• Provide effective supervision and oversight of an assigned micro loan team, ensuring adherence to established micro loan policies and achievement of service quality standards.
• Evaluate, authorize, and recommend approval of micro loan applications by possessing precise knowledge and understanding of banking rules, regulations, micro loan policies, and procedures, including various laws applicable to banks and financial institutions.
• Exercise direct supervision over the micro loan team to ensure smooth day-to-day operations.
• Monitor team activities such as designing tasks, assigned duties, responsibilities, coaching, and performance reviews to maintain stable operations.
• Take the lead in promoting the Bank’s micro loan products, particularly in conducting customer orientations to improve the quality of the Bank’s micro loan portfolio.
• Conduct site visits to customers’ properties in accordance with the bank’s policy to ensure proper granting of loans.
• Review thoroughly all micro loan applications to prevent any loan application fraud.
• Manage late payments and micro loan defaults by consistently providing the team with professional methodologies to follow up, recover, and restructure clients’ loans.
• Work closely with the loan recovery team to ensure successful recovery of loans.
• Drive the team to achieve individual performance targets and overcome challenges in their own areas through regular pipeline meetings.
• 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 the team’s micro loan portfolio.
• Ensure the team writes down and explains clearly and precisely the payment terms and conditions in the contract, including late fees, to clients to ensure timely collection of all loan payments and minimize client defaults.
• Report and update the line manager on any activities and status of loan products, as well as problems and issues encountered by operations while implementing the Bank’s micro loan policies, to improve the branch’s quality loan portfolio.
• Conduct 100% actual verification and validation of micro loan applications and accounts for better internal control purposes.
• Provide constructive feedback to improve the branch’s operational policy and guidelines.
• Handle complex customer issues whenever Micro Loan Officers cannot, by remaining calm and executing excellent customer service principles to find amicable solutions for all.
• Resolve team routine and complex issues to maintain productivity and morale.
• Act as a role model within the team to question, listen, and give actionable feedback carefully to create a productive atmosphere towards a “speak up culture”.

Bachelor’s degree in finance and banking, accounting, or any relevant field; Minimum two years of relevant experience in banking and financial services industry with a strong track record in granting loans; Excellent knowledge of bank branch operations, rules and regulations, laws, granting loans, and credit risk management; Ability to use and communicate in both Khmer and English; Proficient in 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 skills; Strong dedication to accuracy and efficiency.