• Translate business requirements to technical documents in accordance with agreed templates;
• Take ownership to ensure high quality and timely delivery of multiple configuration, customization and developments in accordance with related development plans;
• Participate in project implementation assigned by Manager;
• Test software to ensure the code is correct and fix (debugging) errors where they occur; rerun and recheck the program until it produces the correct results;
• Recommend improvements to existing core banking system technical and business processes in order to meet requirements;
• Develop customizations and interfaces in the Core Banking System in conformance with development standards;
• Work with simplification and data teams to enhance end user experience and client insights;
• Collaborate closely with the quality assurance team to ensure the work before moving to user acceptance test;
• Participate in the designing and planning the projects in conjunction with the external partners, other IT, and business users.
• Make sure the long-term solutions are provided within the SLA on the Core Banking System;
• Develop, implement and document systems in internal methodology, processes and procedures for software development adhering to ISO & SDLC standards.

• Support activities related to the configuration, documentation, execution, performance optimization, performance troubleshooting of the close-of-business (COB) process, data replication and other ensuring conformance to agreed service level agreements (SLAs);
• Monitor key performance indicators for T24 operations, services and reports on exceptions while initiating corrective action;
• Provide T24 first-level technical support for COB process, and interface with TEMENOS for vendor support to resolve issues based on agreed internal and external SLAs;
• Ensure the 24x7x365 up and running of: ATM, FAST, NSS, and other customer self-service applications with capability to troubleshooting for issue; level 1 support or propose work around solution and escalating to vendor for service support;
• Provide support to Deputy or Head of department in developing plans and strategies to improve T24 services for users and to instill proactive and positive attitudes among staff under supervision towards fulfilling the department’s mission;
• Develop, implement and document T24 service operations, processes, procedures, and incident escalation management;
• Restore and recovery to ensuring proper scheduling, verification, cycles, media, retention, log, copies and storage have been applied.

• Develops IA department's strategy to ensure that potential risks are properly defined and integrated into audit missions of IT;
• Aligns the IT Audit department’s strategy with IA Division's strategy to shape functions and positions of audit effectively and appropriately;
• Updates the internal audit methodologies such as IA Charter, IA Manual, Internal Audit Procedures and Internal Audit Programs, especially on Macro Processes related to IT Audit, to ensure that internal control systems are well designed and implemented efficiently and effectively;
• Prepares annual and quarterly IT audit plan such as preliminary risk assessment (risk profile), activities, resources and time allocation, and budgeting in order to ensure proper, appropriate and risk-based plans are developed;
• Oversees company’s significant inherent risks and risks on new changes continuously (particular scope) and integrate the concerned risks into audit missions in order to ensure that company’s risks are properly detected by auditors and recommend to management to prevent the concerning risks;
• Establishes IT audit methodologies (audit processes and tools for audit missions) for auditors under supervision to ensure efficient and effective audit results;
• Monitors and manages IT audit teams to conduct the IT mission to ensure that potential risks are identified and meet the objectives of audit missions and plans;
• Controls and reviews the debriefing of audit results and internal audit report at departmental level (MIS areas) including an overall assessment of four-tier internal control ratings and recommendations to alert the head of auditee and senior management about significant risks;
• Manages the quarterly follow-up with heads of auditee on audit recommendations to ensure proper and timely implementation. Manages and encourages IT Audit Team under supervision to achieve consistently high performance and meet the Division's and IT Audit Department's objectives;
• Assesses skills and capacity of IT Audit Team under supervision in order to provide training, coaching and refreshment on audit methodologies to improve them and achieve a good quality of audit results;
• Monitors and reviews the Management Control reports which are done by IT unit manager to ensure that the Management Controls are regularly prepared effectively and efficiently in a timely manner.

• Controls and checks on the quality of construction, structure, equipment and decoration at key stages before/during construction such as; piling, basement floor, brick, sand, steel, cement, glass, door, window, ceiling, wall, fence, etc. to ensure that the constructor agencies follow with the specified standards in the construction plan to comply with the branch standard;
• Conducts a survey and re-check the quality of decoration, equipment as well as the strength of the building after operating for several months to assess the quality, value and ethics of suppliers/contractors for further construction contracts or contract adjustment;
• Searching for existing building or area for new/standard office and to negotiate with the landlord before the contract is made regarding to all major conditions are complied with Amret’s Standard;
• Follows up the status of all office rental contract which is about to be expired and report to the responsible person (by area) subject to consider for renegotiated or renewal;
• Follows up the status of all office rental contracts to ensure that the rental pay is made on time as per agreement;
• Coordinates in setting up Marketing tools in all Amret Branches such as; repairing and decoration to fit out of all branches to ensure all equipment is ready for running a smooth operation on opening day;
• Follows up the status of branch repairing and maintenance to ensure all issues are solved on time;
• Performs other tasks, duties, and projects relevant as required or assigned.

• Monitor and control costs incurred by HQ departments, Borrowing costs, Personnel costs and IT costs etc;
• Produce monthly report by comparing to budget and keep up to date all the changes;
• Produce timely report as required by management with the proper explanation;
• Produce the ad hoc cost control reports and highlight the keys important as required and deemed necessary by other departments;
• To reconcile, prepare and book all entries relating personnel costs in the GL system;
• Assist in producing timely and accurate financial statements in compliance with accounting policies, processes and guidelines;
• Assist in developing and updating Cost control/Tax procedures, guidelines to ensure transactions are simplified and compliance with Tax laws on taxation/regulations CAS/CIFRS and regulatory requirements;
• Support and coach team to ensure they have the abilities to perform the job properly.

