and Head of Business Banking on sales activities, promotion and campaigns
o Prepare and monitor sales performance and competitors analysis to Management
o Compliance to Bank’s policy, procedures and observe sales code of ethics

• Gather and evaluate user requirements in collaboration with product managers and engineers
• Illustrate design ideas using storyboards, process flows and sitemaps
• Design graphic user interface elements, like menus, tabs and widgets
• Build page navigation buttons and search fields
• Develop UI mockups and prototypes that clearly illustrate how sites function and look like
• Create original graphic designs (e.g. images, sketches and tables)
• Prepare and present rough drafts to internal teams and key stakeholders
• Identify and troubleshoot UX problems (e.g. responsiveness)
• Conduct layout adjustments based on user feedback
• Adhere to style standards on fonts, colors and images

• As a Developer
o Responsible for the E2E development of modern web, mobile or device applications according to user story and design
o Design/architect the best way to code a user story collaboratively
o Re-factor, update, and maintain backend code and processes including web servers, API servers, databases, and interfacing modules for these various components
o Build reusable code and libraries for future use with a focus on modularity and low technical debt.
o Ensure the stability and security of back-end components
o Optimize applications for high transaction, scalability and robustness
o Develop software under agile software development methodology and standards
o Develop prototypes to iteratively demonstrate functionality to customer experience team to resolve spikes. Manage code base and concurrent versioning of code
o Do code review on Pull Requests and merge code if the standards are met
o As a Squad and Chapter Member
o Work closely with architects and IT team to ensure design alignment with core banking and peripheral ecosystems
o Identify and incorporate any changes required due to platform and technology changes
o Provide expert level application support to troubleshoot resolve issues/defects
o Contribute ideas for new enhanced features or products, by monitoring industry developments and trends. Mentor and teach junior developers
o Take responsible and own for backend component tasks during sprint to ensure timely deliverables of features. Participate in Scrum ceremonies
o Update design reference and learnings on Confluence for sustainable knowledge sharing

• Translate user and product journeys into detailed user stories for technical development
• Work closely with the technical team in ensuring that user requirements are clearly understood and translated accurately into technical requirements
• Prepare/Review test scripts and perform user acceptance testing during the test phase
• Work closely with the technical team to resolve defects and problems encountered
• Co-facilitate workshops organized to ideate, prototype and refine the existing user journey with new product capabilities
• Produce all documentation required for Compliance, Audit, Risk and Legal Governance procedures to obtain approval of new functionalities/processes
• Perform knowledge transfer and provide support to enable Change Management and training activities
• Support the activities to map, assess and optimize operational processes that drive the user journeys
• Keeps up to date with digital trends, technology solution providers and assess their potential application to the user and product journeys

• Strategy & Planning
o Develop, implement and manage the Premier banking’s sales and operations plans to achieve business target
o Collaborate with branch managers, branch sales personnel and Head of Business Banking to drive and grow NTP customer acquisition, retention and satisfaction
o Sales Management
o Achieve sales & revenue targets by managing the business implementation of Premier Banking
o Execute sales plans and allocation of sales targets with the team of Relationship Managers and monitor achievement of committed target
o Lead, motivate, coach and develop the Relationship Managers on effective presentation, selling, financial planning, investment counselling and relationship building skills
o Also in-charge of SDB’s sales target to ensure awareness and take up among Premier Customers and high value depositors.
o Actively provide on-the-job training and people development of all staff
o Plan & execute the clients’ marketing events/activities on monthly basis so as to drive the business volumes.
o Centre Operation
o To manage and ensure highest quality customer service delivery and overall center presentation for Premier Centre in Phnom Penh main branch.
o To ensure smooth and effective center and SDB operation to achieve satisfactory audit rating and compliance to Bank’s policies & procedures and guidelines
o Product management & campaign
o Lead premier banking/SDB related product development and ensure proper implementation plan to its intended target premier customers
o Competitive analysis on competitors’ products and pricing
o Work with Marketing & communications on customer campaign requirements, strategic merchant & lifestyle partnership, lifestyle and marketing outlook events

• Design, develop, manage and rollout digital channel & retail products that are customer desirable, technically feasible and business viable
• Drive user engagement with digital channel products
• Plan & execute product strategies
• Initiative & drive campaign and marketing activities to achieve overall respective product target
• Understand the market in terms of customer needs, competitor products and pricing, and ecosystem players’ value propositions
• Ownership of the product roadmap, backlog, user stories and customer journey.
• Plan and deliver financials in terms of budget spending and revenue targets
• Formulate, review and enhance product and operating manual
• Ensure that all policies, procedure and guideline are adhere of AML (Prakas)
• Product innovation & improvement
• Ad hoc project