Ensure Disbursements by products/Portfolio/# of clients/Net Profit/PAR/ auto finance product/Productivity per Financial Sales Advisor/write off collection/key ratios achieved as per BP. Monitor and verify the list of potential customers from each branches and strategizing with Deposit Department to mobilize the deposit balance. Ensure that digital products have been in sales well. Ensure the good repayment rate of loans. Follow up all product performance of each branch to make sure it is growing as the set plan. Initiating/ guiding business strategies to branches under his supervision to achieve higher results. Build relationship/partnership with Merchants, authorities, and other parties to improve the business’s opportunities. Survey competitor products and services; and find strategies to deal with them. Identify the barriers and reason why each product cannot be performed better than its actual performance. Regularly visit branches under supervision to identify the weaknesses, improve the weaknesses and strongly support them. Report to management all the issues related to business operation in the areas. Conduct regular meetings with branches to review their performance and take corrective actions. Conduct market spot check to ensure that each branch can maintain good relationship with merchants, appropriate branding display at merchant shop and good customer service management. Identify potential market and/or customer segment and advise to management for finding strategy to grab the market opportunities. Strengthening the staff capacity on internal control. Strengthen branches to strictly follow credit policies and procedures. Review staffing plan and encourage branches to closely cooperate with HR in staff recruitment. Perform other tasks which assigned by Head of Business Department.
Develop and implement effective sales strategies to acquire new payroll service customers and retain existing payroll customers and achieve monthly and annual business targets and improve customer satisfaction and minimize customer attrition. Lead and drive payroll business growth by identifying opportunities to onboard SME, NGO, educational institutions, factories, and government organizations for payroll services. Lead, coach, motivate, and develop Payroll Service Sales Advisor and sales teams at branches to achieve targets of Payroll Service. Identify market opportunities, customer segments, and growth potential to expand the Payroll Service customers and balance base Conduct regular market visits to identify prospective payroll clients, build strong business relationships, and generate new business opportunities and provide suitable payroll system solutions. Coordinate with branches and relevant departments to ensure smooth payroll implementation, account opening, mobile banking registration, card issuance, and service activation. Promote active utilization of payroll accounts, mobile banking, QR payment, ATM cards, and other digital banking services among payroll customers. Identify cross-selling opportunities for deposits, salary advances loan, and other financial products. Collect customer feedback and recommend improvements to payroll products, service processes, and customer experience. Collaborate with Marketing and relevant departments to develop payroll acquisition campaigns, customer engagement activities, and promotional programs. Monitor payroll business performance, prepare regular management reports, analyze sales performance, and recommend action plans for continuous improvement. Ensure compliance with internal policies, operational procedures, regulatory requirements, AML/CFT, KYC standards, and service quality. Provide training to build the capacity of Payroll Service teams at HO and branches, motivation and engage them to get the result effectively and efficiently to ensure strong growth of Payroll Service and deposit. Enforce discipline necessary for operational efficiency, good staff morale, and promotion of LOLC Cambodia Plc.'s corporate image. Perform other duties as assigned by Management from time to time
Implement sales strategies to acquire new payroll clients and retaining existing to achieve monthly and annual business targets. Identify and onboard corporate, SME, NGO, educational institutions, factories, and government organizations for payroll services. Conduct regular visits to prospective clients, build strong business relationships, and generate new opportunities. Identify opportunities to cross-sell deposits, salary advance loans, and other financial products. Encourage payroll clients to actively use mobile banking, QR payments, ATM cards, and other digital services. Work with branches and departments to ensure smooth payroll implementation, account opening, card issuance, and mobile banking registration. Gather client feedback and recommend improvements to payroll products and service processes. Assist in executing marketing campaigns, customer engagement activities, and promotional programs. Monitor payroll business performance, prepare reports, and provide input for improvement. Work closely with branch staff and colleagues to achieve business targets. Active join training to build the capacity of selling and others to get the effective result and efficiently to ensure strong growth of Payroll Service deposit and other financial services. Discipline is necessary for efficiency, good staff morale and promotion of LOLC’s corporate image. Perform other duties as assigned by the Management from time to time.
