Online Funding Raising Coordinating Officer / IT Internal Auditor (ITIA) / Branch Manager (BM) / Head Teller (HT) - Kampong Trach Branch / Head Teller (HT) - Kampong Popil Branch

KREDIT Microfinance Institution Plc., founded in 1993, is a permanent license Christian Microfinance Institution which is contributing to the social and economic development of communities by enabling the economically active poor to improve their lives through its reliable and sustainable financial services such as Loan, Deposit, ATM&CDM, Fast Payment, Payroll Service, and Local Money Transfer. To meet our recent operational growth and expansion, KREDIT Microfinance Institution Plc. is currently seeking for qualified candidates for the positions​​​ as the following:

1. Online Funding Raising Coordinating Officer  
(Work Area/Regional: Head Office Phnom Penh / Work Place (Branch): Head of Credit & Branch Supervision)

2. IT Internal Auditor (ITIA) 
(Work Area/Regional: Head Office Phnom Penh / Work Place (Branch): Internal Audit Department)

3. Branch Manager (BM) - Kampong Trach Branch

4. Head Teller (HT) - Kampong Trach Branch

5. Head Teller (HT) - Kampong Popil Branch

1. Online Funding Raising Coordinating Officer   (Base In Head Office Phnom Penh)

Job Responsibilities:

• Manage all related online workflow.
• Ensure that information is provided to online partner  and to senior. KREDIT management on a regular basis in order to maximize KREDIT’s fundraising ability and overall credit limit with online partnership.
• Make adjustments to procedures as necessary to expedite the funding of loans.
• Ensure that all KREDIT staff are aware of their roles and responsibilities in connection to KREDIT’s partner.
• Work with the relevant staffs to set targets for number of loan application-related matters as appropriate.
• Facilitate and discuss the new products or initiate to be funded through Kiva
• Set overall fund raising goals, including targets for specific branches/centers
• Monitor repayment reporting data integrity
• Ensure the compliance with all Partner policies and rules
• Direct the workload of the Partner in regards to uploading borrower profiles and digital photos to PA2 or other require
• Check and resolve on loan issue as weekly basis.
• Oversee and direct journaling efforts including drafting and inputting into PA2or other requires.
• Ensure that report are accurate and timely as required
• Other tasks required by Superiors

Job Requirement:

• Bachelor’s Degree of Education in English
• Experiences at least 2 years in micro sector
• Good understanding of all KREDIT policies and guideline
• Ability to deal with difficult situation
• Good computer skills, internet and email
• Good communication skills
• Honest and neutrality in work
• Initiative and creative
• Ability to travel to province branch

2. IT Internal Auditor (ITIA)   (Base In Head Office Phnom Penh)

Job Responsibilities:

• Take charge mainly on the scope of IT Audit on IT infrastructure, IT application/database and IT Security control and compliance
• Manage the own yearly plan with both quality and quantity as assigned
• Manage timeframe for each the audit mission as agreed in order to achieve both quality and quantity
• Do audit pre-plan before the audit executions through data collection to follow the audit policy/procedure, guideline, and audit program in order to ensure all kinds of risk covered and managed
• Submit the pre-plan to senior auditor/audit unit manager for review and comment
• Prepare report by areas or branches and submit to IT Audit Unit Manager and HIA for review and consolidate
• Discuss and clarify the finding with auditee/stakeholders in order to find a clear root cause
• Keep more concerns in each process to ensure that the internal control is in place and effective
• Quick update to a supervisor if there is any suspicious case discovered
• Ensure the audit documents are fully completed information and store on the server after finished audit mission
• Make sure the constant capacity building and up to the date of KREDIT business performance
• Other tasks required by Superiors

Job Requirement:

• Bachelor’s Degree in Information Technology
• Experiences at least 2 years in Information Technology
• Competence in Information Technology operation, IT Infrastructure and Network, Database, Physical and logical security, Information System development and IT general control
• Knowledge of Application development process
• Good understanding of internal control, process and risk analysis, IT security and Application control management knowledge
• Good teamwork and audit ethics
• Knowledge or experience with Core Banking System are more advantageous.
• High motivation and ability to work independently
• Good written and spoken English, Communication and interpersonal skills

3. Branch Manager (BM)   (Base In Kampong Trach Branch)

Job Responsibilities:

• Check the loan application submitted by COs, and CCOs to ensure the enough data, information, and relevant documents/ references before approving it under authorization given or recommend to Credit Committee for approval or rejection.
• Set up and control the yearly, monthly, and daily plan of disbursement and collection in order to grow the quality of loan portfolio.
• Cross-sell none credit products and services.
• Direct all operational aspects including distribution operations, customer service, human resources, administration, and sales at branch.
• Develop cash flow forecasts, financial objectives, and business plans (loan and none loan services).
•  Assess local market conditions and identify current and prospective sales opportunities for Loan and none loan services.
• Take the lead in promoting Company’s products and services to potential clients and local authorities.
•  Day-to-day manage staff at the branch by follow up the individual staff Performance, Identify the Training need, provide supporting to improve their performance, and participate of the capacity building.
• Coordinate and resolve disputes in the branch.
• Review and implement target planning of Credit & Branch Supervision Department and relevant departments effectively and in a responsible manner.
• Monitor and follow up customer repayment reports daily. In cases where there is a customer later repayment, it is necessary to arrange a credit officer responsible for accessing the client's residential or business premises so that they can study and solve the problem in a timely manner, avoiding the debt being a serious debt.
• Regularly monitor office management, security, ordering both inside and outside the office.
• Ensure appropriate training and communication new products, policies, procedures and ensure branch staffs in compliance.
• Maintain communication between the branch and management by preparing daily, weekly, and month-end reports regarding operations and productivity.
• Formulate recommendations and provide feedback to the management regarding operational policies and procedures.

