Manager, Assets and Liabilities Management
Position Circumstances
- Career Category: Exec. / Management, Banking / Finance, Accounting
- Schedule:Full-time
- Salary: N/A
Report to: Deputy Head, Treasury
Location: Head Office
Job Introduction:
The incumbent is responsible to develop and update Assets and Liabilities Management policies and procedures in order to reflect the current market conditions and regulations. He/she is also responsible to analyze the balance sheet to explore and develop company’s risk mitigation tools to ensure the effectiveness and efficiencies for cash management and the uses of company's assets to maximize profitability and minimize financial risk.
Duties & Responsibilities:
- 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.
- Degree in Accounting and Finance or other related fields;
- Minimum 3 years of relevant experiences in Assets and Liabilities Management;
- Strong practical knowledge in financial reporting and analysis;
- A positive approach to challenges, and possessing an advisory manner with excellent interpersonal and communication skills;
- High commitment and able to work under pressure;
- Excellent verbal and written communication both Khmer and English;
- Good computer literacy and knowledge in Advanced Excel is a plus.
Manager, Legal
Position Circumstances
- Career Category: Exec. / Management, Law
- Schedule:Full-time
- Salary: N/A
Report: Head of Legal and Compliance
Location: Head Office
Job Introduction:
The incumbent is responsible to lead Legal Team in providing legal support to Amret to ensure its structures are legally compliant and up to date & effectively manage and minimize regulatory risks.
Duties & Responsibilities:
- 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.
- Degree in Law, Postgraduate Degree is a plus;
- Minimum 4 years’ work experiences in overall legal experience ideally gained in Legal Advisory or Financial institution;
- Ability to draft high standard contracts and provide legal counsel as well as knowledgeable in legislation;
- Strong background in commercial and corporate litigation;
- Excellent verbal and written communication skills in both Khmer and English;
- Having networks and able to build relevant professional networking;
- Excellent in communication skills necessary for interaction with authorities and negotiating parties.
Supervisor, Social and Environment
Position Circumstances
- Career Category: Agriculture, Resources & Environment, Rural development, Exec. / Management
- Schedule:Full-time
- Salary: N/A
Report to: Chief Commercial Officer
Location: Head Office
Job Summary
To execute and follow up the implementation of Social Performance Management (SPM) fostering high commitment from all Amret staff to make sure all SPM activities are aligned with Amret’s vision and mission and respond to stakeholder (board members, senior managers, donors, lenders, partners) concerns.
Duties & Responsibilities:
- Provide training on agricultural techniques to enable clients to upgrade their skills;
- Monitor and evaluate the training provided to ensure clients have appropriate skills to improve their agricultural production and business returns;
- Provide training on environmental and social policy and procedures to network staff ensuring they're aware of what Amret expects to them;
- Facilitate with lenders to ensure that Amret is well implementing Client Protection Principles and Exclusion List;
- Report handling and Social Responsibility Program initiation;
- Develop and conduct SPM assessments and prepare SPM highlight reports for publication and dissemination;
- Monitor SPM development and consult external actors to keep SPM indicators, policy and procedures updated;
- Initiate Social Responsibility Program linkages with other actors and put forward proposals to SPM Committee and senior management for their consideration and selection;
- Represent Amret as a member of the Social Performance Task Force to learn about the developments, the best practices, and update SPM Committee and senior management on must-do steps for being successful SPM.
- Degree in Agricultural, Environmental science, Rural Development or a related field
- Minimum 2 years of work experiences in social performance or related fiends and microfinance experience is an advantage;
- Experiences in research & reporting writing, conducting, monitoring and evaluating the assessments;
- Able to travel and work at fields;
- Good interpersonal and communication skills with the ability to adjust to different types of audiences;
- Patience and able to stay calm in any difficult situation and work under pressure;
- Good verbal and written communication in both Khmer and English;
- Good Computer literacy.