Perform risk assessments on IT systems, applications, networks, and third-party vendors. Identify, analyze, and document technology risks and potential business impacts. Collaborate with IT, InfoSec, Compliance, and Business teams to address and mitigate identified risks. Monitor and report on key risk indicators (KRIs), control effectiveness, and residual risk. Support the implementation of risk management frameworks such as NIST, ISO 27001, COBIT, or FAIR. Maintain up-to-date knowledge of emerging technology threats, vulnerabilities, and regulatory requirements. Assist in audits, regulatory examinations, and internal control assessments. Participate in development and enhancement of IT risk policies, standards, and procedures. Support incident response and post-incident risk reviews. Assess risk from third-party vendors and ensure appropriate controls are in place. Perform other tasks assigned by the Unit Manager/Chief Risk Officer
រៀបចំ និង សម្រេចឱ្យបាននូវផែនការសកម្មភាពប្រចាំថ្ងៃ ប្រចាំសប្តាហ៍ ប្រចាំខែ និង ប្រចាំឆ្នាំ វាយតម្លៃប្រាក់កម្ចីឥណទានសហគ្រាសខ្នាតតូចនិងមធ្យម កម្ចីឥណទានឯកត្តជន និង ឥណទានសម្ភារៈប្រើប្រាស់ ដើម្បីធានាថាការផ្តល់ ប្រាក់កម្ចីគឺស្របទៅតាមតម្រូវការរបស់អតិថិជន និង សមត្ថភាពសងត្រលប់ ធានានូវកំណើនផលប័ត្រឥណទានដែលខ្លួនទទួលខុសត្រូវ និងបណ្តុះវិន័យឥណទានដល់អតិថិជន។ ធ្វើការទម្លាក់ទុនជូនអតិថិជន ជម្រុញលើកទឹកចិត្តដល់អតិថិជនសម្រាប់ការសងត្រលប់ទាន់ពេលវេលា តាមដានស្ថានភាពបំណុលយឺតយ៉ាវប្រចាំថ្ងៃ និង ចុះដោះស្រាយឱ្យទាន់ពេលវេលា ត្រូវបង់ប្រាក់ចូលក្រុមហ៊ុននៅថ្ងៃតែមួយបន្ទាប់ពីទទួលប្រាក់ពីអតិថិជនឬតាមរយៈភ្នាក់ងារ ថែរក្សាអតិថិជននិងកាត់បន្ថយការចាកចេញ ភ្ជាប់ទំនាក់ទំនងល្អជាមួយអតិថិជន និង អាជ្ញាធរដែនដី ត្រូវអនុលោមទៅតាមគោលនយោបាយឥណទាន និងគោលនយោបាយផ្សេងទៀតរបស់ក្រុមហ៊ុន អនុវត្តការងារផ្សេងៗដែលចាត់តាំងដោយប្រធានមន្ត្រីប្រឹក្សាលក់សេវាហរិញ្ញវត្ថុ។
ផ្សព្វផ្សាយផលិតផលឥណទានមាសទៅកាន់អតិថិជនសក្តានុពលគោលដៅ។ ដឹកនាំសកម្មភាពទីផ្សារជាមួយបុគ្គលិកសាខាទៅកាន់អតិថិជនគោលដៅ ត្រូវទម្លាក់ទុនតាមផែនការដែលបានកំណត់ ជួយអតិថិជនក្នុងការស្នើសុំឥណទានមាស។ ពន្យល់ពីលក្ខខណ្ឌកម្ចី អត្រាការប្រាក់ ជម្រើសនៃការសងត្រលប់ និងគោលនយោបាយ។ ធ្វើរបាយការណ៍ផលប័ត្រឥណទានមាស។ ធ្វើរបាយការណ៍ផលប័ត្រឥណទានមាស។ អនុវត្តការងារផ្សេងៗដែលចាត់តាំងដោយប្រធាន។
ERM, Governance & BCM: Support implementation and review of Enterprise Risk Management (ERM) and Business Continuity Management (BCM) frameworks. Insurance Risk Management: Identify, assess, monitor, and report key insurance risks, including underwriting, claims, investment, liquidity, market, operational, regulatory/compliance, strategic, ESG, reputation, external, third-party & counterparty risk and emerging risks. Audit & Regulatory: Identify key issues from internal audit, external audit, and regulatory reports that require capacity building. Risk Assessment & Controls: Conduct risk assessments with relevant departments; assess risks from new products, systems, initiatives, and material changes; identify controls and monitor mitigation actions. Risk Analytics & Reporting: Collect and analyze risk data, exposures, trends, KRIs, and thresholds; prepare risk reports; escalate significant and emerging risks. Risk Incidents & Escalation: Record and support investigation of risk incidents; monitor corrective/preventive actions and escalate significant or unresolved matters. BCM & Risk Awareness: Support BCM testing, continuity planning, risk awareness, and training initiatives across the company. Other Support: Provide risk management support to relevant committees, including bidding, procurement, and asset disposal activities; maintain ERM tools and perform other duties assigned by management. Review of policies & manuals from other departments. Perform other tasks assigned by the Unit Manager/Chief Risk Officer.