Job Requirement:

• Bachelor of Business Administration in Management or Finance and Banking or in any related field.
• At least three years’ experience in Microfinance or banking industry or other related field
• Honesty, Initiative, creatively, high commitment and good inter-personal skill, and able to manage and lead team for success.
• Ability and effectively communicate in both Khmer and English.
• Sound working knowledge of Computer (Ms. Word, Ms. Excel, Flexcube, Email).
• Good commitment in fieldwork and strong willing to work with rural people.
• Good faith in Christianity.
• Good understanding of Cambodian MFI/banking rules and regulations.
• Salary can be negotiable.

4. Head Teller (HT)   (Base In Kampong Trach Branch)

Job Responsibilities:

• Make daily cash flow projection for operation effectively and submit to relevant department.
• Be responsible for managing cash in branch by ensuring cash is sufficient (not over or short) for daily operation conforming to treasury policy.
• Manage on safe transaction and be granted the right to assess bank transaction in accordant with finance and treasury policy.
• Facilitate in cash advance for disbursement, cash withdraw, etc.
• Control cash balance in Tills and receiving cash reimbursement from Office Teller.
• Be Responsible for process settlement to expense, income and bank transaction by equipping supporting document and properly noting.
• Response for recording of daily expense, income and bank transaction into system.
• Examine the performance of counter staffs to ensure high quality of customer services.
• Check and approve on daily transaction for closing entry of Office Teller.
• Monitor and do authorization in saving, fund transfer, and money exchange transaction in the system.
• Coordinate and overcome all problems are facing of daily counter transaction.
• Facilitate and deal all issue deriving from the conflict between client and institution.
• Provide counter staffs the guidance and training about guideline, memo, policy and other by ensuring they are understanding and be able to perform their task.
• Report to Risk department the information of CTR for transaction within mount of >=$10,000 or 40,000,000 R.
• Carrying out other tasks assigned by direct manager etc.

Job Requirement:

• Bachelor degree of Finance and Banking or in any related field.
• Having experience of the relevant job at least one years.
• Must support KREDIT vision and mission.
• Honest, rigor and friendly.
• Ability and effectively communicate in both Khmer and English.
• Sound working knowledge of Computer (Ms. Word, Ms. Excel, Flexcube, Email).
• Good commitment in fieldwork and strong willing to work with rural people.
• Acceptable written and verbal communication skills (Khmer and English).
• Problem Solving and Decision Making.

5. Head Teller (HT)   (Base In Kampong Popil Branch)

Job Responsibilities:

• Make daily cash flow projection for operation effectively and submit to relevant department.
• Be responsible for managing cash in branch by ensuring cash is sufficient (not over or short) for daily operation conforming to treasury policy.
• Manage on safe transaction and be granted the right to assess bank transaction in accordant with finance and treasury policy.
• Facilitate in cash advance for disbursement, cash withdraw, etc.
• Control cash balance in Tills and receiving cash reimbursement from Office Teller.
• Be Responsible for process settlement to expense, income and bank transaction by equipping supporting document and properly noting.
• Response for recording of daily expense, income and bank transaction into system.
• Examine the performance of counter staffs to ensure high quality of customer services.
• Check and approve on daily transaction for closing entry of Office Teller.
• Monitor and do authorization in saving, fund transfer, and money exchange transaction in the system.
• Coordinate and overcome all problems are facing of daily counter transaction.
• Facilitate and deal all issue deriving from the conflict between client and institution.
• Provide counter staffs the guidance and training about guideline, memo, policy and other by ensuring they are understanding and be able to perform their task.
• Report to Risk department the information of CTR for transaction within mount of >=$10,000 or 40,000,000 R.
• Carrying out other tasks assigned by direct manager etc.

Job Requirement:

• Bachelor degree of Finance and Banking or in any related field.
• Having experience of the relevant job at least one years.
• Must support KREDIT vision and mission.
• Honest, rigor and friendly.
• Ability and effectively communicate in both Khmer and English.
• Sound working knowledge of Computer (Ms. Word, Ms. Excel, Flexcube, Email).
• Good commitment in fieldwork and strong willing to work with rural people.
• Acceptable written and verbal communication skills (Khmer and English).
• Problem Solving and Decision Making.

KREDIT provides competitive salary based on education, experience, and potential. We offer   annual salary increment plus other benefits such as:

1. Annual incentive 
2. Bonus (13th month salary)                                  
3. Pchum Ben salary                                                    
4. 24 hours insurance covered staff safety             
5. Monthly health benefits
6. Public holiday comply with Cambodia labor law 
7. Five working days per week
8. Special interest rate of staff loan
9. Staff uniform       
10. Staff wedding package
11. Provide staff scholarship 
12. Maternity package      

How to apply

Interested candidate should submit your CV, cover letter, 2 new pieces of 4x6 photo, copied ID card, family book, birth certificate, education and work certificates, and transcript to KREDIT Microfinance Institution Plc. Head Office at #71, St. 163, SangkatToul Svay Prey I, Khan Chamkarmorn, Phnom Penh or by Email: [email protected] Or candidates can apply by Website: www.job.kredit.com.kh (Send only CV& cover letter in word or pdf file. Don’t attach docs).
Closing Date: 06-February-2019 at 04:00 PM
KREDIT will be neutral, not bias, transparency, non-discrimination towards sex, religious, political affiliation, disability, color and marital status.
Note: Only shortlisted candidates will be notified. The application and documents will not be returned.