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Amret MFI

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Amret is a leading microfinance institution and one of the top 10 financial institutions in Cambodia. A majority-owned subsidiary of Bank SinoPac, Amret has prestigious international shareholders and respected national and international reputations as a responsible and innovative institution. Throughout its evolution, Amret has stayed true to its mission - to provide underserved clients with financial services tailored to their needs. ​​​​​​​To support Cambodian entrepreneurship, Amret has developed a suite of financial services, including flexible and easily accessible loans for farmers as well as medium loans for micro, small and medium enterprises. Moreover, Amret offers a full suite of deposit, saving, payment, and transfer services for rural and urban households and enterprises to manage their budgets and realize their projects all over Cambodia. All these services are delivered at our branches and via several digital channels with the utmost professionalism and a particular emphasis on high-quality customer service and personal relationships. Amret believes that, by being there for the underserved rural and urban households, we can make a difference in the community. ​​​​​​​It is a philosophy that goes beyond offering financial products and services that cater to client’s needs but the effort in fostering communities, nurturing local entrepreneurship spirit, and encouraging economic and community development. ​​​​​​​For more than 30 years, we have put the customers at the heart of our business. It is how we do business and it is what sets us apart. OUR VISION To be an outstanding financial institution that improves the living standards of the population and contributes to the economic and social development of Cambodia. OUR MISSION To provide a wide range of financial services for low income people as well as micro, small and medium enterprises - while at the same time achieving a high level of financial and social performance.
About Amret MFI

Employer Details

  • Type: Direct Employer
  • Industry: Banking/ Insurance/ Microfinance
  • No. Employees: 1001 to 5000

Address

No. 80, Street 315, 7 Village, Boeng Kak 2 Commune, Toul Kouk District,Phnom Penh, Cambodia

Company Vision and Mission

Amret is a leading microfinance institution and one of the top 10 financial institutions in Cambodia. A majority-owned subsidiary of Bank SinoPac, Amret has prestigious international shareholders and respected national and international reputations as a responsible and innovative institution. Throughout its evolution, Amret has stayed true to its mission - to provide underserved clients with financial services tailored to their needs.


​​​​​​​To support Cambodian entrepreneurship, Amret has developed a suite of financial services, including flexible and easily accessible loans for farmers as well as medium loans for micro, small and medium enterprises. Moreover, Amret offers a full suite of deposit, saving, payment, and transfer services for rural and urban households and enterprises to manage their budgets and realize their projects all over Cambodia. All these services are delivered at our branches and via several digital channels with the utmost professionalism and a particular emphasis on high-quality customer service and personal relationships.

Amret believes that, by being there for the underserved rural and urban households, we can make a difference in the community.

​​​​​​​It is a philosophy that goes beyond offering financial products and services that cater to client’s needs but the effort in fostering communities, nurturing local entrepreneurship spirit, and encouraging economic and community development.

​​​​​​​For more than 30 years, we have put the customers at the heart of our business. It is how we do business and it is what sets us apart.

OUR VISION
To be an outstanding financial institution that improves the living standards of the population and contributes to the economic and social development of Cambodia.

OUR MISSION
To provide a wide range of financial services for low income people as well as micro, small and medium enterprises - while at the same time achieving a high level of financial and social performance.

What we do

Amret is a leading microfinance institution and one of the top 10 financial institutions in Cambodia. A majority-owned subsidiary of Bank SinoPac, Amret has prestigious international shareholders and respected national and international reputations as a responsible and innovative institution. Throughout its evolution, Amret has stayed true to its mission - to provide underserved clients with financial services tailored to their needs.

​​​​​​​To support Cambodian entrepreneurship, Amret has developed a suite of financial services, including flexible and easily accessible loans for farmers as well as medium loans for micro, small and medium enterprises. Moreover, Amret offers a full suite of deposit, saving, payment, and transfer services for rural and urban households and enterprises to manage their budgets and realize their projects all over Cambodia. All these services are delivered at our branches and via several digital channels with the utmost professionalism and a particular emphasis on high-quality customer service and personal relationships.

