• Support unit manager to originate new products and services to cater to the segment(s) in charge and align with technology usage;
• Support and monitor the implementation of commercial strategies and penetration of new markets;
• Define Value Proposition and commercial speech for segment in charge to deliver on business targets;
• Enhance the existing products or services to align with market needs, technology and target segmentation, and also ensure new initiatives achieve is possessed a competitive advantages and meet with current need of client needs;
• Support unit manager to originate the tools for businesses to acquire and maintain the client by offering the services to align with client’s needs and competition;
• Implement campaigns to drive business performance;
• Develop good and close relationships with Amret staff in provinces and branches and with other external organizations as such as partners to ensure they are well cooperation on sales target;
• Collaborate and coordinate with diverse teams of marketing, business operations, sales, customer services and channel delivery team to deliver on targets.

• Strengthening the Implementation of Customer Service Policy;
• Travelling to all branches and province at least twice a year;
• Audit the implementation of customer services with all branches to ensure the compliance; and services quality for both front and back office for future improvement;
• Interpersonal, problem-solving skills;
• Strong on communication skill and able to handle task well;
• Data key in and produce report;
• Assist Supervisor in providing customer experience training and coaching relevant staff effectively to ensure they have enough accurate information to perform high standard of customer services;
• Involve in any update on policies and procedures for customer service to achieve high standard and mechanism and tools for gathering the information of customer feedback and complains for branch evaluation as well as other marketing intelligences for future improvement;
• Support supervisor for develop program on Retention client and program or event that make clients surprise and feel taking care of.

• Assist in developing/updating procedures and guidelines for the correct recording and declaration and complete and timely payment of taxes in compliance with Cambodian tax law;
• Verify tax computation done by tax officers to ensure accuracy and compliance with Cambodian tax law;
• Regularly reconcile and monitor variances of tax payable accounts to ensure the completeness and accuracy of tax computations and application;
• Review tax adjustment transactions proposed by tax officers and communicate to head office and branch staff to improve accounting processes and reduce the risk of incorrect tax payments;
• Check and reconcile summary tax report and tax returns for payments and declaration to the General Department of Taxation;
• Verify and reconcile all tax documentation, both soft and supporting hard copy, to ensure that documents are properly safeguarded and readily retrievable;
• Assist manager in dealing with tax authorities for tax audit, resolving all related tax issues and minimizing exposure to risk;
• Develop/update tax training materials to ensure their sufficiency and proper tax reporting at branches and head office;
• Check invoices/contracts/proposals for head office to ensure compliance with Cambodian tax law and reporting requirements and reduce the risk of incorrect tax payments;
• Supervise, support and coach tax officers so that they have enough ability to perform the job;
• Aim to achieve high quality results and to strengthen Amret’s high performance culture.

• Update new and enhance the existing tools to monitor and analysis the trend of loan and PAR portfolio growth, loan concentration, portfolio at risk (PAR) by main sectors, regions, products, branches as well as by sub sectors;
• Update the existing tools for cross data analytics to make sure that all the risks of loan Monand PAR growth can be identified and managed properly;
• Monitor the concentration limit of KRIs daily/ monthly and report to related parties in case of having breach the limit or watch level;
• Monitor the limit concentration growth and estimate the time for reach the watch level of the fast grown KRIs;
• Keep monitoring the trend of portfolio and PAR growth by regions, branches, products, main sectors and sub sectors;
• Cross data analytics to find out the root cause of loan growth, PAR growth and recommend the actions to be taken;
• Monitoring on the main sub sectors outlook and make proposal to limit or take action in case of the sub sector trend to be bad outlook in the future;
• Collect the main commodity price from settled branches to monitor some main of the cash crops price;
• Request the data from MEF, MAFF or MC... for commodity price, import and export trend in order to be a reference for sub sector outlook forecast;
• Hunting the news both internal and external that are sensitive for loan and PAR growth impact
• Work closely with IT team in case of having any doubtful of the accuracy of the data;
• Request to add field in the cube or MIS report that is important to analyse the credit risk or the demand data from HCR, CRC;
• Follow up the price, output for sub sectors by CRC to make sure that it compliance with Prakas;
• Follow up the LO by banned purposed by CRC and provide the data to internall controller to pass to branch in order to correct;
• Monthly report to CRC and stakeholders;
• Follow up, support and reinforce all sector decision/recommendation by CRC to ensure that is fully implement.

• Develop and conduct E&S assessments and prepare E&S highlight reports for publication and dissemination;
• Monitor E&S development and consult external actors to keep E&S indicators, policy and procedures updated;
• Initiate Social Responsibility Program linkages with other actors and put forward proposals to E&S Committee and senior management for their consideration and selection;
• Represent Amret as a member of the Social Performance Task Force to learn about the developments, the best practices, and update E&S Committee and senior management on must-do steps for being successful E&S;
• Facilitate with lenders to ensure that Amret is well implementing Client Protection Principles and Exclusion List;
• Analyse and conduct market survey & intelligence to be aware gaps between existing methodology guide and implement with situation change;
• Disseminate the Credit Risk Methodology to staff to ensure they understand the concepts and condition to implementers properly;
• Cooperate with related departments in identifying and developing systems and training methodology guide to ensure smooth and timely product launch activities with risk mitigation;
• Follow up and support staff to ensure proper implementation of policies and application of methodology guidelines and collection of feedback for better to modification;
• Conduct training or refreshment the Credit Methodology to ensure implementation is fully applying.

