• 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

• Provides legal updates and translate legal requirements to ensure Amret's activities are conducted in conformity with laws and regulations;
• Works proactively with Senior Management and internal Departments to ensure that regulatory risks have been identified and taken appropriate course of action;
• Assesses Legal implications and advice on things such as; high value transactions, contracts, loan documentation and internal policies;
• Participates or takes lead in negotiations with prospective business partners and authorities and liaises with external Legal Counsel, if needed;
• Gives advice and review the progress of outstanding litigation to protect company’s interest;
• Oversees the provision of internal trainings to sales force on legal topics such as; contract law and land law;
• Supports the corporate secretary duties;
• Contributes to the design of regulatory compliance testing;
• Coaches Legal Team to improve their capacity in performing jobs;
• Undertake other duties as may be assigned by Head of Legal and Compliance from time to time.

• Manages the maturity of Assets and Liabilities by ensuring the institution can meet all obligations in the next time frame and provides effective recommendations for critical decision making to the committee;
• Analyzes Assets and Liabilities Management reports to ensure the company is not exposed to financial risk and provides recommendations to ALCO committee in maximizing profitability;
• Develops and revises Assets and Liabilities Management policies to maximize net interest income and minimize risks due to mismatch between assets and liabilities;
• Analyzes funding and lending costs to provide recommendations for critical profit enhancing decisions by ALCO;
• Monitors and manages on all regulatory and internal ratios to ensure the institution is always in compliance and alerts Management shall there is any possibilities of the breach;
• Monitors liquidity risk, market risk and counterparty risk to ensure the institution is operating profitable with lowest risk;
• Develops and analyzes savings volatility by product types and currency to manage or forecast savings stability for the company;
• Analyzes savings withdrawals before and on maturity by product types and currency to know the percentage of monthly withdrawals to ensure the company has enough liquidity to support normal requirements, plus a buffer to reduce the likelihood that liquidity falls below these;
• Manages maturity of deposit and work closely with sale team to ensure the enough fund to support customers withdrawal needs;
• Analyzes deposit by different category/segmentation in order to provide recommendation to management for their decision making;
• Organizes monthly ALCO meetings to assess the company's balance sheet and take appropriate action;
• Prepares PowerPoint presentations on Asset and Liability Management for ALCO meetings and provide recommendations to support the committee’s decision making;Drafts ALCO meeting minutes for validation by the committee and circulate it to all relevant departments so they can take necessary action.

• ចូលរួមក្នុងការកសាងយុទ្ធសាស្រ្ត និងផែនការទីផ្សា និងការលក់ និងប្រមូលប្រាក់
• អនុវត្តផែនការយុទ្ធសាស្រ្ត ផែនការទីផ្សា និងការលក់ និងផ្តល់សេវាទីផ្សា និងការលក់
• សិក្សាលើតំរូវការទីផ្សា គូរប្រកួតប្រជែង និងផ្តល់អនុសាសន៌ទៅលើលទ្ធផលដែលបានរកឃើញ
• តាមដានលើសកម្មភាពទីផ្សា ការផ្សព្វផ្សាយ និងសកម្មភាព promotion របស់ក្រុមហ៊ុន

• A Bachelor’s Degree in business Administrators, law or other relevant discipline is required.
• Minimum of 2 or 3 Years of HR experience, with at least 2 year related to Employee Relations function in Banking Sector.
• Good Problem-Solving ability.
• Able to handle multiple tasks simultaneously.
• Outstanding communication skills including refined writing skills and the ability to speak clearly and concisely.
• Computer proficiency in (Ms. Word, Excel, Power Point-etc.).
• Good organizational skills.
• Fast learning, friendly and be a good team player.

• Conduct Training Needs Analysis (TNA)
• Design and expand training and development programs based on the needs of the individuals and organization
• Provide high quality of professional training courses and materials
• Design, organize, facilitate training program to develop and improve the competency of customer service and loan-related employees
• Organize induction training for new employees
• Develop and facilitate relevant “in-house” training programs
• Evaluate modes of training delivery, such as in-person/virtual to optimize training effectiveness, training costs
• Research and recommend new training methods
• Maintain records of training and development activities, attendance, results of tests and assessments, and retraining requirements
• Perform other duties as assigned

• Accomplishing quarterly and yearly target set by management
• Establishing marketing strategies in lending process, product, and service
• Surveying on market competence
• Ensuring loan application is compliance with policy and regulation
• Analyzing and structuring loan application
• Maintaining good relationship with existing clients and exploring new potential clients
• Maintain and follow up team members’ daily activities, interview applicants and site visit properties to determine financial eligibility and feasibility of granting loans.

• Prepare official memo, announcement for public posting on bank Facebook page / website
• Translate official document from Khmer to English and vice versa to ensure meaning and context are maintained.
• Work with cross department in CUBC to facilitate marketing team on posting caption and content on bank Facebook page or other social media.
• Assist marketing team to respond to the customer’s enquiry instantly through Facebook page or messenger or guide them to related department.

• Conduct market and competitor survey periodically for strategy/decision making
• Develop product positioning and pricing for new and mature product; and feature that differentiates CUBC products in the market; adjust product in responsive to company strategy, competitor offerings and market trend.
• Sales enablement – communicate the value proposition of the products to the sales team and develop the sales tools that support the selling process of your products
• Product launch and finetune– plan the launch of new product from end to end (survey, proposal approval, cross-functional co-work and implementation)
• Marketing program/campaign launch and execution – initial planning, execution, and post tracking.
• At-hoc