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All Amret MFI Jobs
• Translate business requirements to technical documents in accordance with agreed templates; • Take ownership and ensure high-quality and timely delivery of multiple configurations, customizations, and developments in accordance with related development plans; • Participate in project implementation assigned by Manager; • Test software to ensure the code is correct, fixing ('debugging') errors where they occur, and rerunning and rechecking the program until it produces the correct results; • Recommend improvements to existing frontend development and business processes in order to meet requirements; • Develop all front-end components, with a strong focus on Angular for web applications, and demonstrate proficient knowledge in mobile development, ensuring full alignment with established development standards; • Collaborate closely with the quality assurance team to ensure the work before moving to user acceptance testing; • Participate in the design and planning of projects in conjunction with the external partners, other IT, and business users; • Responsible for making sure the long-term solutions are provided within the SLA on the FrontEnd Deployment; • Keep monitor on production system to ensure system is working stable and good performance; • Day to day production operation and real-time monitoring to ensure all channels & services are up and running smoothly; • Daily checking and monitoring production tracking log by analysis the error and propose solution to resolve production bugs; • Daily monitoring ServiceNow and support fixing production issue by following a properly SLA; • Develop, implement and document systems, the internal methodology, processes and procedures, for software development adhering to ISO & SDLC standards; • Implement risk management and regularly control over the risks.
• Responsible for the planning, reporting, controlling, and delivery mobile developments (IOS & Android) to support the digital platforms and meet the business expectations and accelerate the digital products and services delivery; • Responsible for defining and tracking the frontend services and their dependencies and ensuring that they conform to establish SLAs for delivering application solutions; • Lead and collaborate with cross-functional teams, including designers, product managers, and backend developers, to conceptualize and deliver high-quality mobile applications; • Architect, design, and develop native applications for iOS and Android platforms, adhering to industry best practices and coding standards; • Optimize mobile applications for performance, responsiveness, and scalability to ensure seamless user experiences on various devices; • Stay up-to-date with the latest industry trends and advancements in native application (IOS & Android) on mobile development, and related technologies, integrating them into our development process; • Collaborate with backend developers to design and implement APIs, ensuring smooth integration between the front-end and back-end systems; • Troubleshoot and resolve complex technical issues in a timely manner, identifying root causes and implementing effective solutions; • Prepare development plan, proposal and deliver the same on time for all solutions; • Lead and manage the day-to-day activities of the frontend development team providing guidance and support removing barriers as needed; • Proactively seek opportunities to improve and enhance the efficiency of core development and related interfaces through innovative and improved software development; • Responsible to make sure the long-term solutions are provided within the SLA; • Conduct code reviews and provide constructive feedback to developers, promoting code quality and knowledge sharing within the team; • Responsible for formulating and develop the mobile banking product/service strategy, product roadmap and program related for the implementation; • Lead the reimplementation of mobile banking functionalities and integrations with the new identified mobile banking platforms; • Manage on Mobile Banking products/services via analysing the market information to ensure its competitiveness, risk mitigation tools, and comprehensiveness (in term of policies and procedures) for implementation; • Manage on Mobile Banking Business Architectures to align with the strategy and program/project implementations; • Regularly review on Mobile Banking Products/Services operations and recommend improvements through working with the Commercial Department; • Lead the task force team for all Mobile Banking CRs, pilot test and support during roll-out of new/existing services to ensure its timeliness, sufficient and clear feedback collection, and smooth operation by working closely with other relevant departments; • Manage and co-ordinate on reconciliation processes and report requirements of digital banking products/services for regulators, management, branches and relevant business team; • Leading and managing DevOps teams to ensure efficient collaboration and coordination between software development and IT operations; • Responsible for Mobile Banking are up and running without any interruption with at least 99.99% system availability; • Lead and manage the day-to-day production operation support on mobile app, manage