• Provide legal update and advice management accordingly to ensure Amret's corporate structures are legally compliant with laws and regulations;
• Undertake handling of corporate licensing formalities, payment of annual license fee and submission of annual declaration and other notifications to various ministries and government departments as required to formalise and authenticate corporate structural changes;
• Act as a key point of contact in liaising with the regulators, relvevant local authorities (such as NBC and MOC, etc.) and internal relevant deparmtns to ensure all company statutory records are timely and properly submitted;
• Advice all departments on all contracts, lending transaction & loan documentations, contractual issues and its related regulations or legal provisions;
• Participate in negotiating & preparing and review all required contracts or any other documentation where Amret has committed itself to assist and support various departments;
• Assist Legal Manager in providing legal update and assess legal implications to ensure Amret's business activities are conducted in conformity with all applicable laws and regulations;
• Providing commercial staff and relevant staff with training on legal and regulatory topics (Contract Law and Land Law) in order for them to keep abreast of regulatory issues and to enhance individual ownership of risk;
• Undertake legal research on different information to make sure Amret is acting in accordance with all applicable laws;
• Undertake other duties as may be required of you by Legal Manager from time to time.

• Prepare monthly action plan by audit mission;
• Conduct preliminary audit analyses and prepare audit program for audit mission by identifying the risks per macro-process;
• Execute audit program by macro-process to ensure that the cost effectiveness of audit mission, risks of internal control design and implementation are properly identified and confirmed;
• Review and monitor internal audit results performed in order to make sure the completeness of audit findings, root causes, implications and recommendations are well identified;
• Prepare briefing audit results and draft internal audit report to heads of auditee in order to make sure that they are well-understood about detail audit findings/issues;
• Assist line manager to do skill assessment of auditors under supervision and provide on-the-job training and coaching to new and existing team to have full audit capacity and comply with audit procedures and programs.

• Provide legal update and translate legal documents to ensure Amret's activities are conducted in conformity with laws and regulations;
• Proactively work with senior management and other departments to ensure that regulatory risks have been identified and appropriate course of action is taken;
• Assess legal implications and advise on matters such as high value transactions, contracts, loan documentation and internal policies;
• Participate or take the lead in negotiations with prospective business partners and authorities and liaise with external legal counsel, if needed;
• Provide advice and review the progress of outstanding litigation to protect company’s interest;
• Review various commercial agreements and letters;
• Support the corporate secretary work of Amret as necessary;
• Oversee the provision of internal trainings to the sales force on legal topics such as contract law and land law;
• Coach the legal team to ensure they continue to be high-performing teams;
• Undertake other duties assigned by Head of Legal and Corporate Secretary from time to time.

• Provide guidance and input on business unit restructures, workforce planning and succession planning;
• Drive branch network recruitment and E2E hiring process;
• Coordinate process and consolidate result of performance discussion to ensure fairness, alignment with business objectives, and performance curve;
• Provide performance management guidance and participate with line management to implement staff performance recognition program;
• Work in collaboration with L&D to identify gap analysis on staff skills and training in order to improve staff capacity, and enhance high performance;
• Facilitate and provide consultation in promotion, demotion, transfer, career rotation, career mapping and staff recognition in order to ensure the fairness and alignment with internal guidelines;
• Lead retention intervention and conduct exit interview;
• Conduct employee engagement to understand about staff feeling, career interest, and business challenge and performance;
• Analyze information and feedback regarding to people or business issue and work with concern management to find proper solution;
• Validate documents and information on staff loan process, data validation in ESS, create new staff information in HRIS;
• Monitor and consult on labor law to branch management, liaise with labor inspection to ensure legal compliance;
• Ensure that all regions and branches are fully complied with Cambodia Labor Law / related regulation;
• Oversee market change related to benefit and business status;
• Create regular reports including weekly plan and achievement, monthly reports, and data analysis.

