• To manage and oversee an assigned micro loan team by ensuring the established micro loan policies are followed and service quality standards are achieved as well as to evaluate, authorize, and recommend approval of micro loan application through having the precise knowledge and understanding of banking rules, regulations, micro loan policies and procedures pertaining to them including, but not limited to various Laws Applicable to Banks and Financial Institution.
• Drive and monitor all Micro Loan KPI to ensure achievements of the targets as expectations; Drive team to achieve each individual performance target and overcome challenges in their own areas through regular pipeline meetings; Provide continuous performance coaching and monitoring of micro loan personnel to ensure smooth day-to-day operations; Monitor team activities such as designing assignments, assigned duties, responsibilities, coaching and performance review to maintain stable operations; Take lead in promoting the Bank’s micro loan products particularly in conducting customer orientation to improve the quality of the Bank’s micro loan portfolio; Conduct site visit to customers’ property in accordance to the bank’s policy to ensure proper granting of loans Review thoroughly all micro loan applications to prevent any loan application fraud; Manage late payment and micro loan defaults by consistently providing team the professional methodologies to follow up, re-evaluate and restructure clients’ loans; Work closely with loan recovery team to ensure successful recovery of loan; Prepare daily, weekly and monthly micro loan disbursement reports as well as conduct daily monitoring of accounts to maintain the branch’s positive cash flow and proactively handle team’s micro loan portfolio; Ensure team write down and explain clearly and precisely the payment terms and conditions in the contract including late fee to the clients in order to timely collect all the loan payment and minimize clients’ default; Report and update the line manager any activities and status of the loan products as well as the problems and issues encountered by the operations while implementing the Bank’s micro loan policies to improve the branch’s quality loan portfolio; Ensure 100% actual verification and validation of micro loan applications and accounts for better internal control purposes; Give constructive feedback to improve the branch’s operational policy and guidelines; Handle complex customers’ issues whenever Micro Loan Officers could not by remaining calm and executing the excellent customer service principles to find an amicable solution for all; Resolve team routine and complex issues to maintain productivities and morale; Act as a role model within the team to question, listen and give actionable feedback carefully to create a productive atmosphere towards “speak up culture”.

Bachelor’s degree in finance and banking, accounting or any relevant field; Minimum two years of lending experiences in banking and financial services industry with a strong track record in granting loans plus one year of supervisory experiences; Excellent knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management; Good financial analysis and reporting skills; Ability to use and communicate in both Khmer and English; Proficient Microsoft Office and Bank’s software; Excellent sales and customer services skills; Good math skills and ability to spot numerical errors; Good team leadership, management, problem solving, negotiation and interpersonal skill; Strong dedication to accuracy and efficiency.