រៀបចំ និង សម្រេចឱ្យបាននូវផែនការសកម្មភាពប្រចាំថ្ងៃ ប្រចាំសប្តាហ៍ ប្រចាំខែ និង ប្រចាំឆ្នាំ វាយតម្លៃប្រាក់កម្ចីឥណទានសហគ្រាសខ្នាតតូចនិងមធ្យម កម្ចីឥណទានឯកត្តជន និង ឥណទានសម្ភារៈប្រើប្រាស់ ដើម្បីធានាថាការផ្តល់ ប្រាក់កម្ចីគឺស្របទៅតាមតម្រូវការរបស់អតិថិជន និង សមត្ថភាពសងត្រលប់ ធានានូវកំណើនផលប័ត្រឥណទានដែលខ្លួនទទួលខុសត្រូវ និងបណ្តុះវិន័យឥណទានដល់អតិថិជន។ ធ្វើការទម្លាក់ទុនជូនអតិថិជន ជម្រុញលើកទឹកចិត្តដល់អតិថិជនសម្រាប់ការសងត្រលប់ទាន់ពេលវេលា តាមដានស្ថានភាពបំណុលយឺតយ៉ាវប្រចាំថ្ងៃ និង ចុះដោះស្រាយឱ្យទាន់ពេលវេលា ត្រូវបង់ប្រាក់ចូលក្រុមហ៊ុននៅថ្ងៃតែមួយបន្ទាប់ពីទទួលប្រាក់ពីអតិថិជនឬតាមរយៈភ្នាក់ងារ ថែរក្សាអតិថិជននិងកាត់បន្ថយការចាកចេញ ភ្ជាប់ទំនាក់ទំនងល្អជាមួយអតិថិជន និង អាជ្ញាធរដែនដី ត្រូវអនុលោមទៅតាមគោលនយោបាយឥណទាន និងគោលនយោបាយផ្សេងទៀតរបស់ក្រុមហ៊ុន អនុវត្តការងារផ្សេងៗដែលចាត់តាំងដោយប្រធានមន្ត្រីប្រឹក្សាលក់សេវាហរិញ្ញវត្ថុ។
Coordinate the assessment, placement and renewal of LOLC Cambodia’s own insurance coverage, working with the relevant departments and approved insurers or brokers. Recommend coverage and insurer selection to the authorized approvers, subject to procurement procedures and delegated authority. Recommend corporate insurance coverage, insurer selection and purchases to the authorized approvers. Commitments and purchases must comply with procurement procedures and delegated authority. Conduct an annual review of LOLC Cambodia’s corporate insurance arrangements, and additional reviews following material changes in assets or operations, in consultation with Finance, Risk, HR, IT and other relevant departments. Assess the adequacy of sums insured, coverage limits, exclusions and deductibles; identify uninsured or underinsured exposures; and review outstanding corporate claims and their settlement progress. Submit findings and recommendations to authorized management, with named responsible persons and deadlines for agreed actions. Develop and implement LOLC’s bancassurance strategy, annual business plan, product roadmap, budget, sales targets, and resource plan. Identify opportunities to increase insurance revenue, customer protection, and product penetration among LOLC clients and the wider public. Design distribution models across branches, direct sales, digital channels, referral networks, and strategic partners. Explore embedded insurance, SME insurance, agriculture insurance, health, personal accident, motor, property, travel and other affinity products where commercially and regulatorily appropriate. Identify, assess, negotiate, and establish partnerships with reputable life, general, and microinsurance companies, insurance brokers, agents, intermediaries and other distribution partners, Review and negotiate commissions structures, revenue sharing arrangements, partner remuneration, incentive scheme service standards, customer benefits, claims support, technology integration, marketing support, and performance targets with partners to ensure they are commercially sustainable, regulatorily compliant and aligned with customer