Relationship Manager / Compliance Officer / Head of Retail Deposit and Service / SME Loan Executive

AMK Microfinance Institution Plc. is one of Cambodia’s leading microfinance institutions, with coverage all over the country. AMK employs over 3,000 staff serving almost 1,000,000 clients in nearly 13,000 villages across Cambodia, 89% of all villages. We are looking for a talented and committed individual to join our diversified team, and offering attractive career prospects across branches and departments of our business.

A job at AMK is more than just a paycheck - we support our employees in their development and growth and help them explore their unique strengths.
1. Relationship Manager
2. Compliance Officer
3. Head of Retail Deposit and Service
4. SME Loan Executive
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01/ Job Title: Relationship Manager
Report to: Head of Commercial Business
Location: Takeo Province
Closing Date: April 08,2020

Job Responsibilities:

• Contribute a development of product, selling and marketing strategies on commercial and superior banking business to support the growth and advancement within the competitive industry. 
• Provide and support sale manager(s) the commercial and superior banking strategies and selling tactics to ensure they are well equipped for accomplishment of their target and objectives. 
• Manage, monitor and evaluate sale manager(s) to ensure the efficiency and effectiveness of their works toward the assigned goal and objectives.
• Build market network and conduct sale approaches to potential clients, especially key Individuals, SMEs and Corporate Clients
• Make appointment and conduct sale presentation to promote commercial and superior banking services to potential customers.
• Manage and build relationship with existing customers to maximize the cross-selling opportunities on all available financial products and services of the company.
• Prepare and properly manage client base, including management of sales pipeline report for Head, Commercial Business and Chief Commercial Business Officer.
• Develop and manage referral from both existing clients or other sources
• Keep up-to-date the competitors’ information, including their products, services and other marketing activities.
• Keep up-to-date with AMK’s marketing activities, products & services, and its product and market proposition to ensure both new and existing customers could be well educated and leveraged as much as possible the opportunities to support their businesses.
• Work with Regional Channel Manager and Provincial Managers to effectively serve commercial and superior customers.
• Contribute in customer referral or cross selling of other products if there is a need
• Other tasks assigned by Head, Commercial Business

Qualification and Experiences:

• Bachelor’s Degree in relevant field
• At least 2-year experiences in banking, microfinance or other field of business operations, especially involving with segments of SME, commercial and high profile individual customers.  
• Good relationship network, especially with segments of SME, commercial and high profile individual customers, is an advantage.
• High energy individual who can motivate staff and create business momentum
• Good communication in English (written and spoken)
• Good communication in Chinese is an advantage (written and spoken)
• Ability to work with cross functional teams
• Strong conceptualization and analytical skills
• Honesty and excellent interpersonal skills

02/ Job Title: Compliance Officer
Report to: Deputy Head of Compliance
Location: Head Office
Closing Date: April 08, 2020

Job Responsibilities:

• Assist Compliance Manager to produce the reports on regulatory compliances for Board of Directors, Board Risk Committee, Management Risk Committee, and Stakeholders.
• Assist in investigation of compliance breaches/lapses and come up with recommendation for action.
• Monitor and escalate all new and changes in laws and regulations which is applicable to AMK’s businesses to responsible departments.
• Develop training materials of the compliance and run compliance training.
• Provide assistance in developing, updating of policies and procedures by enforcing document standards.
• Maintain policies, procedures, exceptional report registration. Alert to the Policy Owner for reviewing the policies and procedures.
• Update AMK regulatory blacklist and internal watch-list and ensure the lists are updated in the customer screening systems.
• Perform customer risk profiling and alert to the manager on high risk customer for doing enhance customer due diligence  
• Monitor periodically on on-going customer due diligence
• Monitor and analyze suspicious transactions and report those to Compliance Manager and Head of Legal and Compliance.
• Assist manager to conduct compliance testing.
• Guide and assist all staff regarding to compliance of AML/CFT policy and procedure.
• Prepare AML/CFT reports as required by Manager. REPORTING
• Initiate to provide AML/CFT reports to Head of Legal and Compliance, Management Risk Committee, and Board Risk Committee. OTHER

Qualification and Experiences:

• Bachelor’s degree in Banking, Business, or Laws.
• Must have 2 years of work experience including banking or financial institution and operational risk and compliance. 
• Strong knowledge of the principles of risk management, compliance in bank and finance industry.
• Excellent written and oral communication, planning, problem solving and organizing skills.
• Highly motivated and committed

03/ Job Title: Head of Retail Deposit and Service
Report to: Chief Retail Business Officer
Location: Head Office
Closing Date: April 08, 2020