Senior Officer, ATM and Card
Position Circumstances
- Career Category: Computer - General, Engineer - Electrical, Banking / Finance, Exec. / Management
- Schedule:Full-time
- Salary: N/A
Report: Supervisor, ATM and Card
Location: Head Office
Job Introduction
To support ATM project manager in coordinating and following up with all related parties to deliver result based the project plan. She/he is also responsible to handle UAT testing and coordination on ATM placement following the time frame and to monitor daily operation of ATM performance and cash balance to ensure smooth ATM services.
Duties & Responsibilities:
- ATM and card project
- Coordinate with ATM project related parties (Risk, IT, Finance and Legal unit) on producing business requirement, functional specification and technical specification document to have clear expectation for vendor;
- Work with vendor on card, receipt and journal design;
- Works closely with vendors, IT team and other related parties regarding ATM placement, installation, and ATM house decoration;
- Develop on ATM and card manual, procedure and guideline such as cash loading, ATM reconciliation, cash monitoring, PIN and Card management, etc. to have proper processes and maintain high level of security;
- Produce training material and provide training to related staff on cash loading, ATM reconciliation, Card management, etc. to ensure they’re all aware and able to perform following the guideline;
- Handle ATM related incidence and fraudulent issues to maintain both customer and company interest;
- Plan the UAT testing, develop test scenarios and test cases for ATM application, and perform UAT testing to make sure the system is applicable to real scenarios and in accordance to the requirement.
- ATM operations
- Monitor daily cash balance and ATM service quality to ensure there is enough cash for the transaction and on-going service providing to clients without any interruption;
- Coordinate with vendor on ATM maintenance and troubleshooting to ensure ATM machine is performing properly;
- Arrange daily cash and loading in off-site ATM to ensure it has enough cash for operation;
- Analyze the ATM transaction performance and make recommendation.
- At least 2 years of experiences in electronic banking (especially working in Card production and ATM support) understanding of ATM/card infrastructure, policies and procedure establishment;
- At least 1-2 years of team and project management experience;
- Good banking products knowledge;
- Academic qualification (at least Bachelor degree) in Banking or related fields;
- Good command in English both writing and speaking (is a plus);
- Computer literacy (PPT & MS office).
Senior Officer, Inventory
Position Circumstances
- Career Category: Business Administration, Sales / Marketing, Banking / Finance, Exec. / Management
- Schedule:Full-time
- Salary: N/A
Report to: Manager, Inventory
Location: Head Office
Job Introduction
The incumbent is responsible to ensure all Amret assets (fixed and non-fixed assets) are properly managed, tracked, updated and disposed through both fixed asset management system and Asset real-time tracking.
Duties & Responsibilities:
- Maintains fixed assets management processes including asset tagging, asset transfer, asset disposal and asset write-off to comply with inventory policy and verify the physical counted reports from branches (responsible person) with new Fixed Asset system to ensure the accuracy;
- Monitors all Amret assets (fixed and non-fixed assets) and assist to conduct physical/self (branch itself) count of inventory for all branches and head office in order to verify or reclassify assets as in place or still exist, transferred, user changed, loss, write-off or disposal required, then update the system following Amret policy and procedure;
- Performs asset recognition by verifying all investment purchase requisitions and purchase documents, and stamp FIXED ASSET, NON-FIXED ASSET and PURCHASED on invoices to avoid double payment and to input asset code before submit to Finance;
- Finds missing Amret assets and asset codes if there's missing;
- Evaluates the current inventory system to verify fixed and non-fixed assets with nil net book value, review initiate disposal or write-off proposal and asset disposal process at regional and branch level to ensure disposal and sale of fixed and non-fixed assets comply with inventory procedure;
- Collaborates with End User Service unit to update IT asset information in Asset Real-time tracking module;
- Initiates to purchase order of goods and service in ERP system for Inventory unit.
- Degree in Business Administration, Marketing, Finance or other related fields;
- Minimum 1-2 years of work experiences in Administration, Asset Management or stock management;
- Strong interpersonal, communication and presentation or negotiation skill is preferable;
- Dynamics, good initiative and pleasant personality and willingness to travel to any provinces;
- Good verbal and written communication in both Khmer and English;
- Good computer literacy, Advanced Excel is a plus advantage.