• Support sales division in develop annual budget guideline for branch and region follow Amret's strategic objectives;
• Draft on assumption related to average loan size, average loan portfolio yield by product by segment;
• Draft on assumption related to average deposit balance, account grow by segment by product;
• Check draft operational expense proposed by branch/region to ensure accuracy and soundness;
• Draft on assumption of none loan fee income for branch/region;
• Coordinate, consolidate and support branch/region to develop on annual budget;
• Check draft result annual budget developed by BM/HOR to ensure quality and soundness of assumption with proposed
• timeline;
• Key contact person represents sales division to participate with various projects at head office such as performance report,
• Operational Dashboard, Financial Dashboard, CO-Tabular, Web-operational report etc;
• Lead, review and update various project and guideline in sales division such as portfolio management guideline, network staff
• incentive scheme etc;
• Analysis on branch performance efficiency (ROA, OCR productivity, yield...) and make recommendation for improvement;
• Supervise and support SOFSA;
• Prepare ad hoc reports assigned by manager such as performance update, slide for the meeting, performance update etc;
• Follow up and support the implementation of new update project to make sure that sales staff will be done timely follow the guideline;
• Accompany lenders and external visitors to visit branch network;
• Field visit to understand business and market of the networks.

• Analyze and identify Financial Risk that affect Amret’s business performance and timely report to related management;
• Review and monitor Financial Risk KRIs to make them complied with regulation and the limit approved by Board of Director, and assist risk owners to manage Financial Risk;
• Work on Liquidity Risk, Interest Rate Risk and FX Risk framework and get involved in doing the related Market Risk stress testing;
• Prepare and review regularly Treasury Risk Report for Management, ALCO, ROC, and BOD;
• Assist Head Integrate Risk Oversight to strengthen financial Risk management by looking at external risk factors affecting AMRET’s business performance;
• Address the financial risk factors and make recommendation on policy or procedure needed for improvement. Regularly monitor finance risk KRIs and take action to the limit breach Develop and implement financial risk management tools;
• Guide and provide training on how to manage financial risk to relevant staffs;
• Perform additional tasks and any duties as required by Head Integrate Risk Oversight and Chief Risk Officer.

• Develop and update operational risk management policy for validation by Risk Oversight Committee (ROC);
• Lead development and updating of management tools (operational loss data, Risk Control Self-Assessment (RCSA), key risk indicators and internal controls) to prevent potential operational risks;
• Lead development and updating of Business Continuity Plan (BCP), BCP testing plan and guideline to ensure continuity of Amret business activities and prevent unexpected events from disrupting operations;
• Lead development and updating of fraud management risk management policy and methodology, Operational Loss Event data procedure and tools to ensure all operational risk incidents are properly recorded, detected and managed;
• Lead development and updating of Third-Party Risk Management policy, New Product Approval Process policy and procedure to ensure risk risks are properly mitigated and managed;
• Lead assessment of Amret RCSA by working with risk owners to identify potential risks and implement prevention measures;
• Oversee analysis of operational loss data and key risk indicator data to identify potential risks and implement prevention measures;
• Conduct threat assessment regarding business continuity risk, and propose for risk mitigation;
• Participate and contribute to risk assessment and its integration into new policies, operational manuals, procedures and related projects;
• Analyze issues found by SOIC and Internal Audit Department and alert to relevant departments to define mitigation tools;
• Follow up, support and reinforce all decisions and recommendations made by Operational Risk Committee (ORC) to ensure these are properly implemented at the time;
• Report and alert significant operational risks to ORC;
• Lead and coach staff to ensure they can perform their jobs following business requirements;
• Disseminate operational risk management policy, risk mapping tools and operational loss data tool to relevant managers and staff;
• Provide training on internal controls, BCP, Business Management Guidance, fraud management to ensure relevant staff are fully aware and know how to apply related policies and procedures.

• Assemble and install desktops and related peripherals (printers, scanners, etc.) according to established guidelines;
• Install, troubleshoot and maintain Windows, MS Office, Email Clients, Internet and other core and productivity software (S/W) helping end-users do their job more efficiently;
• Keep Desktops up to date with patches, virus updates, and security fixes, take backups and execute scheduled and ad-hoc maintenance activities ensuring conformance with maintenance schedules and mandates as well as with internal time-plans;
• Configure and administer desktops and laptops to ensure that interconnect seamlessly with file, email, application servers and services, troubleshooting and resolving related problems;
• Maintain and support the Local Area Network (LAN) escalating and resolving any issues with the assistance of the Network Unit;
• Maintain a complete hardware (H/W) and S/W inventory updating related tracking databases;
• Train end users on basic use of hardware and software helping them use their Desktops/Laptops productively.

• Provide initiative security requirements, security consultation and recommendation to the new project related to IT Project and/or
• Information System Project;
• Perform security control testing and security gaps analysis for the new solution and new IT Project if requires;
• Establish the procedure for manage and perform security assessment on Web Application, API and Application Development;
• Establish the procedure, guideline or test case scenario to perform penetration testing on the related system/application and delivery the report;
• Conduct Threat Analysis and provide mitigation control to prevent the information security threat and cyber threats;
• Perform security advisory functions to assessing information security risk and provide recommendation to mitigate the risk for the new business products or services;
• Perform information security risk assessment within the scope of information security by following information security risk management.