Head of Bancassurance
Position Circumstances
- Career Category: Banking / Finance, Accounting, Economics, Exec. / Management
- Schedule:Full-time
- Salary: Negotiable
Location: Head Office
Duties & Responsibilities:
- 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.
Expected Profile of Candidates
Languages:
- Khmer - Fluent
- English - Good
Qualifications:
- Bachelor's Degree in Insurance, Finance, Banking, Business Administration, Economics, Marketing, or a related field
- Master's Degree is preferred
Work History:
- Relevant experience for 8 years as a minimum
- Including at least directly in insurance or bancassurance, with demonstrated experience in insurer negotiations, partnership management, claims service oversight and distribution through a branch network for 5 years as a minimum
- Senior management or functional leadership role, with responsibility for business performance, customer protection, operational controls and team development for 3 years as a minimum
Skills & Knowledge:
General & Technical Skills
- Strong knowledge of life, general, credit life, and microinsurance, including distribution models, partner governance, product economics, policy administration, claims, and regulatory requirements.
- Proven experience in partnership negotiation, sales and distribution management, product development, project implementation, budgeting, and performance management.
- Strategic thinking, commercial acumen, customer focus, integrity, stakeholder management, negotiation, analytical ability, execution discipline, and team leadership.
- Strong Khmer and good written and spoken English; proficiency in Microsoft Office and relevant reporting or digital platforms.
Senior HR Business Partner
Position Circumstances
- Career Category: Business Administration, HR, Exec. / Management
- Schedule:Full-time
- Salary: Negotiable
Location: Head Office
Duties & Responsibilities:
- Work closely with Branch Managers and Regional Managers on staff retention, staff engagement, disciplinary action and transfer processes.
- Facilitate and provide consultation in promotion, demotion, transfer, career rotation, career mapping and staff recognition in order to ensure the fairness and alignment with internal guidelines.
- Implement succession planning, and talent management processes ensuring accuracy and consistency of information with fair and efficiency.
- Oversee the implementation of code of conduct, corporate culture and value.
- Deal with retention intervention and conduct exit interview when required.
- Conduct employee engagement to understand about staff feeling, career interest, and business challenges and performance.
- Offering counseling services to employees.
- Liaising between employees and management.
- Managing employee complaints.
- Manages and resolves complex employee relations issues. Conducts effective, thorough and objective investigations.
- Analyze information and feedback regarding to people or business issues and work with concern management to find proper solutions.
- Oversee market change related to benefit and business status and update to Head of HR.
- Other tasks assigned by Head of HR.
Expected Profile of Candidates
Languages:
- English - Good
- Khmer - Good
Qualifications:
- Bachelor's Degree in HRM, management, business administration or related field
Work History:
- HR functions for 3 years as a minimum
Skills & Knowledge:
General & Technical Skills
- Knowledge in HRBP, Performance Management, Talent Management, and Succession planning.
- Ability to work in complex working environment and change management.
- Computer Literacy.
- Can travel to branches.
- Good verbal and written communication both Khmer and English.
Soft Skills
- Good staff motivation, engagement and leadership skills.
Corporate Deposit and Financial Services Sales Advisor (2 Positions)
Position Circumstances
- Career Category: Banking / Finance, Sales / Marketing, Customer Service/Support
- Schedule:Full-time
- Salary: Negotiable
Location: Head Office
Duties & Responsibilities:
- Join to develop and implement effective sales strategies to mobilize corporate deposit, payroll service and cross selling including ATM card, kid account for customer effectively and efficiently to reach LOLC’s business goals.
- Strategize to expand the market penetration and identify potential target corporate customers and build strong relationships. Initiative ideas to develop mobilization strategies to recruit new customers and keep existing customer retention.
- Undertake regular market visits to recruit potential corporate customers for mobilizing corporate deposit, payroll service and cross selling including ATM card, kid account to reach business goals in the long run.
- Organize the VIP corporate existing customers' profile and maintain ongoing vigilance for early signs of potential loss of corporate deposit, payroll service and cross selling including ATM card, kid account, execute strategy to build relationship with existing customers and keep them loyalty and satisfactory.
- Work with branch managers and relevant sales staff at branches to identify the opportunity selling growth, sales orientation to related sales staff at branches during branches visit and pushing the growth performance to ensure the achievement of business goal.
- Understand customer and market dynamics and requirements necessary to initiate the enhancement and working with relevant parties to penetrate new markets.
- Collect and consolidate the feedback and recommend on corporate deposit, payroll service and cross selling including ATM card, kid account and strategy to delight customers.