interests. Lead the strategic partnership and joint business plans for credit life, life, and other suitable microinsurance products. Integrate credit life insurance into lending processes with clear disclosure of whether cover is compulsory or optional, who is insured, the insured events, benefits, exclusions, premiums and who receives any claim payment. Explain how claim proceeds are applied to the outstanding loan and how any remaining benefit is paid, where applicable under the policy. Obtain and document the required customer consent and check customer understanding. Manage a diversified portfolio covering credit life, individual and group life, personal accident, health-related, motor, property and fire, agriculture-related, microinsurance, and other relevant products. Work with partners to offer simple, affordable, accessible, and customer-friendly products. Assess and document whether each distributed product meets the needs of its intended customers, provides affordable and appropriate protection, and delivers customer value. Use customer feedback, checks of customer understanding, claims experience and cancellation and renewal trends to recommend improvements to partner insurers. Develop sales strategies and set targets by product, branch, channel, region, and customer segment. Develop referral and lead-generation mechanisms and direct-to-public sales within LOLC Cambodia’s authorized bancassurance scope. Design staff incentive programs that balance sales volume and commission income with sales quality, product suitability and customer outcomes. Include measures of customer understanding, substantiated mis-selling complaints and avoidable cancellations, with incentive adjustments subject to approved policies.” Monitor sales performance and corrective actions; replicate successful practices across the network. Establish service standards and customer-friendly processes for enrollment, policy issuance, inquiries, renewals, cancellation, complaints, and claims. Develop policies, procedures, workflows, controls, and service standards covering policy administration, premium collection, reconciliation, renewals, claims support, and reporting. Coordinate the required Legal, Compliance and Risk reviews and ensure that all necessary internal and regulatory approvals are obtained before launching or materially changing bancassurance products, distribution arrangements or activities. Establish and report customer value and service indicators alongside commercial performance, including: Claims paid relative to premiums, using partner insurer data and interpreting results byproduct, coverage period and maturity; Claim settlement times, rejection rates and reasons for rejection; Cancellation, renewal and complaints trends, including complaint resolution times; Customer understanding of benefits, exclusions, premiums and claims procedures, assessed through periodic customer checks; Evidence that products meet the needs of their intended customers. Agree data-sharing and reporting arrangements with partner insurers, investigate adverse trends and track corrective actions with named responsible persons and deadlines.” Build, lead, coach, and develop the bancassurance team, with clear structures, responsibilities, objectives, KPIs, and development plans.