production incidents issues by providing a proper solution within the SLA; • Working closely with relevant production team such as Infra team, DBA team, Vendor team to monitoring mobile app production performance; • Lead and manage on package/patch and configuration changes in Mobile banking portal production; • Lead and manage on production app release for iOS and Android; • Responsible for reporting for any critical incident or fraud happens to line and second line managers; • Support and lead on the systems in DRP/BCP activities; • Develop, implement and document systems, the internal methodology, processes and procedures, for software development adhering to ISO and standards; • Ensure the risk management implemented and regularly reporting; • Managing and monitoring on source code control. ensure all development source code are up to date with latest solution; • Ensure quality assurance over all project’s deliverables to ensure the completeness and readiness and follow the policy and procedure; • Accountable for maintaining all MB project documentations and properly classifications and stored in the repository; • Ensure the risk management is in place and implemented.
• Design and develop HR dashboard based on business needed; • Understand HR processes and able to recommend the HR reporting or dashboard that require for HR operation; • Ensure reports are used-friendly and accessible to relevant stakeholders by providing clear user guideline; • Improve dashboard functionality based on user feedback and evolving business needs; • Documented the data formula and maintain user access right of the related reports; • Perform as HCM administrator to manage the system functionalities and related administration part; • Collaborate with IT and HR process owner to improve system functionalities and data flow; • Report and raise the incident and/or change request by coordinate with IT and system vendor to provide issue resolution; • Manage & Documentation of HCM user manual/guide, user access right by closely work with process owner/IT security to stay up-to-date and comply with internal policy; • Validate HR data across systems to maintain consistency; • Update tool for personnel budget calculation based on the HC template and the change of benefits from time to time; • Prepare the calculation on personnel budget for mid-term and annual projection; • Prepare the breakdown budget calculation by branch / department upon budget approval from management; • Monitor and analyse personnel cost projection vs actual expense, to ensure that the actual payment is align with the approval budget and/or additional approval; • Prepare regular or ad-hoc HR reports for Risk, Audit, lender, NBC and related team as timely manner; • Prepare related payroll report as assigned by manager; • Perform other tasks as assigned by line manager.
• Translate business requirements to technical documents in accordance with agreed templates; • Take ownership and ensure high quality and timely delivery of multiple configuration, customization and developments in accordance with related development plans; • Participate in project implementation assigns by Manager; • Test software to ensure the code is correct, fixing ('debugging') errors where they occur, and rerunning and rechecking the program until it produces the correct results; • Recommend improvements to existing Enterprise Integration Systems, Mobile Banking Backend and APIs and business processes in order to meet requirements; • Develop customizations Enterprise Service Bus and Integration Systems in conformance with development standards; • Collaborate closely with the quality assurance team to ensure the work before moving to user acceptance test; • Participate in the design and planning of projects in conjunction with the external partners, other IT, and business users; • Responsible to make sure the long-term solutions are provided within the SLA on the Enterprise Integration Systems & Mobile Banking Integration; • Day to day production operation and real-time monitoring to ensure all channels & services are up and running smoothly; • Daily checking and monitoring production tracking log by analysis the error and propose solution to resolve production bugs; • Daily monitoring ServiceNow and support fixing production issue by following a properly SLA; Develop, implement and document systems, the internal methodology, processes and procedures, for software development adhering to ISO & SDLC standards; • Implement risk management and regularly control over the risks; • Others tasks assign by management.