- Collaborate with marketing and departments to develop and implement marketing promotion and campaign on mobilizing corporate deposit and raising awareness to the public.
- Track and analyze key metrics related to corporate deposit banking team performance.
- Active join training to build the capacity to get the results effectively and efficiently to ensure strong growth of corporate deposit, payroll service and cross selling including ATM card, kid account.
- Discipline is necessary for efficiency, good staff morale and promotion of the LOLC’s corporate image.
- Perform other duties as assigned by the Management from time to time.
Expected Profile of Candidates
Languages:
- English - Fluent
Qualifications:
- Bachelor's Degree in Finance and Banking or related field
Work History:
- Managing deposit mobilization for 3 years as a minimum
Skills & Knowledge:
General & Technical Skills
- Knowledgeable in financial institution law and regulations in Cambodia.
- Strong English communication both writing and speaking.
Soft Skills
- Strong leadership and communication skills.
- Strong commitmen
Retail Deposit and Financial Services Sales Advisor (4 Positions)
Position Circumstances
- Career Category: Exec. / Management, Banking / Finance, Accounting, Advisor / Individual Consultant
- Schedule:Full-time
- Salary: Negotiable
Location: Head Office
Duties & Responsibilities:
- Join to develop and implement effective sales strategies to mobilize deposits, ATM cards, and kind account for retail customer effectively and efficiently to reach LOLC’s business goals.
- Strategize to expand the market penetration and identify potential target retail customers and build strong relationships. Initiative ideas to develop mobilization strategies to recruit new customers and keep existing customer retention.
- Active to receive the directing and coach from direct manager at HO to ensure meeting the monthly, yearly plan.
- Undertake regular market visits to recruit potential retail customers for deposits, ATM cards, and kid accounts and determine potential cross-sales to other products and services to reach business goals in the long run.
- Organize the VIP retail existing customers' profile and maintain ongoing vigilance for early signs of potential loss of deposit, ATM card and kid account, execute strategy to build relationship with existing customers and keep them be loyalty and satisfactory.
- Work with branch managers and relevant sales staff at branches to identify the opportunity selling growth, sales orientation to related sales staff at branches during branches visit and pushing the growth performance to ensure the achievement of business goal.
- Understand customer and market dynamics and requirements necessary to initiate the enhancement and working with relevant parties to penetrate new markets.
- Collect and consolidate the feedback and recommend on deposit, ATM Card and Kids account and strategy to delight customers.
- Collaborate with marketing and relevant departments to develop and implement marketing promotion and campaign on mobilizing deposit and raising awareness to the public.
- Active join training to build the capacity to get the result effectively and efficiently to ensure strong growth of deposit, ATM card and kid account.
- Discipline necessary for efficiency, good staff morale and promotion of the LOLC’s corporate image.
- Perform other duties as assigned by the Management from time to time.
Expected Profile of Candidates
Languages:
- English - Fluent
Qualifications:
- Bachelor's Degree in Finance and Banking or related field
Work History:
- Managing deposit mobilization for 3 years as a minimum
Skills & Knowledge:
General & Technical Skills
- Knowledgeable in financial institution law and regulations in Cambodia
- Strong English communication both writing and speaking
Soft Skills
- Strong leadership and communication skills
- Strong commitmen
Administration Intern (2 Positions)
Position Circumstances
- Career Category: Admin / Supervisory, Internship
- Schedule:Full-time
- Salary: N/A
Location: Head Office
Duties & Responsibilities:
- Assist in providing administrative services to support the whole LOLC operations.
- Assist in preparing and keeping all administrative documents in an orderly manner.
- Stick inventory code on all assets purchased.
- Prepare item delivery to LOLC branches.
- Take quote(s) from suppliers.
- Perform other tasks assigned by manager.
Expected Profile of Candidates
Languages:
- English - Good is preferred
Qualifications:
- Bachelor's Degree
- Undergraduate Degree in any related fields.
Skills & Knowledge:
General & Technical Skills
- Able to type English and Khmer Unicode.
- Understanding of English speaking and writing is an asset.
Soft Skills
- Honesty, willingness to learn, hard-working, fast learner, team player, open-minded; and good communication and inter-personal skill.
HR intern
Position Circumstances
- Career Category: HR, Internship
- Schedule:Full-time
- Salary: N/A
Location: Head Office
Duties & Responsibilities:
- Assist to prepare the training reports.
- Assist to observe the training courses.
- Assist in coordinating internal trainings in term of materials, facilities, and arrangement Assist in calling to branches for training purposes.