• Support the CEO in the development of the institution in accordance with the strategy and business plans defined and agreed with the Board of Directors, and report on results and progress;
• Develop and implement the institution's financial strategy;
• Lead the Finance, Treasury, Strategic Planning and Administration teams (+100 staff). Ensuring effective collaboration, supporting business growth needs, mobilizing resources to deliver across operational and projects activities;
• Prepare and contribute to the quarterly board meetings at headquarters in Paris (Advance Group) or remotely. Contribute to the ExCom, BoD, and annual management meetings;
• Design and implement the fundraising strategy of Amret with remote support of Paris headquarters. Act as the company representative in the negotiations with multiple lenders;
• Produce the mandatory reporting for the concerned external stakeholders and maintain excellent relations;
• Oversee the production of financial results and reports, in compliance with the required standards (CIFRS, Tax obligations and Advance Group requirements);
• Manage the financial budgets and projections processes to ensure accuracy and timeliness and efficient usage of the company assets and resources;
• Support the implementation and adoption of ERP system for financial management and budgeting processes;
• Ensure good functioning of ALCO and chair the committee;
• Participate to financial knowledge within the organization, including in branch network.

• Conduct preliminary audit analyses for macro-processes by identifying the risks per macro-process;
• Supervise the audit team (financial auditors) to execute the audit program of audit mission by selecting the right transactions, clients, and other samples by macro process under support of Supervisor/Unit Manager;
• Review policies, procedures, and perform the audit testing on key and complex financial & operational transactions, such as reports, analyses, and documents;
• Review audit working paper and evidences prepared by auditors under supervision of the assigned audit missions;
• Collect sufficient and relevant audit evidences related to specific process/macro-process under supervision in order to rate that process/macro-process;
• Prepare briefing and draft departmental audit report of the assigned missions;
• Provide on-the-job training to new financial auditors to comply with audit methodologies, procedures and programs.

• Design training material and provide training on marketing campaign to branch staff;
• Monitor and execute marketing campaigns to Amret branches;
• Response to lender reports on CSR related part;
• Plan and execute CSR activities to build brand present in the market;
• Provide & coordinate the training on financial literacy to Amret’s client;
• Reconcile monthly expense on marketing campaign and CSR;
• Assist all Amret social related events;
• Other tasks provided by management.

• Records fixed asset invoices in the system by verifying that costs/expenses are properly approved, having sufficient support documents and following approved budgets
• Register, reconcile, capitalise and perform controls to ensure correct accounting of fixed assets/leases in compliance with CIFRS
• Prepare/review control accounts and support with month-end closing to ensure that monthly CIFRS reports are produced timely and in accordance with CIFRS
• Support financial statements audit and Group accounts consolidation audit by independent auditors
• Support process improvement around Oracle ERP to achieving efficiency, effectiveness, controllership objectives, Amret’s high performance culture
• To help with training/coaching the teams to empower them to improving their skills and performances

• Manage the maturity of assets and liabilities;
• Assist to develop/revise ALM policy to maximize net interest income and minimize risk due to mismatch between assets and liabilities;
• Analyze funding and lending cost to provide recommendation for critical profit enhancing decisions by ALCO;
• Assist to develop and analyze saving volatility by product type and currency to manage or forecast saving stability for the company;
• Analyze saving withdrawal before and on maturity by product type and currency to know the percentage of monthly withdrawal;
• Organize monthly ALCO meeting to assess the company's balance sheet and take appropriate action;
• Prepare slide-pack on ALM for ALCO meeting and provide recommendation to support the committee’s decision making.

• Develop procedures, guidelines, and forms for new products, services (MSO etc.);
• Improve procedures, guidelines, and forms for existing products, services (Savings, Deposit, Transfer, Bill Payment etc.);
• Cooperate with relevant departments: Risk, Legal, Compliant, Finance, Treasury, and Commercial to make sure all controls, compliant and other rules are integrated in the procedures, guideline;
• Work closely with IT department to provide the business requirement for system build;
• Design Test Cases for User Acceptant Test (UAT) and Production Verification/Validation Test (PVT)’s team;
• Provide training on new changes to Training Department (ToT);
• Support other non-credit related projects i.e moving transactions from over the counter (OTC) to Alternative Digital Channel (ADC);
• Support branch staff and conduct the evaluation on implementation of procedures and guidelines.