Conduct preliminary audit analyses for macro-processes by identifying the risks per macro-process to ensure that significant compliance risks and management concerns are assessed, and audit activities are initiated to meet the risks, scope and objectives; Execute the compliance audit program of audit mission based on selected samples and transactions, clients, and other samples by macro process under support of Supervisor/Unit Manager in order to ensure internal control design and implementation are effectively assessed and that the audit objectives are met; Review relevant regulations, policies, procedures, and perform audit testing on key and complex compliance transactions, such as reports, analyses, and documents in order to evaluate the quality of internal control design and implementation by macro process; Prepare working papers during the execution of the compliance audit program to ensure proper documentation and sufficient appropriate evidence to make a proper appraisal of internal control integration and implementation; Assist supervisor in reviewing audit working papers and evidence prepared by compliance auditors under supervision of the assigned audit missions to ensure completeness of audit findings, root cause analyses, implications and recommendations; Prepare a briefing audit report under assigned processes to ensure completeness of audit findings, root cause analysis, implications and recommendations, and ensure clear understanding of detailed audit findings; Provide on-the-job training to new compliance auditors to comply with audit methodologies, procedures and programs.
Conducting penetration testing and source code review across mobile, web, and API platforms; Have strong understanding on application fundamental; Support the system owner to remediate the security issues that were found; Monitoring the vulnerability remediation actions and reporting the progressing status regularly; To identify the vulnerabilities in system timely; Minimize the found threats & vulnerabilities to maintain a strong security posture; Keeping testing methodologies up to date with the latest tools, exploits, and security trends.
Establish the needs of users and monitor user access and security; Monitor performance and manage parameters in order to provide fast responses to front-end users; Install, manage and maintain various bank’s database platforms including MySQL, MongoDB, MSSQL, Oracle database, Weblogic, Redhat Jboss EAP and Linux operating system platform; Database issue diagnostic and checking; Conduct databases and Server Capacity planning; Written database documentation, including data standards, procedures and definitions for the data dictionary (metadata) Assist in developing, managing and testing back-up and recovery plans; Perform system failure analysis and recovery ensuring consistency and integrity of underlying data; Daily backup and restore databases; Conduct database security audits and reviews and take related corrective actions; Monitor database and network availabilities KPIs and report on exceptions while initiating corrective actions; Daily monitoring and healthy checking databases and LinuxOne Server System And AIX and Oracle Weblogic.
Assist in designing, enhancing, and launching new retail products and services; Support preparation of business cases, proposals, and product documentation; Conduct market research, customer surveys, and competitor benchmarking; Coordinate with internal teams for product testing, approval, and rollout; Track and analyze performance of existing products (portfolio, profitability, uptake); Prepare product reports, dashboards, and presentations for management; Provide recommendations for improvements in pricing, features, or processes; Support promotional campaigns and cross-selling initiatives; Ensure products comply with regulatory requirements and internal policies; Identify potential operational or compliance risks in product processes; Support product audits, inspections, and regulatory submissions; Good and close relationships with Amret staff in provinces and branches and with other external organizations as such as partners to ensure they are well cooperation on sales target; Collaborate and coordinate with diverse teams of marketing, business operations, sales, customer services and channel delivery team to deliver on targets.
Conduct preliminary audit analyses of MIS by identifying the risks per macro process to make sure risks are taken into consideration and identified and audit activities meet the scope and objectives; Execute the audit program for assigned MIS audit missions by selecting the right transactions and activities and other macro processes under support from manager or supervisor to ensure the audit mission is cost effective and the risks of internal control implementation and design are properly identified and confirmed; Perform IT audit testing to evaluate the quality of internal control implementation and design by relevant departments; Follow up, during the audit mission, previous audit recommendations to assess whether all recommendations have been actioned by the responsible auditees and to classify the status of each recommendation; Review audit working paper and evidence for assigned IT audit missions to ensure the completeness of audit findings and identification of root causes, implications and recommendations; Collect relevant and sufficient audit evidence on a specific macro process under the supervision of the supervisor in order to rate the quality of internal control for that process; Prepare draft audit report on the assigned missions and participate in presentation to heads of auditees in order to make sure they are well informed about detailed audit findings and recommendations; Prepare working paper with the findings (issues/results) relating to assigned tasks, root causes, implication and recommendations, and submit to team leader or supervisor to ensure the completeness of audit documentations; Ensure completeness of audit documentation of all audit missions and properly store in IA repository.
Amret MFI Awards