- Assist in copying and preparing training documents.
- Assist in typing training documents in English and Khmer and Assist in training data encoding.
- Perform other tasks assigned by manager.
Expected Profile of Candidates
Languages:
- English - Good
- Khmer - Good
Qualifications:
- Bachelor's Degree
- Undergraduate Degree in any related fields
Skills & Knowledge:
General & Technical Skills
- Knowledge of learning and development.
- Good in typing English and Khmer Unicode
- Understanding of English speaking and writing
Soft Skills
- Honesty, willing to learn, hard-working, fast learner, team player, and open-minded and
- Good communication and inter-personal skills.
មន្រ្តីសេវាព័ត៌មានតាមទូរស័ព្ទ
បរិយាកាសមុខតំណែង
- ប្រភេទការងារ: ផ្នែកធនាគារ/ហិរញ្ញវត្ថុ, ផែ្នកបំរើអតិថិជន
- ពេលវេលា:ការងារពេញម៉ោង
- ប្រាក់ខែ: អាចចរចាបាន
ទីតាំង ការិយាល័យកណ្តាល
ម៉ោងធ្វើការ៖ ចំនួន១នាក់៖ សម្រាប់វេនយប់ (ពីម៉ោង ១០:00 យប់ ដល់ ៦:00 ព្រឹក)
ករណីកិច្ច និងការទទួលខុសត្រូវ:
- ទទួលទូរសព្ទ និងឆ្លើយតបនូវរាល់សំនួររបស់អតិថិជន និងសាធារណៈជន ទាក់ទងនឹងផលិតផល និងសេវាកម្ម
- ទទួលស្វាគមន៍ និងមានទំនាក់ទំនងល្អជាមួយអតិថិជន ថ្នាក់គ្រប់គ្រង និងបុគ្គលិកទាំងអស់។
- ទទួលនូវរាល់ការត្អូញត្អែរ និងបណ្តឹងតវ៉ា តាមរយៈទូរសព្ទ ឬផ្ទាល់មាត់ ឬអ៊ីម៉ែល
- កត់ត្រា-បញ្ញូលទិន្នន័យនៃព័ត៌មានពីការត្អូញត្អែរ (Complaints) របស់សារធារណជន អិតិថិជន បុគ្គលិកចូលក្នុងប្រព័ន្ធ (E-complaint) ហើយរាយការណ៍ជូនថ្នាក់គ្រប់គ្រងផ្ទាល់ និងសមត្ថកិច្ចពាក់ព័ន្ធឲ្យបានទាន់ពេលវេលា និង follow up ជានិច្ច ដើម្បីប្រាកដថារាល់បណ្តឹងតវ៉ាត្រូវបានដោះស្រាយ
- ធ្វើការងារផ្សេងៗទៀតដែលចាត់ចែងតាំងដោយអ្នកគ្រប់គ្រង។
ប្រភេទនៃបេក្ខជនដែលបានរំពឹងទុក
ភាសា:
- ខ្មែរ - យ៉ាងរលូន
- អង់គ្លេស - កម្រិតល្អត្រូវបានផ្តល់អាទិភាព
កម្រិតវប្បធម៌:
- បរិញ្ញាបត្រ ផ្នែក ជំនាញដែលពាក់ព័ន្ធ ឬ កំពុងសិក្សាថ្នាក់បរិញ្ញាបត្រឆ្នាំទី៤ ។
ប្រវត្តិការងារ:
- មានបទពិសោធន៍ជាមន្រ្តីសេវាអតិថិជនជាមួយគ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុ ឬធនាគាររយៈពេល ១ ឆ្នាំ យ៉ាងតិច
ជំនាញ និងចំណេះដឹង:
ជំនាញទូទៅ និងបច្ចេកទេស
- មានជំនាញល្អក្នុងការទំនាក់ទំនង និងជាអ្នកផ្តល់យោបល់ (ស្ទាត់ជំនាញក្នុងការនិយាយ និងសរសេរជាភាសាខ្មែរ អាចនិយាយ និងសរសេរជាភាសាអង់គ្លេសកាន់តែប្រសើរ)។
ជំនាញទន់
- បេក្ខជនត្រូវបានលើកទឹកចិត្តឲ្យដាក់ពាក្យ។
- មានជំនាញក្នុងការដោះស្រាយបញ្ហា។
- ខិតខំប្រឹងប្រែងធ្វើការ និងអាចធ្វើការតាមវេនដែលតម្រូវឱ្យ។