• Develop/update report template to fit with business/operational changes and management requirements and add value to the company;
• Assist in developing/updating processes, guidelines and work plans for producing timely high-quality financial performance analysis and reporting for management and branches;
• Verify all branches’ financial performance reports to ensure the completeness and accuracy;
• Review and analyse all branches’ financial performance reports to identify the drivers of the top and bottom branches’ profitability and make recommendations;
• Prepare responses to all queries about branch financial performance analysis and reporting and submit to line manager for review;
• Produce ad hoc financial performance analysis and reporting as required and deemed necessary by other departments;
• Develop/update training materials on financial performance analysis and reporting to train/refresh all Regional Offices, Head/Deputy Head of Department, Branch/Deputy Branch Managers and selected branch staff;
• Other tasks assigned by Manager.

• Consolidate all the data from relevant departments to develop and generate Treasury and Strategic Risk framework;
• Monitor limit of some ratio required by National Bank of Cambodia (NBC);
• Analyze AMRET's financial statement such as Balance Sheet, Income Statement, and Other;
• Assist risk owner and Manager to control or manage Treasury and Strategic Risk;
• Support in Monthly Liquidity Risk Management Report preparation;
• Prepare Monthly Interest Rate Risk Sensitivity Report;
• Prepare Monthly Net Open Position (FX Risk) Report;
• Support in preparing Monthly ALCO pack for present in ALCO meeting;
• Monitor Risk event that affect to AMRET Treasury and Strategic Risk Management;
• Implement model to support strategic risk management function;
• Ensuring Strategic and treasury risk are correctly identifies and escalated when cannot be resolved at ground level;
• Check the requirement of regulatory bodies, especially National Bank of Cambodia (NBC) on the Treasury and Strategic Risk exposure;
• Identify analyze and evaluate Treasury and Strategic Risk within AMRET;
• Monitor Treasury and Strategic Risk and control to mitigate risk exposure;
• Develop and revise Treasury and Strategic Risk Reporting templates and formulas;
• Produce and update Treasury and Strategic Risk Report on regular basis;
• Make recommendations to manage Treasury and Strategic Risk exposures;
• Perform other tasks assigned by Manager.

Risk framework;
• Monitor limit of some ratio required by National Bank of Cambodia (NBC);
• Analyze AMRET's financial statement such as Balance Sheet, Income Statement, and Other;
• Assist risk owner and Manager to control or manage Treasury and Strategic Risk;
• Support in Monthly Liquidity Risk Management Report preparation;
• Prepare Monthly Interest Rate Risk Sensitivity Report;
• Prepare Monthly Net Open Position (FX Risk) Report;
• Support in preparing Monthly ALCO pack for present in ALCO meeting;
• Monitor Risk event that affect to AMRET Treasury and Strategic Risk Management;
• Implement model to support strategic risk management function;
• Ensuring Strategic and treasury risk are correctly identifies and escalated when cannot be resolved at ground level;
• Check the requirement of regulatory bodies, especially National Bank of Cambodia (NBC) on the Treasury and Strategic Risk exposure;
• Identify analyze and evaluate Treasury and Strategic Risk within AMRET;
• Monitor Treasury and Strategic Risk and control to mitigate risk exposure;
• Develop and revise Treasury and Strategic Risk Reporting templates and formulas;
• Produce and update Treasury and Strategic Risk Report on regular basis;
• Make recommendations to manage Treasury and Strategic Risk exposures;
• Perform other tasks assigned by Manager.

• Monitor and analyze the quality of portfolio (PAR), loan growth, and loan concentration for Amret level by main sectors, product types, product features as well as geography and collateral types;
• Monitor roll rate analysis to enhance the portfolio quality monitoring and reporting to management and related parties to calculate the probability of default (PD) to align with IFRS9 requirement on expected loss calculation;
• Monitor the trend of accumulated written off loan as well as written off recovery by regions and branches by working cooperation with loan recovery unit as well as accounting unit;
• Conduct PAR analysis by find out the main root causes of PAR occurrence in order to prepare narrative analysis report to relevant stakeholders;
• Zoom up the significant loan growth of loan as well as PAR growth on the specific loan main sectors, products, and purpose as well geography;
• Get involved in model development by reviewing regularly and proposing the variables included in the model;
• Make sure the variables in the model are updated and with an acceptable quality;
• Communicate with relevant parties in the model improvement process and scorecard generated in the system;
• Monitor the scorecard tool and result regularly; and critically read the result to check if it really fits with the current situation of the clients and the evaluation of BMs;
• Get regular feedback from end-users of the model and taking in their comments and suggestion for model improvement;
• Get involved in credit risk matrix by sector and product;
• Calculate the ECL ratio based on the framework and the equation;
• Produce the reports for NBC;
• Monthly prepare a flash report of PAR and report to CRC and management as soon as possible;
• Prepare monthly loan growth, PAR analysis report and update every two months to CRC and monthly to head of credit risk as well as manager, portfolio analytics and methodology;
• Prepare the quarterly CMA PAR and Loan portfolio trend and report to CRC and relevant stakeholders;
• Any report requested by executive managers related the tasks;
• Follow up, support and reinforce all sector decision/recommendation by CRC to ensure that it's fully implemented by related stakeholders;
• Assist to assess risk of high indebtedness in operational branches of Amret;
• CRC minute taker, GRC update and follow up the CRC decision;
• Assist to work other tasks assigned by HCR and CRC/ROC.

• Analyze trends and patterns in (complex) customer data sets using standard data analytics to recommend potential business use cases;
• Contribute to design, develop, and deploy required analytical data queries in response to business user needs;
• Design approaches and tools to monitor data quality;
• Participate in models' deployment (training of users when needed), variable adjustments and monitoring (change control and testing processes for modifications to data models);
• Work with application development team to coordinate the creation and management of data queries;
• Develop routines for end users to facilitate best-practice using of data mining tools