Job Responsibilities

• Manage and Lead Retail Deposit and Services Department for non-credit products in AMK’s Deposit business.
• Create and achieve clear goals for numbers of depositor and value of customer Deposits, Money Transfer, for AMK.
• Work with commercial team to support on new account opening to support payroll service.
• Work with other related departments to develop selling strategies and tactics for Deposit mobilization to make sure the designed products are well distributed to target customers.
• Work directly with Chief Retail Business Officer and Head of Region to ensure Deposit Operational Strategy is carefully coordinated, procedures are clear; staff are trained and motivated, etc.
• Lead and assist the deposit and services department and all branches to achieve their goal with high level of customer satisfaction.
• Develop and coordinate training programs to build the skills of the HoRs, PMs, BMs in order to enhance their product and services knowledge.
• Collaborate with Product Development to modify/update existing Deposit products.
• Search for new potential customers to make presentation, and keep a good relationship between them, especially with the key account customers.
• Work with Audit Team and Channel & Operation team to reinforce customer service and deposit business.
• Work with AMK Marketing Department and Head of Region to ensure the successful launch of marketing campaign. 
• Involve in risk identification and mitigation strategies as well as the implementation of those strategies to enable business growth at acceptable level.

Qualification and Experiences:

• Bachelor’s Degree in Banking, Management, Business Administration, or Marketing
• At least 5 years’ experience in bank non-credit operations management
• Experience working as MFI/bank Branch and Regional Manager level 
• Business line profit management responsibility
• Strong leadership capabilities
• High energy individual who can motivate staff and create business momentum
• Very strong communication skills in English and Khmer (written and spoken)
• Ability to work with cross functional teams
• Proven record of successful project delivery
• Ability to construct business models and write business plans with financial projections
• Strong conceptualization and analytical skills
• Honesty and excellent interpersonal skills

04/ Job Title: SME Loan Executive (18 Posts)
Report to: Sale Manager
Closing Date: April 08, 2020
Location:

1. Ang Snoul (1Post)
2. Bati (2Posts)
3. Battambang (1Post)
4. Kampong Chhang (1Post)
5. Kampong Thom (1Post)
6. Kampong Thmor (1Post)
7. Kong Pisei (1Post)
8. Preah Vihear (2Posts)
9. Pursat (1Post)
10. Puok (2Posts)
11. Preah Sihanouk (1Post)
12. Siem Reap (1Post)
13. Stueng Treng (3Posts)

Job Responsibilities

• Promote SME products to target clients (focus on Entrepreneurs, Retailer, seller …)
• Assessment and disbursement Loan
• Follow up and maintenance loan quality
• Prepare loan projection plan and monthly disburse plan with approval by Sale Manager
• Maintenance loan quality
• Follow up and solve problem then report to Sale Manager
• Liaison with the local authority in initiating promotion and loan problem settlement
• Performs other duties as required by Sale Manager.

Qualification and Experiences:

• At least study in 4 year at university in Economics, Banking & Finance, or related fields
• At least two years experiences in credit officer position at MFI or bank.
• Objectivity, sound judgment and problem-solving skills
• Planning and organizing skills and ability to work under pressure
• Adequate knowledge on credit and loan policies and methodologies
• Willing to drive and work at the field
• Good computer skills
• Working knowledge of English
• High motivation and ability to work without supervision
• Good interpersonal and team work skills

Benefits

• Competitive salary package to the employees
• Khmer new year bonus
• Phchum Ben bonus
• Retention bonus
• Retirement bonus
• Incentive
• Pension fund
• 100% medical insurance for employee’s spouse and children for local treatment
• Overseas treatment
• Accident insurance 24/7days
• Education loan with only 2% interest rate per year
• Housing loan with only 5% interest rate per year
• Maternity/Paternity Allowance
• Annual leave based on Cambodia labour law
• Capacity development and opportunity to promote per job requirement
• Seniority payment
• Working condition in accordance to the Cambodian Labor Law

HOW TO APPLY

Interested candidates should apply by sending a CV and a cover letter to: AMK branch and sub-branch offices or Head Office, Building 285, Yothapol Khemarak Phoumin Blvd. (271), Sk. Tomnub Tuek, Kh. Chamkarmorn, Phnom Penh, Cambodia or E-mail: [email protected]

Attachments:

• A copy of obtained certificates or confirm letter by the University
• A copy of national identification, family book, and certificate of birth

For additional information, please contact at Tel: (023) 993 062 / (023) 224 763 or visiting website: www.amkcambodia.com
AMK is an equal opportunity employment. Qualified women and persons with disabilities are encouraged to apply.